23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My daughter attended XXXX XXXX XXXX, I signed parent plus as there was no other option ( I also attended school for a few months and had $ XXXXin loans ) The total financing ended up being about 20,000 plus Mine. The school closed she had no degree no transferable credits had to start over a year ago In the meantime : the debt is now {$40000.00} because I had no money to pay it and deferred for years .I adopted children and my dependents were high so qualified at XXXX payments but the Interests is still sky high. I have XXXX children to still put thru college. I feel the Interest should be frozen so now I can start to pay I can at least manage it, at this rate Ill be dead before its paid
Product: Debt collection

In  XXXX   2017  I was mislead into paying a past credit card debt for Fifth Third Bank. I agreed to pay the settlement amount if this would be removed from my credit report. The representative assured me that the charge off would be removed from my credit report within 30 days. I have contacted fifth third bank several times and have been treated unprofessional and told this could not be removed. This charge off on my credit report is negatively affecting my credit worthiness.
Product: Debt collection

THIS IS NOT A DUPLICATE RESPONSE- YOU RESPONDED TO MY CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, I RESPONDED BACK TO YOUR CLAIMS WITHIN THE CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, AND ON XX/XX/21 YOU RESPONDED THAT IT WAS A DUPLICATE COMPLAINT. MY TWO RESPONSES ARE NOT THE SAME. I HAVE THE RIGHT TO RESPOND TO WHAT YOU STATE. THAT IS A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- 12 USC 5511 ( c ) ( 2 ) JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) The Bureaus, INC stated that their client Bureaus Investment Group Portfolio No. 15, LLC, has bought this debt, so a person would not owe this alleged debt to The Bureaus, INC, their client or the assumed original creditor ; THE BUREAUS, INC just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave The Bureaus, INC permission to have my personal information, that is a violation of my right to privacy, pursuant to 15 USC 1692 ( a ). Furthermore, The Bureaus, INC just admitted to participating in conspiring against my rights with their client, Bureaus Investment Group Portfolio No. 15, LLC and the assumed original creditor, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028 by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Deleted this alleged account from all of my consumer reports immediately and terminate all further collection efforts.

With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.
Product: Vehicle loan or lease

fell behind on car note couple of months ago. Have been paying on time payments to this account for almost two years. I've had my checking account linked to this account for all this time. When I got behind, they said the account was not linked. I reverified the account by them sending text messages and email codes to my devices. Then it says this checking account is already linked but will not allow me to make the payment by not showing the supposed linked checking account. They bill on their website showing XXXX and XXXX is not done and XXXX has not come in misleadingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has multiple inquiries on my report with XXXX, and one inquiry on my reports with XXXX and XXXX XXXX. I have written to the company in the past regarding the inquiries, requesting documentation to support permissible purpose, but have not received anything other than an acknowledgment that they did access my credit files. Lacking any evidence supporting permissible purpose, specifically in writing, as is required by Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] a ( 2 ), I would ask that the company remove these inquiries from all three of my credit reports.
Product: Mortgage

On XXXX XXXX I received an email from Rocket Mortgage that my payment for XXXX was past due. However I had paid my usual amount that I have been paying for the past 3 yrs on XX/XX/XXXX with a due date of the XXXX. So I was confused to see an email with the following information : " We still havent received your mortgage payment, and your loan is being referred to the default team. '' I logged into my Rocket Mortgage account and saw that {$270.00} was still owing for XXXX. Upon further review I noticed that my Tax and Insurance had increased and my payment was then increased. However, I never received any written notice of the increase. I immediately paid the {$270.00} as I didn't want to be in default as the email stated. A couple of days later I looked in my mail and found a statement showing I owed the {$270.00}, however no explanation as to why the increase. I also noticed that a late fee was part of the {$270.00} in the amount of {$130.00}. When I made my original payment I paid {$3500.00} which is about {$40.00} more than my original mortgage amount, which I've been paying for the past 3 yrs. With the new ( increased ) amount being {$3600.00} starting in XX/XX/2024. So I was late on {$130.00} and a late fee of {$130.00}... I was shocked! So I called and asked if they could waive the late fee or do something since I never received anything in writing that showed the new amount until after the mortgage was already late. 
Rocket Mortgage told me that they do offer a 1 time late fee waiver, but since I already paid the fee there is nothing they can do. That doesn't make any sense to me... so I asked for the issue be escalated. I then got a call from the escalation team on XXXX and they told me the same thing that since I paid the late fee there is nothing they can do. This is just doesn't make since! They threaten with default so you pay anything right away, but if you ask for the fee to be refunded they refuse! However, if I never paid the fee they would waive it ... .but at the same time say you are in default! I don't get it and find this to be very unfair practice. No written notice and nor refund on a fee that they would waive, but since you do the right thing and pay you are out of luck. XXXX
Product: Mortgage

