23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 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 or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

DISCOVERBANK XXXX Balance {$0.00}
Product: Credit card or prepaid card

XX/XX/XXXX Citibank Preferred Mastercard ( ending in XXXX ) cancelled. 
XX/XX/XXXX {$10000.00} deposited in Citibank ( XXXX XXXX XXXX, XXXX XXXX, CA ). 
XX/XX/XXXX Used credit cards, told card was delicined, called bank, told account had funds. Told Citibank Master card was cancelled and that automatically forfits my Thank You Points ( XXXX, XXXX ). 
Told that credit card would be reinstated. 
Card never reinstated. Wrote to Citi Card Customer Service po box XXXXXXXX XXXX XXXX XXXXXXXX multiple times in XX/XX/XXXX, again in XXXX and again in XXXX. Told by cusomter service I would get Thank You points back and they saw error that card canceled same day deposit was made. Then told card could " not '' be reinstated. Sent over 12+ letters, made multiple phone calls, left messages, spoke with numerous Citi Bank people who escalated this, never got call back. Balance at Citibank mantained same as in XXXX, sent one final letter XX/XX/XXXX, no reponse. I am XXXX XXXX XXXX, COVID lockdown in CA was going on XX/XX/XXXX - told that I would get my hard earned Thank You points back ( {$700.00} value ). Branch manager verified that Citibank credit card made the mistake, and I was told my card would be re-instated and encouraged me to persue this. She told me bank is seperate from credit card so I belive I have done everyting possible and I am sill NOT happy and need to have my Thank You points given back to me. That is why I had that credit card and what they did to me is elder abuse. I would like your help. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit and fined Experian. Alleging systemic issues such as failing to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

company shellpoint, not stating why mortgage principal not going down after i make mortgage payment. i have a right to pay a loan off. im stuck in a interest loan not allowing me to pay off my house. which is unlawful.
Product: Credit reporting or other personal consumer reports

I came across the CFPB lawsuit. 

I feel Ive was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Come with the receipt or be quick to delete.
Product: Credit card

We have a 0 % introductory amount owing to Bank of America as well as an interest accruing amount. Bank of America is applying our payments to the interest free amount rather than the interest accruing amount. Is n't this a violation of the law signed by Obama in 2009?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from XXXX, Equifax, and XXXX and discovered multiple incorrect items, including inaccurate personal identifiers. During the week of XX/XX/XXXX to XX/XX/XXXX, I contacted each agency to dispute these inaccuracies, providing them with my correct name and address. Despite my efforts, the CRAs refused to remove all the inaccurate information. 

This continued reporting of incorrect information poses a significant risk to my privacy and security. It increases the likelihood of personal mail being sent to the wrong address, thereby exposing me to potential identity theft and fraud. The failure of these agencies to correct these inaccuracies despite clear evidence constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that CRAs ensure the maximum possible accuracy of the information they report.
Product: Credit card

My complaint to Chase was denied. Complaint ID Number : XXXX XXXXXXXX. They gave me confusing information about how much of my XXXX XXXX Credit Card I needed to pay off in order to avoid having any interest. I have always paid my entire balance in full but I called because I wanted to double check what was the minimum I needed to pay in order to a sois fees. Somehow I misunderstood and have been charged a total of {$240.00}. This is broken down into XX/XX/XXXX {$18.00}, XX/XX/XXXX {$76.00}, XX/XX/XXXX {$75.00}, and XX/XX/XXXX {$70.00}. Then I had a problem where my rent was late on XX/XX/year> costing me {$100.00} and on XX/XX/year> the bounce back from the system itself also cost me {$50.00}. Chase Bank Customer Service has stated they do not want to make this right. I explained to them I have a savings account with XXXX and could have easily transferred over money to pay my Credit Card. They asked me not to file with the CFPB and to give them time to figure it out and come back with a proper response for me. I called them today telling them how upset I was about what happened with my rent, how they charged me an extra {$150.00} and this was XXXX fault. They told me a letter had been sent and my claim has been denied. With the claim number I put up top. I have screenshots of all of this and dates. Please if you could help me I would really appreciate it as Chases error has cost me a total of {$390.00}. Thank you so much for your help. Call me anytime XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

