23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied for a loan with boa got pre approved then gave over XXXX in earnest deposit. After looking for a month. Never Heard from the loan person except one time to take my appraisal pmt. I thought I was getting document in right but then was giving a problem with the portal. The paperwork person XXXX and I spent one hour on the phone getting it all together the check went green we packed sent out XXXX on our XXXX rental only to be denied in the final hour. I have plenty of emails begging for information. We kept getting conflicting information to the point my husband transfer me to much money then they said I didnt have enough of my own assets. I am just a regular person I work for my money check to check these people have me homeless in a serious bind. I know it is my fault for thinking they would at least help guid me but XXXX XXXX advised me that is not their job and Im am out of XXXX and XXXX for inspection. Please contact me and explain how this is legal. The real estate company suggest I file this and are willing to give all emails. Please help me. We XXXX in rent I thought XXXX is so able. But i am considered a risk? Please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section a Section 1 Section a : 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 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

11 USC 362 Section c Section 3 : Chapter 7 Bankruptcies must be dismissed.

15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

18 USC 894 : Using unlawful extortionate means is a violation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX XXXX XXXX XXXX refuses to update my credit file with The Tbrer major credit bureaus Transunion XXXX and XXXX .This a credit card is paid in full. Every month XXXX XXXX takes between XXXXp and XXXX  points against my fico score. It's wrong .it appears that this ba k has cut a deal to get paid to continuously take points to keep my score from improving so credit companies like XXXX XXXX  can continue to get paid for posting inaccurate information. This continuous practice is disparate for me as a person of XXXX and it also keeps me at a disadvantage of getting credit or a loan which is unfair. Every month I please with XXXX XXXX to update and they continue to keep my profile of XXXX XXXX in the negative. This appears discriminatory and deliberate. It's been over a year now and XXXX XXXX willmot update my credit profile thus allowing fico to improve my scores. It's simply no reason for this time of treatment especially when the account is paid .this is a honest attempt to remedy this problem otherwise I will have no choice but to bring XXXX XXXX dba XXXX XXXX. 
This practice is hindering all the credit bureaus with my profile.
Product: Checking or savings account

On XX/XX/XXXX, at approximately XXXX XXXX, four transactions totaling exactly {$5000.00} were deducted from our joint checking account at Regions Bank ( Regions ) and paid to persons unknown to us. The transfer was made through the XXXX system, a partner of Regions. Just days prior to this event, Regions had announced the completion of a major upgrade to its security system that would enable the bank to better serve and safeguard its customers. 
The transactions were all posted as pending. Other information for each is : XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1000.00} ; XXXX - XXXX record number XXXX to XXXX XXXX XXXXn the amount of {$1400.00} ; XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00} ; and XXXX : XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00}. 
My husband and I have never set up an account for XXXX services as part of our Regions online transaction account. To the best of our knowledge, we have never had a XXXX account associated with any accounts we may have, or have had, with other banking institutions. However, in the little information that we have been able to obtain from Regions ( see attached Article 1 handwritten note from Regions employee in XXXX ), its records indicate that a XXXX account was set up on XX/XX/XXXX. As best we can tell, this account was not used until XX/XX/XXXX, at which time another email address was verified for the account : XXXX. This email address is unknown to us, and we were only made aware of its part in this fraud weeks later. 
Prior to the XX/XX/XXXX date, our personal information was stored on Regions computers and accessible to an unknown/possibly unlimited number of people associated with Regions, XXXX, and/or any computer security contractors/employees associated with Regions security upgrades.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This account : MIDLAND CREDIT XXXX, MIDLAND CREDIT MANAGEMENT, and/ or MIDLAND CREDIT MANAGEMENT XXXX ( XXXX ) is reporting several inaccuracies and False Information. The reported Companys Name, and Mailing Address for this account is Different and inconsistently reported on my XXXX, XXXX, and XXXX report. 

XXXX : Name : MIDLAND CREDIT MANAGEMENT XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX LA XXXX, XXXX XXXX, XXXX XXXX, CA XXXX To my knowledge it is Not Possible or accurate for a Company / Account to have XXXX Different Names and Mailing Addresses. Furthermore a company is prohibited from reporting a XXXX XXXX XXXX and/or Mailing Address. 

