23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My truck got totaled out. Was purchasing a new one. Old account with XXXX was paid by XXXX XXXX. Still being reported on my report. Rep did a hard pull and I expressed XXXX had already done it. Rep said it was nit a hard pull it was a soft pull but showing up on report as hard inquiry. They initially denied my new application based on my income that is more than what I had at the start of previous account. Was in good standing and had to verify identity in the same way multiple times due to lack of communication in the company. Even contact CEO XXXX XXXX who had his assistant call and threaten me that Id not be able to get the loan. My fianc who is new to XXXX had to do none of that. They treated me horribly during this transaction and I have been nothing but a great customer who pays on time every month. As a victim of identity theft its scary giving your information to people you dont know. They even had me send my social security card and photo ID in a text to the dealer. Our plates came and went to an XXXX didnt give the dealership or XXXX XXXX XXXX current address. They reported the wrong address and personal information to XXXX as well as others. XXXX XXXX doesnt mean to treat people like theyre a XXXX  human. I also have a XXXX so this really took a toll on my mental health
Product: Bank account or service

I received a promo certificate in a mail from Chase Bank to open a checking account, set up direct deposit of minimum of {$500.00} a month and my account will be credited {$300.00} in 90 days. I went to the brach in XXXX, CA ( XXXX XXXX XXXX, XXXX, CA XXXX on XXXX/XXXX/15 and opened a checking account, deposited XXXX XXXX dollars to the account and set up partial direct deposit to test the services. It is XXXX and I have not received a credit of {$300.00} as of yet. I contacted the person that opened my account ( XXXX XXXX XXXX XXXX # XXXX ) and asked him to look into this matter. He stringing me along for a week and now, keeps coming up with excuses such as I was a Chase previous customer before and promo for a new clients only ( why this was not disclosed by him originally ), or I need to bring minimum of {$50000.00} dollars as an investment to the branch in order for his branch manager to make an exception with {$300.00} credit, or did I give you a print out confirmation that you are eligible for the credit of {$300.00} when I opened your account?. The person is disohest and not able to explain all terms upfront in full, he gets paid on services he generates with the knowledge that he is doing something wrong and let 's clients believe that things did n't work out or issues will go away on it 's own. This is a terrible customer service and intentional fraudulent conducts that has to be punished for the sake of Chase clients. Please look into this matter to prevent future fraud.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to report repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian regarding the inaccurate, unauthorized, and unverifiable reporting of accounts and hard inquiries on my credit report. The disputed accountsUTILITY SELF-REPORTED : XXXX, XXXX SELF-REPORTED : XXXX, and XXXX : XXXX the following hard inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate , unverifiable, and unauthorized . Despite prior disputes, no documentation has been provided to verify these accounts and inquiries as required under FCRA 1681i ( a ) ( 1 ) and FCRA 1681b ( f ). This failure to verify or remove unverifiable entries violates FCRA 1681e ( b ), which mandates maximum accuracy in reporting, and FCRA 1681i ( a ) ( 5 ), which requires the removal of unverifiable information. Additionally, these items are not marked as Disputed, violating FCRA 1681i ( a ) ( 6 ) ( B ), and the creditors have failed to validate the debts under FDCPA 1692g. These violations have caused significant harm to my credit profile, negatively impacting my credit score and misleading potential creditors. I demand the immediate removal and permanent blocking of these accounts and inquiries under FCRA 1681c-2, which requires the deletion of unverifiable or fraudulent information. I request the CFPB enforce compliance with federal law, investigate these violations, and confirm in writing that these items have been removed and blocked. Attached are dispute letters, certified mail receipts, and excerpts of my credit report highlighting these accounts and inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXXXXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX  XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX  XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX  XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Debt collection

Subject : Request for Debt Validation and Verification of Collection Account Account Number XXXX XXXX XXXX. 
Dear XXXX, I am writing to formally request validation of the debt referenced above, which appears on my credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Under this law, I am entitled to obtain verification of any debt you claim I owe. 
Please provide me with the following information for verification purposes : 1. A copy of the original purchase agreement or contract that proves my obligation to this debt.

2. Verification of the amount owed, including a detailed breakdown of fees and interest added since the debts purchase.

3. Evidence that you have the legal right to collect on this account, including the chain of ownership from the original creditor to your agency.

