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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX   Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info XXXX bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

CBNA is an inquiry not authorized XXXX  XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
Product: Credit card

I am a competent person with a lot of debt. I am trying to clean it up. I have ALOT of experience just logging onto the computer to see the interest charges and my APR. Sear makes it impossible for me to see any of this information. Based on the " ease of use '' and rather simple process of the other credit card companies I deal with, Sears hides this information -- There is no PDF way to download credit card statements. Rather it is some tab delimited or other inconvenient mode. This is deliberate. I have a 25 % variable interest rate -- But still to date can not see the charges that are a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two separate complaints, one from XXXX XXXX XXXX XXXX and one for XXXX XXXX. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX  has deleted the account, however the other two XXXX and Equifax have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXXXXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and Equifax since they have not removed or deleted the error on my report as requested. 

XXXX XXXX {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from XXXX XXXX to XXXX due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. XXXX XXXX stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with XXXX XXXX and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with XXXX XXXX and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX and the three bureaus XXXX, XXXX and Equifax since they have not removed or deleted the error on my report as requested.
Product: Debt collection

Bridgecrest refusal to supply complete validation request ( supplying only contract in question ). Contract not bearing my signature nor have I been provided detailed information request showing confirmation of esignature as well as other requested documentation to be send via MAIL. Notice of Dispute have not been reported correctly to CRAs and continuance of inaccurate reporting. I have requested particular transcripts that I have not been supplied with as well as I have not been supplied with security asset filings as requested. I have attempted to reach out to specialist that handles these matters with no response ( XXXX XXXX XX/XX/XXXX ). I have sent certified mail for these request starting ( XX/XX/XXXX ) with no answer to certified letter request ( validation of account, notice of dispute, cease and desist of defamatory actions )
Product: Mortgage

I currently have an account with mr. Cooper. It is under my brother 's name XXXX XXXX, i am on the title of the home. I applied for the homeowners assistance fund since i lost my job aince XXXX and i finally got approved for mortgage and bill assistance. They still have yet to disburse payments and i have called and emailed for some answers and no one will respond to me. They even asked me to upload new bills because the old bills i had uploaded for assistance were since XXXX. They awarded me the amounts from XXXX, not XXXX since XXXX 's bills were higher. My utilities are beinf cut off soon. Can someone please help me? My app number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).
Product: Credit card or prepaid card

I lost my wallet and the person who found it is using my social security card information to apply for credit cards and possibly other methods of credit. I am getting hard inquiries on my credit reports. 

The person has applied for a Chase credit card thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions.
Product: Credit reporting or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I have never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to all three credit bureaus that my XX/XX/XXXX payment was 30 days late. The payment was not 30 days late. My payment was due on XX/XX/XXXX. I paid off the entire account on XX/XX/XXXX. The XXXX payment was 19 days late, not 30 days late as incorrectly reported. XXXX and XXXX have already removed the incorrect information from my credit report. Transunion, however, has refused to remove the incorrect information from my credit report. The representative at TransUnion told me that the creditor can report a thirty day late payment on my credit report any time within a 30-day period. This information is also WRONG. Also, TransUnion has refused to allow me to re-dispute the incorrect information on my credit report.
Product: Credit card or prepaid card

Synchrony bank has told me over the phone that I should immediately mail payment ( the day the bill is received ), but their payment processing window is 10 days. I have been charged ( and disputed ) a late fee every month since I opened this card to purchase art. In XX/XX/2023, I specifically called the day I received my statement to tell them it was already within the 10-day window. They offered to take payment over the phone, but the representative barely spoke English and my trust is already broken. I mailed the check with signature confirmation. It was received and signed for by Synchrony on XX/XX/XXXX. The check ( {$15000.00} payoff ) has still not processed and as of XX/XX/XXXX I am being told it will be considered late as of today and they are claiming they do not have it. They offer a no interest card, then work very hard to charge late fees since they arent getting money in other ways.
Product: Student loan

I have made multiple attempts to submit my income verification information to Navient over a period of three months. Each time I submit my information I receive confirmation that the materials have been received then vague communication if any stating items are missing but not outlining what is missing. After submitting several documents outlining my gross pay, I called Navient on three occasions to verify that they did in fact have what they needed to verify my income. Each time I was told I need one more thing then I was told that it would be expedited in 1-2 business days to keep my payment from tripling and consuming almost half of my income which I can not afford. I confirmed receipt of needed information with nothing outstanding only to receive notification that items were missing again two weeks later. This is delaying my payment calculation and I feel it's intentional as I fight with Navient every single year. They claim XXXX XXXX XXXX is not a valid site to verify income yet they have it listed on their site and it is widely used by many employers. I have taken the necessary steps multiple times, and have no clue how my payments are being applied as my total balance only increases despite never missing a payment. I want to leave Navient and their crooked business practices.
Product: Bank account or service

Bank of America customer service charges and telephone fees and non disclosures and discrimination in lending hold fees
Product: Debt collection

I disputed the debt that was intended to be an obligation. During the process I asked for the debtor to provide the original contract. In return the debtor could not provide the original contract. The debt were erased from my credit profile but the debtor keeps coming back with intentions to collect in a contract I never made with this third party debt collector. It's a form of harassment and the debtor is harming my credit for a debt I do not owe them.
Product: Student loan