My second complaint is this Account is reporting Past Due : {$640.00}, which is Falsely Reported because that would indicate that a prior payment arrangement was made regarding this accounts balance, in which I DO NOT have ANY prior or present payment arrangements. with MIDLAND CREDIT MANAGEMENT, MIDLAND CREDIT XXXX, or MIDLAND CREDIT MANAGEMENT XXXX. 

Also XXXX is reporting the date of removal XX/XX/2027, and XXXX is Reporting On Record Until XX/XX/2027. 
This is also inconsistent and inaccurate because these dates should be the same if the data furnished is 100 % accurate. This also a indication that this account may have been RE-AGED at some point. 

Please investigate the accuracy of the complaints described above. 
Thank you
Product: Student loan

To date, I have paid Navient {$16000.00} for my student loans. Prior to graduation I had XXXX loans that totaled to around {$60000.00}. Assuming that I was paying my loan balances down, I enrolled in automatic bill pay. This was two years ago, fast forward to today my loan balance is just over {$70000.00} despite making nearly $ 800 monthly payments for the past two years. I look into how could my balance be higher than what it was after two years of payments and I find out that all this time less than {$3000.00} went to the principle and over {$13000.00} went to interest. At this rate how does Navient expect me to pay off my loans? That is the issue, Navient does not want me to ever pay off this debt. Navient would rather I continue paying off this debt until I have paid 200 % of the original loan amount. My interest rates were just over 10 %. 

In addition to high interest rates and unethical distribution of loan payments. Navient also reported me to the credit bureaus claiming I had 16 missed payments. This ruined my credit. I called Navient prior to missing any payments to be placed on deferment until I found employment after graduating. Six months later I find out that my credit score fell XXXX points. I tried tirelessly to have Navient remove the missed payments from my credit scores because I was under the assumption my loans were in forbearance. Navient did an investigation and saw that I did indeed call on the day I told them I asked for a forbearance but claimed they can not prove I asked for a forbearance. So they insisted they could not remove the missed payments from my credit scores.
Product: Credit reporting

I have a paid medical bill that has not been removed from my Equifax report. According to the new laws, this paid medical bill needs to be removed from my report.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against them.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am fully aware of the School Misconduct Discharge Pilot Program and I would like to participate in it. If you don't address this, Ill be reaching out to my state and federal legislators, and anyone else I can think of to get the ball rolling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, my fico score has drastically decreased from XXXX to XXXX over the past several months. I first checked my credit report with Experian credit reporting and immediately noticed Experian has changed the way they are reporting information on my credit report that appears misleading and is causing my fico score to drop. In XXXX  due directly to health issues and medical bills, I had to file bankruptcy, chapter XXXX. Since this time, Ive worked incredibly hard to rebuild my credit over the past XXXX years. Building good credit, payment and other credit related things, I was finally getting out of the bad fico score areas, building up to XXXX, XXXX. Although a bankruptcy stays on your credit report for up to XXXX yrs. This bankruptcy would be visible in the public records section of any credit report with information as to filing and discharge records. Recently though, Experian appears to be reporting this bankruptcy TWICE on my Experian credit report. Once, seen under reports of all credit, which includes total accounts, 1 public records, 30 personal information, 1 hard inquiry and then again as already mentioned in public records as to bankruptcy, is seen as 1 potentially negative. Experian is listing this bankruptcy twice. Once as a 1 public records then again as 1 potentially negative in red lettering. Reporting by Experian in this matter is causing my credit and fico score to drop drastically as it appears as seen in attached pic, as 1 potentially negative, relating to the bankruptcy then again as to 1 public records. This is outrageous reporting of this bankruptcy as two times. This bankruptcy should only be mentioned once in public records area and thats it. This reporting an additional 1 potentially negative in red as well is misleading and is directly causing my credit to dramatically decrease. This reporting by Experian in this manner is again, misleading information to only one bankruptcy that should only be 1st mentioned once in the public records section on my credit report and not again as to having another bad record as to 1 potentially negative listing as seen in the attached credit report. I have tried twice in a direct dispute with Experian to this misleading information and demand they remove the 1 potentially negative notification seen on attached report and only list this bankruptcy as it should once in the public records section which it should be. Im Now asking for your help to remove this double, misleading statement, information from my Experian credit report by taking the 1 potentially negative notification in red removed and leaving the bankruptcy as it should be, left in public records section. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the fraudulent items in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the invalid name XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action
Product: Checking or savings account

On XX/XX/2022, I received a letter from Chase Bank stating that all my bank accounts, business accounts will be closed within a month of two.There was no explanation as to the reason for this. 