*Upgrade INC XXXX XXXX I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( T-MOBILE ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting the following account that XXXX XXXX XXXX XXXX is providing falsely XXXX XXXX XXXX XXXX has the following account as Charge-Off account {$29000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. Experian is not an affiliate of XXXX XXXX XXXX XXXX. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Checking or savings account

OnXX/XX/XXXX a deposit was made to my account in the XXXX XXXX by my cousin of {$2000.00} to my account number XXXX. Once I was was told and after receiving receiving a copy of the deposit slip I proceeded to a branch of Banco Popular in New York on XXXX XXXX in the XXXX  which was close to me. To my surprise My ATM as closed and Both of my accounts was closed unknown to me. I was assisted by the Manager of the Branch called the main Branch in Puerto Rico as was told my account was active but my ATM was closed and could not give me the reason why. Since that time I was advice to file a claim on XX/XX/XXXX at the Main Branch in Puerto Rico.the claim number in questions is REF : XXXX-XX/XX/XXXX. I kept calling as was told to call the XXXX XXXX was was a long distance XXXX on the XX/XX/XXXX. I was then told even though my account was closed I was making various transactions of which I was not aware because I only withdrew {$1000.00} of was was deposited to me a few months before. How was I able to withdraw money when to them my account was closed.

I have a medical emergency of which a family member was helping out because of a fall I took in XX/XX/XXXX.

Eagerly awaiting a speedy responce Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Went to check my credit score and report and it has one hard inquiry from XXXX that i do not recognize nor did i apply for this.i requested information from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still werent able to give me answers.
Product: Student loan

Navient is transferring my loan to a new service provider, which I was only informed about over the news. This week, I received an email about setting up auto-payments through Navient when loan repayments are supposed to start, with no mention about transferring my account or why they would need to re-start auto-pay. 

I tried to call their offices to answer my questions directly, which are not found on their website, emails or mailings. I was given an automated caller run-around, and never given access to a human to talk about the changes coming to my account in the next 4 months. Navient will not communicate with the borrowers it is servicing.
Product: Mortgage

FRAUD : The XXXX Trusts never operated and never received any investments dollars or any startup funds. They exist only on paper. There is a blizzard of paperwork, forged and fabricated assignments, endorsements, backdating, etc. The " pass-through '' characteristics of the XXXX Trust is not operating either.
Product: Checking or savings account

XXXX  accounting and my PNC account were working perfectly together. Somehow the link got broken, and I can not get my account reconnected to the accounting software. I have reached out to PNC, and they say there is nothing on their end causing the problem, the accounting software providers say they have issues with PNC. My wife banks with PNC, and her connection with her bank account is still working with no issues. I just want to get automatic downloads of transactions working again, so they don't have to be manually added.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly assigning a collection that does not below to me. As per previous complaint # XXXX they themselves identify the actual owner of the account XXXX XXXX XXXX XXXX XXXX. 
I request Meridian Financial correct this error and restore my credit profile by removing this collection and updating all credit reporting bureaus of their error. I also request they provide me documentation that this correction has taken place so my filing purpose. 

Attached file shows my father and mother are the owners of the account not I as they claim.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit inquiry with XXXX XXXX ( bank ), I am reporting a fraudulent inquiry from XXXX XXXX XXXX which I discovered on XX/XX/year>, this is a result of identity theft and fraud. I demand that this inquiry be removed from my TransUnion credit report and that all activity related to it cease, in accordance with my rights under the FCRA and FDCPA laws. 