Complaint XXXX was submitted XX/XX/2020 by the attorney for XXXX XXXX and XXXX XXXX. Quicken loans did not adequately respond to the issues involved. Quicken has been violating both State and Federal Laws without any consequences. The response they sent was that they refused to deal with a duly licensed attorney in this matter. Part of the issue in brokering this loan was going around the attorney of record and strong-arming the client to execute documents. Quicken denied legal counsel to the borrower. They incorrectly applied the deposit on the loan. Took money that was not owed and XXXX XXXX. Quicken has violated 18 USC 134, 18 USC 1343, 18 USC 96, as well as a litany of laws related to money laundering. The letter sent to the CFPB in response was in adequate. Quicken merely stated that XXXX XXXX XXXX attorney-at-law ) was not listed on the documents. XXXX XXXX XXXX is the attorney-at-law and in-fact for both XXXX XXXX and XXXX XXXX. They must respond to the substantive issues. 

Also, Quicken sold the loan. If Quicken did not disclose to the buyer the fact that the loan amount was in dispute, many other laws were violated. Quicken would be subject to securities fraud statutes, and the loan does not qualify for sale treatment under FASB rules. As a result Quicken 's financial statements must reflect the liability or it has filed fraudulent statements with the SEC.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian and Equifax for the unauthorized reinsertion of previously deleted accounts on my credit report. This action directly violates the Fair Credit Reporting Act ( FCRA ) guidelines, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which outlines the proper procedures for reinserting information. 
Details of the Issue : Name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/year> SSN : XXXX Credit Bureaus Involved : Experian and Equifax Account ( s ) in Question : XXXX XXXX, XXXX, XXXX Violations and Concerns : 1. Failure to Notify ; I was not informed in writing within five business days that the accounts were being reinserted, as required by law.

2. Lack of Certification ; The credit bureaus did not provide proper certification from the data furnisher verifying the accuracy of the reinserted accounts. 
3. Failure to Provide a Summary of Rights ; I did not receive any documentation explaining my rights regarding the reinsertion.

These violations have caused significant harm, including a negative impact on my credit score and potential denials for credit opportunities.

Requested Resolution : 1. Immediate Removal I demand the immediate removal of the reinserted accounts from my credit file.

2. Written Explanation I request written confirmation detailing the reason for the reinsertion and the certification process used. 
3. Compliance Assurance I ask that Experian and Equifax implement corrective measures to prevent future unauthorized reinsertions.

Please investigate this matter promptly and provide a resolution. If necessary, I am prepared to escalate my complaint to legal channels. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. I initially sent written documentation informing the bureaus of the inaccuracies on my credit report on XX/XX/year>, when I received no response to that communication I sent a follow up written confirmation on XX/XX/year>. This timeframe gave more than the standard 30 days for a response to such communication, which is why at this time I am escalating my concerns to the CFPB.
Product: Payday loan

Hello, in about XXXX or XXXX I had received a payday loan from 247 green street which I believe I paid off just not in a timely manner. I also received a pay day loan from Greenstreet Payday loan. I 've been going through some financial hardships in the past few years due to a horrible relationship. Although I placed greenstreet payday loan on my bankruptcy. I 'm unable to get another pay day loan. And due to recent issues that have a risen once again that would benefit me greatly. I hope you can help me with this. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in a furlough with my mortgage company and they are not suppose to reporting late payments bc of that and they have me listed as 60 days late and I want it removed I have spoke to a mortgage individual already and they told me they are not suppose to be reporting late
Product: Money transfer, virtual currency, or money service

I was made aware of an authorized wireless transaction through XXXX  of {$590.00} on XX/XX/2021. 
I immediately contacted Jp morgan chase and filed a fraud claim. On Tuesday XX/XX/2021, they notified my through letter stating that my transaction was authorized. It most definitely not.
Product: Mortgage

Seneca has erroneously begun evaluating my mortgage for PMI cancellation, which I did not request. 

This is a problem because it leaves me exposed to subsequent illegal fees ranging anywhere from {$12.00} to {$1200.00} for BPO, appraisals, inspections, etc. according to the fee schedule on my mortgage statement ( Exhibit A, Page XXXX ). 

On XXXX/XXXX/2016 I sent a " secured message '' via Seneca 's website ( Exhibit B ) requesting that they re-analyze my escrow ( and lower my payment ) since their latest escrow analysis failed to take into account that PMI will terminate automatically in XXXX since my loan will have reached 78 %. Please see the attached screenshot of my account from Seneca 's website to verify the date of automatic termination ( Exhibit C ). 