On XX/XX/XXXX, I reached out to Chase via phone to ascertain the reason for this but despite multiple phone calls, no one told me why all of my accounts were being closed. 

On XX/XX/XXXX, I went to the nearby regular Chase bank branch to request the reinstatement of my accounts but they did not give any reasons as to why they could not reinstate my accounts. They also did not share any reasons for the closure despite my multiple pleas for the same. 

I am a small business owner and recently started my UX design freelance work. I am a single mother and I manage a day job along with my UX freelance work to support my family. I have Chase as my primary bank account and credit card account for my personal self and my business. I only do regular daily transactions with my accounts and there have been no cash or large transactions in my accounts ever. I have recently immigrated to the XXXX  and I rely on Chase for their banking services. Closing all of these without a reason is very troubling and harrowing for me. 

Please. I request chase to reinstate my accounts as I have abided by their banking terms and I have done nothing wrong with any of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the accounts XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Product: Credit card or prepaid card

I provided prove and all documents Barclays JetBlue ask for to give me a full refund and still nothing its been 4 months they XXXX giving me the runs rounds
Product: Checking or savings account

Opened a new CD on-line on XX/XX/XXXX for a 14 month CD advertised with rate of 5.65 % with Synchrony Bank XXXX I was informed that I could fund this account within 30 days. On XX/XX/XXXX, after the funds were transferred ( via XXXX to my Synchrony High Yield Savings account from an external account ) and made available only on XX/XX/XXXX, I funded the account. The online account showed 5.65 % for 14 months when I funded it. However, when it was fully opened moments later, the rate had changed to 5.25 %! 

I immediately contacted Synchrony Customer Service and spoke with a live XXXX named XXXX who tried to help me but the connection was lost. I called again and this time spoke with XXXX who said they can not honor the 5.65 % rate advertised and had to keep the current rate offered at 5.25 %. I asked if they could resolve this by offering a similar rate with similar term but best rate available was 5.50 % at 15 months. I said ok but then was informed they would have to close the new account and charge my 7 days interest on the principal which is about {$230.00}! I asked her to elevate my request to a XXXX. She transferred me to XXXX, a XXXX who could not give me her last name. 

As a consumer, I was misled by the promotional rate offered. The original reason why I moved my LIFE SAVINGS to Synchrony in the first place was because of the rate Synchrony Bank was offering. When I spoke to XXXX, the XXXX, she told me that their terms and conditions said the consumer does not have any rights to make a change within minutes after an account is funded without incurring a penalty. So essentially, I would be charged a penalty against my savings principal for a false advertisement enticing me to move my life savings to an account that was later lower rate? I don't feel the average consumer should be mis-led to rates that change on a dime especially if the online portal still shows the advertised rate of 5.65 % when they are funding the account online. Now they are going to charge me to close the account and open a new one. I am now losing money instead of earning interest on my money. This is very egregious to the consumer.
Product: Debt collection

After reviewing my latest credit report, I noticed several accounts that I suspect were added without my authorization. Please take immediate action to block and remove these fraudulent accounts.
Product: Debt collection

MRS XXXX  contacted me last year regarding an internet bill. The account had been with another agency prior to MRS . I asked that agency, in writing, to advise what the bill was for. They responded it was equipment that hadn't been returned. I had returned equipment and my bill reflected it, but did stated I had " other equipment. '' My question to them and to the first agency was " What equipment do I have. '' The proceeded to send the account to MRS XXXX. I paid to MRS XXXX  what they showed was not for equipment and told them to send me details of what equipment I have so I know what to look for. They didn't. XX/XX/XXXX, I received a text message from MRS Assoc at XXXX " regarding a natter for XXXX. MRS is a debt collector. '' I responded at XXXX XXXX " Cease communication until you can tell me what equipment I have. This is disputed. '' Their text came from XXXX, Today, ( XX/XX/XXXX ) at XXXX XXXX  I received a text " Please contact MRS Assoc at XXXX regarding a matter for Spectrum. MRS is a debt Collector. '' My response to them at XXXX XXXX  " You ignore my written communication until you provide me with details as to what equipment I have? Isn't that in violation of the FDCPA? I will ask CFPB and FTC. ''
Product: Debt collection

i ALREADY PAID XXXX  XXXX XXXX  IN FULL PRIOR TO THIS BEING TRANSFERRED TO COLLECTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get my free credit report and CREDIT PROFILE after providing the correct information.