This unauthorized inquiry has resulted in a fraudulent hard inquiries appearing on my consumer XXXX credit report. I do not recognize the aforementioned hard inquiry as reported. They were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have attached the hard inquiry in question, as well as a copy of my consumer XXXX credit report maintained by you, which shows this fraudulent item. I have also included a copy of my FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit inquiry is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH cXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

The text message says with a scam link attached : ChaseSupport : We noticed Your chase account has been temporarily limited due an unusual activity, to unlock visit XXXX XXXX XXXX XXXXXXXX XXXX
Product: Consumer Loan

XX/XX/XXXX I called Toyota Financial Services in order to defer my lease payment for that month as I had done in the last 6 years. When the payment was not processed correct, there was back and forth phone conversations which I initiated, and Toyota assured me things were being taken care of.After getting multiple answers from different people I faxed in the requested paperwork. I made my payment for XX/XX/XXXX as normal. Then, in XX/XX/XXXX I purchased a new vehicle from a XXXX dealership. The cashiers check was shipped on XX/XX/XXXX and the check arrived at Toyota 's payoff center on XX/XX/XXXX. The XXXX receipt shows the address as well as the name and signature of the person who accepted the payoff payment. It was n't until about a week later when Toyota Financial called my work extension to say that I was over thirty days late for my payment. This started a vicious cycle. Since XX/XX/XXXX, myself as well as my husband have called numerous times in order to get the issue taken care of. We have done everything requested by XXXX. Filed a massive amount of paper work, faxed over copies of the check, as well as who signed for the overnight delivery of the payoff for the car. We 've provided all the necessary information needed in order to handle this situation and there is still no avail. We 've been given the run around for over five months, and Toyota has since reported us late to all three credit agencies on two separate occasions. Each time I call in with a reference number or employee ID I can not be transferred to the same employee. Each time we call in, its a different story. Currently, my me and my husbands credit is being negatively impacted as Toyota still shows an outstanding balance, and says that we are over 60 days late. I have not owned the car in well over 6 week, the payoff amount was verified more then once. Toyota at one point told us that they were process the research for where the check was ; only to have someone else tell me they 're not even sure they have a check. I can not talk to the credit department, as they only give me an address to mail a letter in.There is no more that we can do in order to fix this situation. We need help.
Product: Bank account or service

I strongly disagree with Chase 's policy that prevents people from depositing cash into another person 's account. I asked a friend to deposit money into my account and he was rejected by Chase 's branch in XXXX, Texas. He was forced to go buy a money order and come back to make the deposit, which they then allowed. This policy is a hassle and nonsensical. I was told it was an effort to combat money laundering. I would like to know how preventing a small cash deposit of {$100.00} stops money laundering when they turn around 20 minutes later and accept an anonymous money order from the same person? He did not write his name or address on the money order, so there is no record of who made this deposit. This is a terrible policy that is not friendly to Chase customers or their family members and apparently does nothing to combat the problem it is designed to alleviate.
Product: Student loan

In XXXX of XXXX I filed my IDR ( Income Drive Repayment ) renewal even though my loans were in Federal deferral. On XX/XX/XXXX, I received a bill from EDFinancial that was not based on my IDR income, it appeared EDFinancial did not process the previous years IDR renewal application because the loans were in deferral because my new IDR renewal is not until XXXX, EDFinancial is charging me based on income over 2 years old due to their failure to follow IDR Renewal Guidelines. 

On XX/XX/XXXX I sent a message through their website : https : //customercareform.edfinancial.com/ it stated I would receive a response in 4-5 business days ; as of XX/XX/XXXX I have not received a response from EDFinancial to properly process my IDR applications. 

I attempted to chat with EDFinancial today only to have their chat crash stating it could not connect me. I tried calling EDFinancial and EDFinancial is not properly staffed to handle phone calls as the wait time at XXXX was 428 minutes or 7 hours and 8 minutes to speak to a representative.

So not only is EDFinancial trying to overcharge Student Loan consumers they have made it impossible to resolve the issues by not responding to customer contact forms and having wait times of over 7 hours to reach a customer service agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX  Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX