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

XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ),  the negative financial impact it has had on the student loan borrowers, etc.
Product: Mortgage

Trying to work with banks that hold the lien to my clients property. My clients XXXX borrowers ) have to short sale this home because as a rental that tenants were not paying the rent and that put my clients behind also had maintenance issues that came up that the borrowers did not have funds to fix. We got approval from the first who is XXXX after 5 months. So now the XXXX lien holder who is Chase is denying the approval because they are saying that purchase price is too low. The first is giving Chase {$12000.00} to move forward but this does n't seem to phase them, XXXX Chase XXXX as they areare more concered about inccreasing purchase price?! Does n't make sense why second lien holder would not take what I believe is a generous offer from XXXX. My clients are besides themselves. They really thought that we were so close to closing. They have run out of chances! We need assistance please.
Product: Debt collection

The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
Product: Credit reporting or other personal consumer reports

XXXX FTC XXXX NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information. 
Not offered an opt-out option for third-party data sharing, as required by the law. 
Neglected to establish proper safeguards to protect my personal and financial information under the XXXX Safeguards Rule. 
Raised concerns about their identity verification processes, which may violate pretexting protections. 
I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred from XXXX XXXX to XXXX and then were paid off via pslf. XXXX does not seem to exist as a company anymore and its impossible to contact them. My old XXXX  account is still showing up on my credit report as being open with a balance which is incorrect
Product: Credit card or prepaid card

I made a payment with a credit card in Cash on XX/XX/XXXX, Banco Popular de PR ( BPPR ) does not recognize the transaction until Tuesday, XX/XX/XXXX. Also, when I made transactions between my accounts ( checking and savings ) in the BPPR, the amount of one of the accounts ( for example, checking ) was withdrawn instantly, but the recognition of the deposit could take up to 2 days. If you deposit a check from another banking institution to the BPPR account, the disposition of funds can wait 3 days at the local bank and from US banks 7-10 days. I believe this represented a departure from the CC Regulations.
Product: Credit reporting or other personal consumer reports

Transunion refuses to give me access to my online credit services such as monitoring, online disputes, and online credit scores. I have called them several times and verified my identity as well as my address and any other sensitive information they may have asked for in order to confirm my identity. They seem to have indefinitely restricted my online access to my TransUnion reports without giving me a reason or time frame for restoration. Transunion is in violation of several of my rights under the FCRA : FCRA Section 609 ( a ) ( 1 ) -Right to access my credit report FCRA Section 609 ( a ) -Improper Denial of Access FCRA Section 605B-Failure to remove fraud block upon proof of identity.
Product: Credit reporting or other personal consumer reports

Fraudulent inaccurate inquires on credit report for equifax : 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 account from unknown merchant XXXX XXXX  and I dont have an account with merchant ( XXXX XXXX ) that is listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.
Product: Debt collection

I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law about an alleged unpaid balance from XXXX XXXX XXXX XXXX. I disputed the amount owed outside my co-payment and what was paid through my employer. I since then never received any other communication from the XXXX XXXX XXXX about owing any balance. I sent two letters detailing to this attorney 's office that I dispute the amount owed and that I don't owe this amount, but in good faith asked for an itemized bill to show what their accusing me of owing, which I never received. A letter date XX/XX/2023 stated that the account was sold to XXXX XXXX XXXX, and that they're attempting to collect the debt on there behalf. I never had any correspondence with XXXX XXXX XXXX about them purchasing a debt in which I'm responsible for. The bill from the hospital shows a balance of {$0.00}, but a typed letter without a letter head was attached with my name an alleged balance. I do not owe the hospital or anyone any money and I wish to stop being harrassed by this The Law Offices of Mitchell D. Bluhm & Associates , LLC on behalf of XXXX 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 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: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

According to an email on XX/XX/2020 XXXX pm and prior to, a note for {$100000.00} for the purchase of a property and a stock power for {>= $1,000,000}, was delivered to TD Bank XXXX PA for deposit but was declined. Trustee was told the complete copy of the trust was needed. It was agreed upon under the conditions that they, TD Bank can produce a policy explaining this, signed and dated. They never provided the policy which is a violation in itself when requested by the entitlement holder. Trustee met all requirements for the establishment of the account. Affidavit of Surety and Certificate of Identity XXXX XXXX, fee schedule and UCC1 was forwarded to XXXX XXXX of TD Bank XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX along with entitlement orders on XX/XX/2020 by registered mail # XXXX as Return Receipt for Merchandise and was received on XX/XX/2020. XXXX was notified with no avail. XXXX XXXX will be included in this complaint. I have been damaged. Trust has been violated per Title 15 USC Section 1.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify this matter, it seems that my concerns have not received the attention they deserve. The ongoing presence of this fraudulent accounts on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX and XXXX XXXX XXXX This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of a fraudulent accounts on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act.
Product: Checking or savings account

