23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. 

When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 

15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. 

15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Inquires Inquiry Name : XXXXXXXX XXXX  ( Finance ) Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXXXXXX XXXX ( Finance ) Inquiry Number : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXXXXXX XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXX XXXX  ( Finance ) Inquiry Date : XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXX XXXX ( Hotel and Travel ) Inquiry Date : XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXX XXXX ( Finance ) Inquiry Date : XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Inquiry Name : XXXX XXXXXXXX ( Bank ) Inquiry Date : XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Student loan

Originally applied for the new repaye/save plan on XX/XX/XXXX. Had not heard back and called customer service in XXXX and received the first repayment bill after the payment pause. They placed me on a forbearance until XX/XX/XXXX noting it has not been processed due to large volumes and repayment was starting. I then received a bill for XXXX and application still had not been processed so called again on XX/XX/XXXX. Was told the application was " stuck '' and not processed again and was then placed on another administrative forbearance and given an estimated payment on plan to likely be around {$150.00} per month. I sent a complaint here on XX/XX/XXXX and the only thing I received from Mohela was a letter with my loan information on it. No other info than what is readily available online. XX/XX/XXXX received a bill and application is still not processed. Called again. They said the application is holding bc it says paid ahead however I am getting bills for different amounts due during this time. They can not answer if the payments I have been sending will count towards loan forgiveness under the administrative forbearance either. They say each time a payment is going in that it keeps getting pushed further back. The can not remove the pay ahead because of the Department of Education rules according to them so the application can't be processed. The paid ahead is until XXXX of XXXX however I keep getting bills of different amounts due each month which will make the account late. Make it make sense. 

I have been having to call every 3 months trying to get on the repaye/save plan since the payment paused ended. My application is not getting processed and then I have to call and sit on hold for an hour for a different person to say it's not processed and get placed on a forbearance to " process the application. '' It's been 6 months.
Product: Bank account or service

I closed my account and Santander continued to penalize me. My complaint was never resolved and it is preventing me from opening accounts in other banks.
Product: Debt collection

I am not liable For this debt with XXXX XXXX. I did not open account with this creditor. I have requested the original contract and it has never been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXXXXXX XXXX XXXXXXXX submitting this complaint against Experian Information Solutions , Inc and their is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was notified through XXXX XXXX that AFNI added a derogatory account. This account was sold and Transferred. A bill without a signature does not validate a debt. Please terminate all collection efforts. And notify all three credit bureaus for inaccurate reporting.
Product: Credit card

There is an unknown credit card debtor on my account which I know nothing about and have never known anything about it. These companies should not be able to report anything that is not valid until proven which in this case, it is not and will not be proven because this is not mine. In the meantime, my credit report score goes down 20 point without anyone proving this case. I dispute this behavior and I definitely dispute this charge. I want it removed immediately. The Company name is Midwest Recovery, XXXX, Missouri XXXX. Phone XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX
Product: Mortgage

Mortgage was refinanced and closed on XX/XX/XXXX. First payment was due on XX/XX/XXXX and I was required to make this payment by a check. The check cleared my bank on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. 

The bank is claiming I didn't make the XXXX payment. I found this out on XX/XX/XXXX. I tried to resolve with customer service who stated they can see I made a payment but didn't apply it. She could not assist and said she had to email somebody and I would hear back in 10 business days. She told me if not posted by XX/XX/XXXX I would incur a late fee.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FIN Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year>, my mother signed over a check of {$1200.00} for me to cash into my account. When I went to CitiBank to cash the check, they rejected it because I was told all parties needed to be present to do so. A few days later, all parties on the check came to the branch to verify like we were previously told to do. It was then after this, CitiBank proceeded to tell us that the check needed to be verified by its issuer. CitiBank called the issuer to confirm that this check came from their escrow company, and the issuer was able to confirm that it did. Once this was done, Citibank proceeded to tell me that they were going to send my check to me through XXXX ; this was in XXXX of 2024. It has been several months since and I still have not received my check or any information about when I would. Ive visited CitiBank numerous times after they informed me my check was going to be sent to me through XXXX, and I continue to receive the run around and them being unable to tell me where my money is. This is very frustrating to me because I did everything they had asked of me and the check was cleared, so its very confusing how I am unable to receive any information about where my money is or why it still has not been sent to me. I hope this issue can be resolved as soon as possible. 
Thank You
Product: Money transfer, virtual currency, or money service

Was trying to invest money with a company that turned out to be a scam.
Product: Credit reporting or other personal consumer reports

I have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. Specifically, my XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. My XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.
Product: Mortgage

My name is XXXX XXXX, why is any lenders transferring Refinanced loans to Freedom Mortgage Corporation if there is a recent lawsuit in XXXX and in XXXX over their XXXX data. My home was refinanced through XXXX XXXX with loan XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Freedom Mortgage Corporation effective XX/XX/XXXX. I do not want my mortgage with this company. Freedom Mortgage Corporation should not be allowed to service anything with all the complaints and being a repeated offender. This is to protect the consumer, so why is that this company is allowed to assume any loans for any consumer. How can I get another lender before the assumption date. This is not fair to the consumers that we do not have a choice when it comes to everyone getting involved in the transfer except the consumer until after it is done. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has falsely reported information to the credit bureaus about an account that does not belong to me. Ive already contacted them with all necessary documents to remove this account off my reports with XXXX, XXXX, and Trans Union, as I am not responsible of no part of any debt with this creditor please remove off my report effective immediately as Im a victim of identity theft. Thank you.
Product: Debt collection

I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a paralegal for 12 years, and did the billing for my department. We represented banks and credit agencies, and we sent monthly statements to debtors paying on collections. If I am paying this large amount of money, I would like to see monthly statements.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute and request the correction of inaccurate information found on my credit report. Upon reviewing a copy of my credit report obtained from your agency, I observed an erroneous late account entry that is adversely affecting my credit score. 

