23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, including but not limited to Specialized Loan Servicing, LCC ( SLS ) and all unauthorized mortgage assignments affiliates are reluctant to address my concerns explaining in detail the fraudulent mortgage assignments of why and how these assignments took place without an official POA for each assignment. These assignments some recorded and some were not recorded without my knowledge without the originators written authorization to do so, since the original originator business dissolved years prior. 

XXXX XXXX XXXX XXXX will not address my concerns and informing me to contact an entity ( SLS ) that they have no affiliation is alarming ( see attachments ).  Since XXXX  recorded on my deed as " grantor '' without authorization from an official representative and POA from XXXX XXXX  that dissolved is of great concern without answers from SLS and all of the chain that executed assignments without merit. 

Since XXXX XXXX XXXX XXXX is very aggressive with confirming holding a fraudulent lien on my property and rushing to accept and assign unauthorized mortgage assignments without holding responsibility for any liability, my concern why is SLS and all of the chain of affiliates reluctant to address all of the unauthorized mortgage assignment of discovery? I request that all parties ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX ) be accountable in referencing the attachment on pages 5,6,7, & 8. Under a microscope, initiating with XXXX up to XXXX ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized XXXX as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information conceining the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.
Product: Debt collection

My account has been paid monthly through a debt collection company beginning XXXX XXXX for the balance of {$1000.00}. I successfully completed my payments with Phoenix Recovery XX/XX/XXXX by making a phone call directly to them and paying my remaining balance in full. Since then I have continued to be harassed for my balance owed, which should be {$0.00}, via phone calls and an email I received today from XXXX XXXX. XXXX email stated that I had not cooperated in paying off my balance, I was sent a letter to dispute ( which I never received ). Her letter stated my account would be reported to my credit report as well and possibly turned over to a lawyer. I just recently disputed with XXXX, which was successfully removed, and XXXX  this account on my report because it was successfully paid off in full. I worked hard to pay off this balance and do not appreciate being told that my credit will be damaged for an account already payed in full.
Product: Debt collection

I have written to this collection agency numerous times disputing the validity of the debt and requesting proof of validity of the debt. They have never responded with any type of proof. The statute of limitations are passed. The company continues collections practices even though they received the dispute in writing several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information that is affecting my credit report badly, they insist that they contact Bank of America and that the information is correct. Bank of America said to me that they cant provide information older than two years, but what they have there is no negative information of my records.
Product: Credit card

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I would like to notify following incident at your shop, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, NJ XXXX. I bought a blanket of XXXX by the price of {$24.00}. I tried to check the price at the website of XXXX, but I could not check it because of the internet problem inside of the shop. After I paid with the reward certificate of {$20.00}, which your company must have sent to me by email to answer my claim for refund of my unusable gift certificates in total {$20.00}. Then, I checked the price of my blanket at the website of XXXX and found out that tapestry blanket costed more than {$150.00}. I was so happy with this purchase, since the blanket was so soft and warm. However, after I returned to home, I realized there was another price sticker of {$19.00}. It is regrettable not to be able to know how much was in the shop, but I have decided to consider I have gotten this wonderful and comfortable blanket by the price of {$25.00} instead of {$150.00}. However, I believe it is necessary to inform your company this discrepancy of prices for future purchase. 
Sincerely,
Product: Money transfer, virtual currency, or money service

No correct warnings upon using the app for money transactions, Zelle has not only neglected to protect consumers, but has also allowed offenders to exploit the system, leaving users vulnerable to scams. A lot of accountability and transparency is an acceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A COLLECTION FOR {$680.00} THAT I HAVE NO KNOWLEDGE OF ON MY XXXX CREDIT REPORT. 




IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX XXXX : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. 

" XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX XXXX WHO I INHERITED THE NAME FROM. 

I WOULD LIKE THE FOLLOWING EMPLOYER ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT AS IT IS INCORRECT, WITH NO EXISTING TIN FROM EMPLOYER. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

i have a paypal account and I've been a customer for several years now IM having some major issues with this service paypal. my account was limited and restricted back in XXXX of XXXX and i was told that i cant be given any information about the limitation or restriction. i was then told i have to read the policy in which states i will be able to withdrawal my funds after 180 days I've been in contact with PayPal over 20 different times regarding this issue since then. i spoke with PayPal XXXX of XXXX and was told that the date that i can access my funds is XXXX XXXX XXXX. When that day came i was still restricted and my account was still limited where i couldn't retrieve my funds that i was told I could receive. i spoke with XXXX a customer service representative and was told that i would receive a special email from the back office team that i would have to attach a bank account in order to extract my funds. I spoke with XXXX and she created a ticket in which the back office was suppose to fix the issue reference ID XXXX when i called again to check the status of the correction that was supposed to be made i was then told by XXXX employee id XXXX that there was an additional restriction added to a restricted and limited account which makes no sense .I tried to reach several supervisors and none could help me or give me information regarding my account i was promised that my account would be okay to withdrawal my funds once the email was sent no email was sent and I've been calling everyday to fix this issue to receive my money can you all please reach out to this company and resolve this issue thank you its not allowing me to make any transactions or add my bank account to receive my funds
Product: Credit card or prepaid card