On XXXX/XXXX/2016 Seneca posted a " Letter '' to my online account on their website informing me of the erroneous evaluation ( Exhibit D ). 

It is worth reminding that PMI cancellation and termination are not the same thing and that PMI termination happens automatically, without fees, and without any sort of evaluation, which is precisely why I opted to not request PMI cancellation and instead let it terminate automatically XX/XX/XXXX.
Product: Debt collection

Navient on XXXX contacted my neighbors and disclosed my student loan debt and attempted to get information about me. They already have all my contacts and work information.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached my driver 's license, social security card, dispute letters and a copy of my ID theft report. 

I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted as a result of these errors. The CRAs and creditors did not conduct a reasonable investigation and has blantatly ignored my disputes. 

Please delete these accounts listed below along with the following reasons : 1. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices XXXX. XXXX  - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices XXXX. XXXX XXXX  XXXX ( XXXX : XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 5. XXXX - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 6. XXXX XXXX XXXXP ( Original Creditor : XXXX  ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Violation of15USC 1692e ( 4 ) - validation of debt and 15 USC 1692g unfair and unconscionable practices
Product: Student loan

Loan went into repayment period starting XX/XX/2018 with wrong interest rate. Loan issuer Navient is charging 5.594 % interest when loan documentation shows interest should be 5.31 %. Called the company to resolve ; customer service plugged in the numbers and said I was right but they would not do anything to change the monthly payment to reflect the correct interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment on the following account XXXX XXXX XXXX XXXX.  Please investigate to ensure the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 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. 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 or 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 1681 s-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. 

COMPANY : ACCOUNT # : REPORTED : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regards, XXXX XXXX
Product: Checking or savings account

I cant remember the exact date but Wells Fargo closed my account Im guessing because I hadnt had a deposit go to the account due to information being wrong on my paperwork but before I could even fix the problem my account was closed and further more when I tried to go back and log on it would immediately log me out so it was nothing I could do to fix the problem.
Product: Checking or savings account

I went into a branch located at XXXX XXXX XXXX XXXX XXXX NY XXXX, a teller told me to insert my card and input my pin, which i did, she then asked for my i.d, which i gave to her, then stated she needed to ask some security questions last 4 of social, address and email, i gave her my social and address and stated to her my email was my first and last name XXXX said then indicated that my email was wrong she then told me to log into my mobile account which i indicated to her that my phone was in the car and that i never herd of a teller asking for anyone to log into a mobile account. i then asked for my card back and just used the ATM to withdraw some funds. i then left the branch later to see that she in fact had my account suspended i called the number on the alert and had the suspension removed and at that time initiated a complaint against her because she profiled me wrongly cause i was XXXX wearing a baseball cap. capital one 's office of the president also indicated that she had no right to ask the things she did and that a i.d was all was needed to withdraw my funds, her name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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


The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is Inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A section 2 : it also states a consumer reporting agency cannon furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Product: Vehicle loan or lease

XXXX sold me a car with a bad transmission and had me signed misleading paperwork that states that I will be responsible for paying a {$100.00} deductible on a bad car even if its under their warranty. I havent had the car for a month. I received the car from XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car stopped working while I was commuting with my XXXX young daughters. I have called XXXX and asked to speak to a supervisor but was hung up on. Could you please process my complaint for I do feel like this is a very unfair situation.
Product: Debt collection

The collection agency contacted my XXXX friends trying to find me for several months until I blocked on account. When I got hired at my new job in XX/XX/XXXX, the collection agency was calling my coworkers and my boss in trying to find me. The collection agency is charging me {$60000.00}. 

In XX/XX/XXXX I was fired from my job. During the summer of XX/XX/XXXX my XXXX friends starting messaging me that are being harassed by phone calls from a woman " looking '' for me for a job opportunity, and if they knew how to get a hold of me. These were people I have not seen since high school. On XX/XX/XXXX I was hired at my current job. I was on a XXXX month probation period until a permanent hire position. In XX/XX/XXXX, my co workers and my Boss got phones from a woman looking for me ... ... ... this XXXX me out!!! and was in fear of being fired. This harassment went on for XXXX months. 

In XX/XX/XXXX, I was notified by my employer my wages were being garnished and my federal income tax refund was garnished. I have spent many hours and days on the phone trying to talk to someone and get original paperwork. XXXX of the reasons not to garnish my wages was if I was at my job less than a year and was fired from my last job. I sent them proof of my paperwork on XXXX cases XXXX times!! and they denied ever getting it.