XXXX XXXX XXXX 

I wish to highlight that this late account entry is inaccurate, and I firmly believe it violates the Fair Credit Reporting Act ( FCRA ). I have already contacted the other credit bureaus- XXXX and XXXX - regarding this issue, and they promptly updated their reports to reflect the accurate information. 

The account in question has been fully paid off, and there is no remaining balance, as evidenced by the documentation and records provided. Despite my attempts to rectify this error, it appears that your agency has not complied with the law by persisting to report this inaccurate information. 

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the correction has been implemented and the accurate information has been updated on my credit report.
Product: Credit card or prepaid card

Navy Federal Credit Union is in direct violation of 15 U.S. Code 1692e false or misleading representations, 15 U.S. Code 1603g the consumer is the creditor, 31 U.S. Code 5118 2 public debt obligation guaranteed by United States to repay. 
NFCU is operating above the law and deliberately interfering with commerce which is causing harm and injury. And using false and misleading practices. When I log into the account online its says this information is not a attempt to collect a debt on the Home Screen. When I click the credit card a new screen opens and it says your one Payment pass due and available credit is {$0.00}. Clearly this is misleading, deceptive and theft, blocking of account credit which should be open end is definitely interfering with commerce All rights are reserved without prejudice.
Product: Credit reporting or other personal consumer reports

Please see the attached complaint # XXXX to XXXX and XXXXemove the account XXXX for incorrect reporting. Transunion is reporting a balance on an account that is uncollectible due to the statute of limitations in the state of Texas. XXXX and XXXX have since removed the account and I expect Transunion to follow suit and correct this inaccuracy that is causing my credit rating great harm. My credit report is attached to show that Transunion is the only credit reporting agency to furnish this incorrect information.
Product: Credit card

I made a charge on my credit card and later discovered that it was a scam. When I got back to the states I tried to cancel with the company and was given the run around. I contacted CitiBank and made a complaint. Apparently I did the complaint incorrectly according to them and because of this the dispute was cancelled and my {$2900.00} ( they game me a {$110.00} credit ) became my responsibility even though the company has given me absolutely NOTHING for the money. CitiBank states that I was suppose to dispute the amount ONLY but did so afterwards. I have never had this concern. I have no way of contacting the company because the numbers are not working for me and I have been left with nothing. This complaint involves CitiBank, Mastercard, XXXX XXXX ( people I signed up with in XXXX, XXXX ) and XXXX ( people I was supposed to have the vacation plan with and I am unable to get in contact with by number provided on contract and online ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern : My Name is XXXX XXXX, I would like to file a complaint due to a huge mistake PNC bank did which affect severely my credit score from XXXX to below XXXX hundreds. 

Here are the facts : I bought in XXXX an XXXX XXXX XXXX at XXXX XXXX XXXX XXXXn XXXX Florida, a year later, I traded in the car for another XXXX  at the same dealer. The dealer payoff the debt to PNC Bank. 

PNC Bank said that they sent me many letters since there was an outstanding payment, by the way, the payments since day one was under the autopay system. Also, I moved from XXXX, Florida to XXXX, Florida in XX/XX/XXXX. 
PNC bank never sent me nor called me to arrange the outstanding Payment once I saw my XXXX XXXX down, I found out the reason, the reason was that PNC Bank reported as a delinquent account without letting me know, after many months of a horrible service from PNC Bank, and talking to more that 10 employees, finally I got a letter saying that it was paid off. Also, I sent them a payoff letter from the dealer. Today another employee called me saying that the payment wasnt done. I paid to avoid keep on damaging my credit. I am attaching a pay off letter from the dealership, you will see that the dealer overpays the paid off and return a check to my old address, you can check my XXXX XXXX and I have never ever missed a payment. 

Please remove all the damage that was created by PNC bank if you need further info, please contact me. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to withdraw XXXX of my rent money from the atm inside the XXXX located at XXXX XXXX XXXX XXXX XXXX Utah the first time it said declined then I put my card in again because I knew I had the money in my account the second time it said declined please take your card. The atm did not give me any money at all but it took XXXX out of my account. I told the guy working at XXXX there atm didnt give me my money he said he cant do anything call the number on the atm so I tried but they said I need to contact my financial institution. So I contacted cash app they said to dispute the transaction so I did they denied my dispute so I asked for the information they used to make there decision and they didnt even investigate this. I also did call the XXXX XXXX police That XXXX was my rent money and every day I am getting a XXXX late fee because I dont have a extra XXXX laying around to cover there mistake and they have been nothing but rude unhelpful and totally not understanding. I shouldnt have to pay back XXXX $ every single day because they dont want to do there job and investigate it and give me my money back. This happened on Thursday XX/XX/2023 today is 6 days later so far that is XXXX almost XXXX extra I have to pay and its only going up.