4. Proof that this debt has not surpassed the statute of limitations for collection in my state of residence.

Please consider this letter a formal dispute of the validity of the alleged debt. Until I receive satisfactory documentation, I request that you cease reporting this account to any credit reporting agencies per 15 U.S.C. 1692g ( c ).

Thank you for your prompt attention to this matter. I expect a response within thirty days of receiving this letter. 
Sincerely, XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX 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: Credit card

I paid to ARC ticketing company by Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX for flight tickets at XXXX payments of total {$10000.00} on XX/XX/2023, Citi Bank withdrew the payment from ARC account but still charge me, I set up the dispute on XX/XX/XXXX, Citi Bank insisted on charging me, they XXXX also charged me for the monthly interest for 6 months, even after I met with all their requested documentation with evadents of their fraud charges.
Product: Debt collection

I paid off a debt directly with my bank 's internal collection agency in XX/XX/2023. I recently received a letter postmarked XX/XX/XXXX from XXXX XXXX XXXX to collect credit card debt from my bank ( NFCU ). The notice looks legit and has a reply form for me to include payment and a number I can call to pay it over the phone. I called the number, and there was no person to speak to ; the initial prompt offer was to make a payment, but as I continued on the line to try to talk to someone, it went on an indefinite hold. 

The postdate and notice date were a dead giveaway for me, but I wanted to call to catch them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been banking with Chase for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... XXXX
Product: Student loan

My father submitted a payment on my behalf to Navient in order to pay off XXXX federal student loans which were taken out under my name for college back in the XXXX timeframe. The intent was to pay off these XXXX loans in full, and we made sure that we included the loan numbers and explicit instructions on how the funds should be disbursed. 
Navient applied my payment in error across all my federal student loans, as I have since taken out XXXX additional loans separately. As a result, they did not charge me for the XXXX newer loans last month. Their website showed a XXXX balance due - no other loan details, but I figured everything was okay. However when I went to make my regular payment this month, they still showed XXXX due. At this point it became apparent that they applied the funds in error to all of my loans. This does raise an additional point of contention with their " new website '', which does not really show enough information to make informed decisions about my payments. 
I immediately called Navient customer service and explained the situation, and the service rep told me it would be resolved and there would be no past due amount. Later that week, I received notification that action had been taken. It 's currently Friday night - Navient is closed - and I logged into the website to find that I now have XXXX past due notices on my account. 
Furthermore, even though I am on a fixed monthly payment for my remaining, consolidated federal loans, they charge me an additional {$75.00} every third month for no apparent reason. The customer service representative I spoke to earlier this week explained to me that this had to do with the disposition of the loan, but could n't explain why the amount was different from the agreed upon terms of the consolidation. 
I 'm completely fed up with the servicer Navient at this point. I will continue calling them to straighten out the past due amounts and attempt to resolve the situation but I do n't feel that they are acting in good faith, in competence, and I 'm seriously concerned that they have been overcharging me even though I have never missed or made a late payment. Any help you can provide in dealing with them would be appreciated.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Added Wrong Personal Information : Name : XXXX XXXX Also Known As : XXXX XXXX ( NEW ADDED ) Previous Address ( es ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Previous Address ( es ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW ADDED )
Product: Credit card

Hi, I am a Delta Sky Miles member and I received a promotion on XXXX XXXX by American Express through Delta Airlines newsletter, according to which : - I would get XXXX ( instead of XXXX ) bonus miles after spending {$1000.00} in three months ; - and XXXX miles ( instead of XXXX ) for each dollar spent with Delta ; if I would have applied to Gold Delta Sky Miles American Express card by XXXX XXXX. Therefore, on XXXX XXXX I applied and was approved for the credit card, but now American Express is not applying the promotion to my account. They are currently saying that I can not get the promotion anymore because I did n't click on the 'Apply Now ' within the promotional email. However, nowhere in the email they say that I have to apply through the email, because in any case both the email and the application are linked to my Sky Miles number. They first said that I should have spoken to Delta, but Delta is saying that the promotion is from American Express. Ultimately, the American Express representative said that she would have raised an inquiry and it would take between 6 and 8 months to get an answer, and of course in the meantime the 3 months period will pass by. 
I do n't feel treated fairly at since they are not honoring anymore a promotion I received from them and for which I applied by the deadline.
Product: Credit card or prepaid card

Capital One requested information to verify my identity. My account has been frozen for two weeks. They refuse to believe its me.
Product: Credit reporting or other personal consumer reports

I received a preapproval from Capitol One to open a card. I applied, was rejected, and on the rejection reason was told I had too many Capitol One accounts. This happened twice. If this is the case, I ought not to be getting reapproval 's being they know my account. This lowered my credit score by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX XXXX XXXX XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
Product: Student loan

To Whom It May Concern- I have been working in the public ( XXXX XXXX ) or qualifying non-profit sector since I graduated with my XXXX in XX/XX/XXXX. 