I have been banking with Regions Bank over 10 years and lately I have noticed they are charging NSF fees for the payments coming in although the funds come in the same date. They refuse to refund the charges which sums up over $1500. Because of the untimely overdrafts the balance keeps diminishing to cause more overdrafts. I did asked the bank to stop overpaying too avoid the charges but I am still being charged since XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my rights to privacy and confidentiality under 15 USC 1681. Account name and number : 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 XXXXXXXX not sure of last 4 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX Account has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX has violated my rights 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 an account without my written instructions
Product: Vehicle loan or lease

So I applied for a title loan back in XXXX or XXXX of XXXX. I was told I can never be late and I always paid it on time or before the due date. But I also had to refinance a few times because I could not afford the payment in which that allows your loan to start all over. My interest rate is 177 %. I feel that is completely unlawful. The agent at the desk said oh no we start off at 150 % and its based on your credit. So while at the local store complaining about the rate she said there was nothing they can do. Having them try to explain to me what my interest rate per day comes out to be around {$13.00} which if your times that by 30 days that around {$400.00} ( roughly ) minus. My payments a month is XXXX would only leave {$32.00} to go towards the principal. But thats not the case its only put an estimate of XXXX dollars towards my principle. At the END OF THE DAY this is not in any way to help you when you need. Its designed to keep you down! Im paying more for this loan than I did for the car and Im never gon na be able to pay it off without doing the minimum payments and that makes me worried because again they will come and take your car after even paying with the car is worth. I also would like to mention around XXXX they can notify you that they had a promotion going on that they were doing a Giveaway, wanted you to enroll everyday to be eligible to win. I did and of course I wasnt the ones fortunate enough to win.I would of loved to see the winners. When you do something like that you would think that they wouldve had a big announcement. When they finally reached the decision after 2 to 3 months from XXXX said the office representative.
Product: Debt collection

XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. In XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when XXXX XXXX  obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits XXXX XXXX from such practices.
Product: Mortgage

I am not able to understand I applied for Hardship on XX/XX/2019. I had no idea it will be a tedious process. It is taking forever. I submitted complete Bank statements still Mr. Cooper is asking me for complete Bank statement. Well, the bank statements are already complete. I have XXXX XXXX XXXX and Mr. cooper should be able to understand this, this is ridiculous. they are unnecessarily dragging the matter.Please see the bank statements and the screenshot attached.
Product: Vehicle loan or lease

On XX/XX/XXXX, I wrote a letter to Regional Acct to provide evidence that a debt reporting on my credit report was incorrect. On XXXX I was divorced from my ex husband, we had two cars, In the divorce decree, the judge ordered I was responsible for one car and my ex husband was financially responsible for the other car. After the divorce his car was deemed by the car company as a charge off and its is reporting on my credit report as my debt. I send letters to all 3 credit bureaus with the divorce document and they respond with just a validation of the debt. I receive a response from Regional acceptance stating that it was my debt because I sign for the Loan but I feel that I am still paying for my car as it was ordered and I should not have to pay for my ex husband car also. I have documentation from the judge to prove the order. I am working very hard to move on with my life and this on my credit report is keeping me from moving forward. I would also like to point out on my credit report the last date of activity and the high balance is reported incorrectly. I would appreciate if you can help me to solve this problem. This is my ex husband debt and base on the divorce decree i am not responsible for this debt. Thanks for all your help and i look forward to your response.
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 XXXX : XXXX has violated my rights. Or 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

I recently pulled my credit report from Experian and XXXX and to my amazement, I saw credit card companies " XXXX XXXX '' and " XXXX Bank '' on my REPORT! I immediately disputed this information because I have not had a credit card since I filed Bankruptcy and the results of the investigation came back " verified '' and showing an incorrect / old mailing address that I have not lived at since XXXX 2013. I like to know /see what kinds of " records '' that was set up for me under these alleged accounts. So, I may file and report Identity Theft in accordance to the Fair Credit Reporting Act ( FCRA ) and any other Acts as the information furnish does not belong to me and they are required by law to notify me of any insertion of especially negative listings that go into my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Family Educational Rights and Privac

y Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. See 20 USC1232g ( b ). Remove my student loans from my account, immediately.
Product: Vehicle loan or lease

I have looked through my paperwork that I have kept. XXXX Compass Bank is asking me to pay {$1500.00} dollars remaining on the loan after they had sold the car along with {$1700.00} dollars. Repossessions Fee. I made a few phone calls and Compass bank had canceled the auto GAP policy and also the XXXX XXXX extended warranty and kept the money from that. The XXXX XXXX extended warranty cost {$2500.00} dollars and the GAP policy was {$350.00} dollars totaling {$2900.00} dollars yet they expect me to pay them {$3300.00} that just does n't add up I do not owe that amount. If I do the math and minus {$2900.00} dollars from {$3300.00} that would be {$420.00} dollars. As to why they are attempting to ask for more money than is owed just boggles me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and Equifax XXXX XXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
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