See complaint XXXX previously filed on XXXX ( PenFed Credit Union XXXX XXXX it was closed but not resolved. I have sent a followup letter to respond to PenFed 's letter claiming it is being resolved. They are resolving by lieing to us and harrassment. It needs to stop. PenFed has continually lied to us and now trying to bully us into paying for their mistake. The letter details how their version of what happen is not supported. They say a double reverse was made, one by the merchant and one by PenFed. To this day the merchant is calling us to check on us to see if we have any issues using their software which would disputer PenFeds claim that the merchant reversed their charge. PenFed outside credit department and inside billing department twice told us it was PenFed 's mistake and it would be reversed, they are liars and request the disputed amount be exsponged ; an apology, our account balance refunded, PenFed investigated for customer abuse and illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : XX/XX/2020 I tried to log in and it said incorrect password. I tried to reset pswd and it said no user. I asked for user and it said it was sending it and it didn't. Next day it allowed me to log in with the same info I used the day before but then would say oops call when I tried to work with my credit freeze. I called. Response was you will be helped in 15 min. 37 min later I hung up. when i go to sign in half the time its says incorrect and the other half it works but it never allows me to do anything once it signs me in. Meanwhile I need to turn off a credit freeze for my job to give me a security clearance. This company needs to have its doors shut as it has too much power over our lives with its horrible processes!
Product: Checking or savings account

Called on XX/XX/year> to close my business checking account, was told account was closed. It's not. Close the account.
Product: Debt collection

NCS IS ALLEGDING THE DEBT BELONGS TO ME for {$75.00} XXXX please reference complaint # XXXX. The copy responded to my previous complaint with the documents for a tenant that resides in GEORGIA Im disappointed that the cfpb has allowed this account to continue reporting even though they have failed to prove this debt belongs to me, even though Ive expressed I was a victim of theft. Please remove this account from profile. Ive attached my affidavit, as well the documents NCS gave you guys for an account as Ive said for the thousandth time DOESNT BELONG TO ME!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In touch XXXX XXXX  damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch XXXX XXXX on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 contacted XXXX about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( Barclay ) was reporting it. Started a dispute w/XXXX  about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days. 

Reached out to Barclay. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address Barclay EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ). 

Finally got the dispute back from XXXX, with the same address on there! They did edit it to say FL XXXX as well. XXXX also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the Barclay and/or XXXX showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES WERE NOT AUTHORIZED AND WANT THEM REMOVED XXXX XXXX VIA DEALER 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are currently going through a short sale on our home with a company called XXXX XXXX XXXX XXXX XXXX, we have been going through this with them for well over 8 months. They represent a company called Midland mortgage and they have been delaying the process over and over, we have a buyer for the home willing and ready to purchase and XXXX just keeps delaying the process. They have asked for the same information on numerous occasions ( which I have kept all documentation ), but when we call them we can never get the contact person they have assigned us so therefore we are thrown into a pool of people in which we never get the same person so they read through the notes only to tell us, we have all the information we need it is sitting with the under writer. Then it ends up needing a new appraisal because XXXX has caused it to be out dated. We have had numerous appraisals as well. I can not explain the frustration and anxiety that this has caused but would like to see a resolution.
Product: Payday loan, title loan, or personal loan

I took out a payday loan from Moneylion. I paid that back but noticed they kept taking money out of my account every month for a " credit builder loan '' that I did not give them permission to do. I tried contacting them but they only wanted to communicate via email which they never respond to. I then filed a dispute with all three credit bureaus but they stated it was validated. I had to close my bank account because they would not stop taking money out. They are now trying to send me to collections for missing payments on a loan I didn't apply for nor got any money from said loan.
Product: Student loan

I have a Navinet and loan. 

I am having trouble making the payments because of an inadequate employment They have been Robo calling my work phone which is my cell phone I am a XXXX  Are use my phone throughout the day to look up medications and other XXXX treatment plans.

I can get anywhere between 15 to 25 calls a day.

It disrupts my ability to conduct my job. I can not work affectively taking 15 to 25 phone calls per day shift I have asked them to stop on multiple occasions. I have received eight phone calls already this morning and its only XXXX XXXX  Please make them stop Robo calling my cell phone incessantly