I started attending the XXXX of XXXX in XX/XX/XXXX. I was recruited from XXXX by the school over the phone which is located in XXXX. I received very little information on my loans after starting and was only told to sign on the dotted lines. I was told they had high job placement and that the market for XXXX in XXXX was great. Loan terms were never fully explained when I started and almost all of my financial assistance was in the form of multiple loans. The XXXX 's programs was {$38000.00}. I finished with an XXXX and was somehow {$45000.00} in loan debt. I have all the original loan estimates from XXXX that show figures closer to the {$25000.00} range and can not figure out how my loan balances got so high when the total cost of the program should have been much, much lower. I graduated in XX/XX/XXXX and they still have not sent my paper diploma nor will they return my calls. ( I do n't even have my diploma from them after graduating! ) They did very little to help me find a job and when I took up a job in retail just to make ends meet they marked me complete for finding a job and stopped assisting. XXXX serviced my loans at first and whenever I would call to report financial hardship I was advised to defer my loans. I was not told my loans would continue to accrue interest. I still have multiple pamphlets on deferment/forbearance options from XXXX and XXXX as these were the only options explained to me. XXXX eventually consolidated my loans so I could not see the individual loans I had taken out and then sold those loans to Navient who has also kept them in deferment/forbearance. I ca n't get any assistance figuring out why my loans are so high, why XXXX seems to have over charged me, or why my interest rates are so high. I inquired about loan plans and they sent me information on plans that resulted in me paying more interest than my loans. My loan balance is currently {$69000.00} and under any of the XXXX plans they offered I would end up repaying at minimum {$130000.00} ( with some of them going up to {$150000.00}!!! ) That 's almost ( or more than in some cases ) double my loan amount! I ca n't get answers on what happened during my prior consolidations, why my loan balance is so high, or why I 'm only being sent information on loan plans that result in me paying double the amount of my loans. There have been suites against XXXX and its parent company XXXX for defrauding students into attending in order to take advantage of federal assistance - I feel that I was a part of those numbers. There were suites against XXXX for pushing students into deferment options without explaining terms - I was a part of that. There are now suites open against Navient for the same thing. It has been frustrating and financially draining to be pushed around from company to company with no understanding of my loans and no one to assist me.
Product: Money transfer, virtual currency, or money service

I bought some digital goods from a seller on XXXX. The seller sent me invoice via Paypal and I paid it. After 7 months one of the digital items I bought from the transaction was removed from my account. I contacted the seller via his paypal email and his XXXX account but there was no response. I contacted Paypal and my credit card to dispute the transaction but they told me they can not do anything after 6 months. This is how a scammer can get away with it and the buyer has no protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at approximately XXXX, I received a Credit Disclosure email from Lendinf Point XXXX LLC ( electronic mailing address XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services continues to report to XXXX and XXXX an alleged debt even though XXXX reports the last payment date as XXXX XXXX, XXXX. 
No payment have been made on this account since XXXX XXXX, I did however file a complaint with the CFPB in XXXX XXXX Case number XXXX ) and Discover credited this alleged account for a portion of the credit protection program premiums I had paid. XXXX failed to honor this program and I declined their offer to credit the amount they offered. They credited it anyway and then closed the account on XXXX XXXX, XXXX. They also sent a XXXX for XXXX and I paid taxes on the alleged debt. 
No payments were made on this account since XXXX and it is well past the 7 year time period and should be removed from my credit reports. 
I sent XXXX a letter on XXXX XXXX, XXXX asking them to remove this alleged debt from my credit reports but they have declined to do so. 
Thank you for your help. 
XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted Midland Funding about a debt in the amount of {$940.00} that was disputed twice and they could not provide proof of amount owed, date the debt was sent into collections/charged off, they could not prove the debt belonged to me or any information from the original creditor or anything about the original trade line. I would like this debt removed and for it to be no longer reported!
Product: Mortgage

7 days ago my point of contact of Mr. Cooper contacted me regarding extension of forebearance, she said she is going to submit a request to extend the forebearance and will get back to me shortly. 

Its been 7 days and I haven't heard back from her. XXXX has arrived and this is the time Mr. Cooper asked me to contact them regarding making my payments otherwise my account will go in default. 

I called Mr. Cooper today, first of all it takes a lot of time to reach an agent, when I reach an agent they speak in XXXX  english, I made a call at XXXX XXXX  PST time, the agent wasn't paying attention to what I was saying and her attention was somewhere else. 

The agent asked me 10 questions to verify my account and then was taking me for granted, not paying attention to what I was saying. 

It was really hard to understand her as she was speaking in Italian english. 

We are calling regarding serious mortgage issues here and the customer service agents behave as if we are calling in a XXXX bar, there is no sense of seriousness here. 

I asked her to transfer me to some other agent, she just placed me on hold and from last 10 minutes I am still on hold. 

Why Mr. Cooper has provided me a point of contact, when I can not leave her a voicemail, email her and can not reach her? She is not reachable at all. 

Mr. Cooper is complete mismanaged company. 

They need to take their customers more seriously, rather than taking them for granted and treating them as they are no body. 

everytime I have to come here and make a complaint to CFPB or contact XXXX, why I can not resolve my issues or concerns directly with Mr. Cooper. 

And why they have to ask million questions to verify my account And why they don't have agents who can not speak proper english?
Product: Student loan

In XX/XX/XXXX, I contacted University XXXX XXXX regarding my 1098-E tax form. I was told that my loan, Acct # XXXX, had been written off back in XX/XX/XXXX. I was not notified about this ; I had been paying my loan through auto bill pay through my bank, which sent XXXX each month. Once I found out that the loan was written off I stopped the bill pay service. I contacted University XXXX XXXX to ask why they kept accepting the money after the account was closed? They told me that they could not help me and referred me to Campus Student Funding to report my problem about the money. I tried calling leaving numerous voicemails to call me back to no avail. The same thing with their website : http : //www.csfinformation.com, to submit an inquiry with the same result. I don't think that it is right for them to keep accepting money on a closed account. I am trying to recoup my payments. This loan was for a trade school that went out of business. XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX campuses ) They were taken to court for misleading business practices and lost.