23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mom and I got furniture for her apartment last year and she was paying the bill until she lost her job XX/XX/2017 which left all her medical expenses on me since she was declared disabled by her physician. ... .I informed them that payments would be hard for me to make I have tried doing partial payments and post dated check even put myself in overdraft to pay them but they have been very harassing won't take the payments I have tried to make and have been showing up to my house threatening me and my mom about the furniture they have called me 27 times in one day back to back and now that I'm behind on payments they have now put it on my credit report which it wasn't suppose to be they just started reporting this almost 3 months ago but never reported before when the account is almost 2 yrs old I have had a account that was paid in full but was never placed on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$910.00} XXXX XXXX XXXX {$230.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$140.00} 15 U.S.C, 1681section 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. 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 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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Debt collection

I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Student loan

I completed my time at the school and made the agreement to pay the fees. I completed my payment and now when I ask the registrar at the school Regarding my account she continues to try to upsell me and ask that I return to the school she will give me a letter stating my fees were paid in full if I reenroll. I have explained to her on numerous occasions I will not be continuing my education at that school and it is hindering me and my credit. They have reported the information incorrectly and as long as I return to that school they will give me the proof I am requesting. I want the proof I am requesting so that I can have this removed from my credit. 

XXXX XXXX XXXX Alabama
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

I have had this company reporting to my credit report since XX/XX/XXXX. I recently began cleaning up my credit and have asked this company twice via certified mail to validate this debt to them. I sent the first certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. I sent the second certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. To date they have not responded and they have not complied with fcra laws regarding marking the credit report disputed.
Product: Checking or savings account

I run a very small business and it's still rebuilding due to the Pandemic. Each and every time I make a deposit from a well-known business, Truist 90 % of the time put a 10-day administrative hold on my money. I have experienced this craziness for a year now. Who holds checks in this day and age?. In the meantime, Truist has already withdrawn the money from the checks that are on hold. I HATE this bank and will be changing to some other establishment. The merger has been nothing short of havoc. I have another business account that was very well established with SunTrust. I continue to read the reviews on the horrible Trusit bank. It makes no sense to hold checks like back in the 90 's. I know about 5 people who have closed their account due to the low rating and holding checks for 10 days. It's hard enough to keep a business going. I have payroll and more importantly bills to pay. Stop putting hold on XXXX to XXXX checks from well established companies. It would be different if the deposited checks had not cleared the bank. How do I k now? I always call the company who issued check to my company to see if it cleared their account. I even wrote a personal check to my business and a hold was put on it as well. I checked my personal account, and it clears the very next day because it was deposited prior to XXXX the day before. Just downright outrageous. Just what kind of bank is this? You go into customer service and it's a total waste of time. They can't say anything but " sorry, that's the rule, 10 days. One banker told me to have the company to cashapp the check for the services I rendered. WHAT??? 

The bank manager assured me after the account was at least a year old, I would no longer have administrative holds. The companies I work for are very well established and have never written a bad check to me. Also, one bank manage told me to ask for XXXX as payment for the work I do for them. I thought that was a very unprofessional remedy to my problem. 

I sold a vehicle to XXXX XXXX in XXXX Ga. I was given a cashier 's check for the proceeds. The dealership also uses Truist as their bank. It was basically a Truist to Trusit type transaction and Trusit still put a hold on my account. I feel as though they are using everyone 's money to gain interest for their horrible bank. 

I made a deposit on XXXX for XXXX plus just to find out there is another administrative hold of 10 days.
Product: Credit reporting or other personal consumer reports

I received a letter from Experian saying they were not going to work on my report because it seems like they someone was impersonating me- when I sent my id and other info confirming that it WAS ME!
Product: Credit reporting or other personal consumer reports

Recently i looked a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy.

here is the item i am asking you to verify as accurate Account name : XXXX XXXX XXXX number account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.
Product: Mortgage

I have a mortgage with Nationstar. The company has XXXX my ability to make online payments- for no reason. I am currently working overseas, the inability to make an online payments seriously jeopardizes my ability to pay on time or at all. The payment terms of my mortgage also changed when they took it over from XXXX XXXX XXXX. They began charging me service fees to pay online, have been constantly showing me with an additional fees owed which can never be paid through the online option and have not been accounted for during the annual mortgage evaluation and adjustment of payment.
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 : XXXXXXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX  XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Late payments reported and payments have been made on time its negatively impacting my credit In accordance with the fair credit Reporting XXXX XXXX  has violated my rights.