Last year I initiatedstudentloanforgiveness with mystudentloans. They are all qualifying loans and have all been consolidated into oneloan. I currently owe about {$29000.00}. 

I paid on a Standard 10-yearstandard loanplan from XX/XX/XXXX through XX/XX/XXXX. My loans were transferred to XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I transitioned to an Income-Based Repayment plan. 

I still could not afford my loans and so transitioned to a 20-year Extended Repayment plan in XX/XX/XXXX. I converted them to this plan, not realizing those would not be qualifying payments. I have been making all my payments on time, is there any way that these can become qualifying payments? XXXX XXXX did not help me to understand that this payment plan did not qualify for loan forgiveness. However, I have made payments for 10 years, without ever missing a payment and have been working in a career that qualifies for loan forgiveness. Certainly, I have met the intent of the loan forgiveness program. 

As I said, I did not realize that transferring my loans to an extended 20-year loan would disqualify me fromloanforgiveness. 

Please help me try and get the 10-year standard loan and 20-yearextended loanrepayments qualified for PSLF. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request with all the required information to experian over a month ago and it was completely ignored. im submitting this request again via cfpb
Product: Mortgage

I put a stop payment on a checking account ending # XXXX. Truist bank been trying to pull my mortgage through the wrong account and overdrafting my account. They end up sending the money back to me XXXX. I transferred that money to the correct checking acct ending in # XXXX through my bank XXXX. I called truist and made a payment which got pulled XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX. Truist notifies me they never got my XXXX XXXX and started hitting my credit and account with late fees. I called Truist for them to investigate and XXXX way in my bank on the phone call to talk to the Truist representive. XXXX faxed documents to Truist and representative made a complaint which nobody followed up. I called in XXXX to make my payment the rep urged me to make my payment and promised to put it on hold until the investigation was over and they back drafted my account. That never happened. Truist applied that payment to XXXX now nobody is investigating the blatant stealing from my Account and never fixed the issue in XXXX so that Truist can be accountable for the several errors on their part. I sent documention and waited XXXX months for a investigation into this matter. I need help please look into this shady matter. I know you if you look into this you will find a big company taking advantage of a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXHAS BEEN NOTIFIED AND HAVE RECEIVED REQUESTED DOCUMENTATION FROM ME REGARDING A FRAUDULENT AUTO LOAN ACCOUNT. THE INFORMATION HAS YET TO BE REMOVED FRIIM MY CREDIT FILE. THE INFORMATION WAS SENT TO XXXX, DIRECTOR OF  CONSUMER SERVICES
Product: Credit reporting or other personal consumer reports

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. I HAVE ATTACHED A COPY OF MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Mortgage

To whom it may concern, I'm with Lakeview loan care. It has been nothing but problems since they bought my loan. For some reason, there is always a payment issue. They failed to pay my 2020 taxes which cause my county to send me a letter requesting money and stating the possibility of adding a lean-to my house. Also, after refinancing my house back in XXXX last year, the closing department kept my escrow money in a separate account collecting interest. For that reason, my escrow accounts hard a shortage and cause Lakeview to plan to raise my mortgage due to no fault of mine. My county returned the tax money back to Lakeview, but they still told me that I have a shortage, after receiving the money back from the tax collector. I strongly believe that Lakeview loan care is careless and not properly taking care of the customer and needs to be audited. My escrow money was missing for 8 months and no one was able to tell me where that money was. Because of the poor service, I had to refinance my home with a new company 8 months later. I believe that I'm in the title for whatever interest that Lakeview accumulated from my escrow account for placing it in a different account and not placing it in my new loan account. I believe this company needs to audit and shut down for trying to take money away from customers. Please and please audit this company. I strongly believe that they are frauding people and I like to get my money back.
Product: Credit reporting or other personal consumer reports

I made various attempts to submit proof to remove inaccurate information from my credit reports. This is the 3rd attempt to do so. Im attaching all documentation submitted to the bureau and yet they send this notice of a suspicious request. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.