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 a account without my written instructions.
Product: Mortgage

Our title company got a mortgage payoff amount and wired it to Pennymac on XX/XX/2020. Pennymac held the funds for 5 days before reporting the payoff amount was wrong. I only found out when I logged into Pennymac 6 days after the closing ( a Saturday ) and noticed that the loan was not paid off. Pennymac refused to pay off the loan until we paid another {$320.00} in interest. When I contacted Pennymac for a resolution, they claim they notified us in three days, not 5. The fifth day was a Friday, which is very convenient for Pennymac to collect additional interest from us. I have an e-mail from the company we re-financed with that shows Pennymac waited 5 days to notify us. I don't think it should matter how many days, because the fact of the matter is that Pennymac was holding all but {$2000.00} of our payoff amount. They had {$170000.00} when our payoff was {$180000.00}. In essence, Pennymac charged us {$320.00} for {$2000.00} that was outstanding for 7 days, which is usury. It was also their fault that the payoff did not come for another 7 days because they did not notify us. Pennymac claims they mailed us a new payoff, but we did not receive any such thing. We agreed to settle the matter for {$170.00} and Pennymac sent us a refusal.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Inaccurate Bankruptcy Information This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX  XXXX Bankruptcy Status : Discharged Filing Dates : o Experian : XX/XX/year> o XXXX : XX/XX/year> Closing Date : o Experian : XX/XX/year> o XXXX : Missing Court Information : o Experian : US BKPT CT NY XXXX o XXXX : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement. 
2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law. 
3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information. 
4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.
Product: Credit reporting or other personal consumer reports

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. XXXX XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter.
Product: Mortgage

I paid off my XXXXyr XXXX mortgage on XXXX/XXXX/2015. Nationstar charged me interest through the end of XXXX. Per the Federal Register Volume 79, No. 165, Page 50835 24, CFR Part 20 ( RIN XXXX ) : interest is only allowed to be charged through the date the mortgage is paid. I have made multiple phone calls without any progress on my overpayment. Natoinstar 's customer service has no accountability and are grossly negligent. I will never do business with this mortgage provider again.
Product: Mortgage

I am an authorized third party, representing borrower XXXX XXXX, owners of XXXX XXXX XXXX, XXXX, Illinois XXXX. I am mediating a short sale, under the supervision of attorney XXXX XXXX, for Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. I have made 4 requests for a copy of the valuation report : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, with the last 3 requests asserting Ms. XXXX 's right to the appraisal, providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. XXXX ] RIN XXXX Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B. ) I pointed both Mr. Cooper and XXXX 's employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports. On XX/XX/2021, Mr. Coopers rep reported management decided short sales borrowers were excluded from the regulation, even though I specifically highlighted the findings on page 27 of the regulation stating otherwise. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper is withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyer at risk to Ms. XXXX family of losing a true fair market value offer for their property. 
XXXX This is the second time I have had to file this exact complaint against Mr. Cooper. The last ( # XXXX ) resulted in Mr. Cooper complying. Because of this fact, I am asking for more strict penalty against Mr. Cooper for their persistent disregard for the regulation.
Product: Student loan

On XX/XX/23 I received notification from MOHELA that I was on the SAVE plan. This is great because I was on IDR before and on PSLF track since I work for the state. For the consolidated loan my bill was {$0.00}. However, there was only one loan listed on there. I asked them what about the others because I have more than one loan on the account but the total due said something around {$210.00}. I received a notification back to give them a call to discuss this after asking this. I tried. I am unable to get through on the phone. 
On XX/XX/23 I emailed again because I am unable to get through on the phone. I was on the SAVE plan and then suddenly without warning I am on the LEVEL plan and my bill triples! I have now tried contacting them multiple times via phone and email. Both go unanswered. I have sent additional emails on XX/XX/XXXX and XX/XX/XXXX and still have yet to receive a response. I recently resubmitted my IDR documents on the XXXX website since they took me out of SAVE and still my payment is showing double what it was and I can't seem to get anyone on the phone or to answer the emails to find out what's going on. I am not going to be able to make the payment they are requesting and I can't even get in touch with anyone about that. They have no problem sending me a bill and changing things on me without warning but they are not able to answer? I am so frustrated with this whole process. It's bad enough they won't count half my time as a public service worker for the state towards my PSLF progress, to have these troubles on top of it is just absolutely ridiculous! I need help please.