23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

l have submitted three certified letters to XXXX, Experian XXXX   credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX. l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the USBK Northern District Of Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from XXXX, XXXX, Experian.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record
Product: Student loan

Over the past several months, I have encountered inconsistent information, delays, and errors from XXXX and Federal Student Aid ( FSA ), negatively impacting my ability to achieve forgiveness through XXXX. 

Timeline of Events and Issues : Misinformation and Lost XXXX Payments ( XXXX XXXX  ) : My direct consolidation loans were incorrectly placed on the Standard Repayment Plan, which does not qualify for XXXX, due to court litigation affecting the XXXX plan. This caused me to miss XXXX qualifying payments. XXXX assured me this issue would resolve automatically, but no corrective action was taken. 

Buyback Eligibility for Graduate School Forbearance XXXX XXXX XXXX XXXX XXXX : My forbearance period during graduate school was initially confirmed as eligible for PSLF buyback but later denied without clear justification, despite my payment history showing this period qualifies. 

Delays and Lack of Updates : My PSLF reconsideration request, submitted on XX/XX/year> ( Case # XXXX ), and a formal complaint ( Case # XXXX ) filed on XX/XX/year>, have experienced unreasonable delays. Both remain unresolved despite multiple follow ups and a request for escalation to the XXXX XXXX. Communication from the FSA has been inconsistent. 

XXXX XXXX from Delays : I am awaiting forgiveness of XXXX qualifying XXXX payments through the buyback program, which would bring my payment count to XXXX. Delays are preventing timely resolution of my PSLF reconsideration request, placing my financial stability at risk and causing unnecessary stress. These delays also limit my ability to pursue a career change outside of education, as I can not financially afford to leave my current teaching position until I receive PSLF forgiveness. 

Attached, you will find detailed documentation of my communication with XXXX, XXXX, and Federal Student Aid that includes dates, case numbers, and key events. I tried to bold text that were most pertinent to this complaint.
Product: Credit reporting or other personal consumer reports

There were fraudulent accounts made in my name. I couldn't have made the accounts because I was still XXXX  during the time. I would really appreciate assistance in this matter because I have been trying to make a living for myself and it s been extremely hard because of these items.
Product: Money transfer, virtual currency, or money service

I seen a XXXX on XXXX XXXX  & turned out to be a scam. I sent the money to him and still havent received anything
Product: Mortgage

First, my mortage was sold to Freedom Mortgage XX/XX/2021 without my knowledge. I want my mortgage moved somewhere else. The Interest rates are extremly high and customer service is a JOKE! It took 3 weeks for a escrow analysis. I was given 3 different dates to have this completed and each time, the representative told me that the documents were not uploaded and that it would be taken care of today. I decided to refinance for a lower interest rate and cash out option. Loan Officer XXXX XXXX and discussed refinancing from XXXX to XXXX with cashout $ 20k for home repairs and load goes from {$690.00} to {$590.00} and changed from FHA to Conventional Loan. XXXX did a soft and hard credit check, completed application and never receive a call back within the 20-30 minutes I was told. 2 days later, I called and was told it was denied but of my credit card being XXXX points under their threshold for the loan... what a crock. He was rude and said application denied and there is nothing we can do about it. I do believe race is a factor in this given I had to give them my information. If I was a different race ( privelaged ), XXXX points would have not been a factor! After speaking to at least 7 reps, I get the run around. I was told the loan was pending. I was told the application for in escalation status and would be given a call from a manger. Well, I have heard that 3 times already and never received a call back. I am tired of hearing that things will be taking care of today! It's never today, it's never tomorrow, it's never the next day... Freedom is a NEVER mortgage company! I would give - 10 stars if allowed. Freedom Mortgage doesn't care about it's customers. They are not a fair company. I am currently looking for another lender. I highly recommend choosing another company that cares about you and your home.
Product: Credit reporting or other personal consumer reports

1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( B ) Extension of period to reinvestigate ( C ) Limitations on extension of period to reinvestigate ( 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. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. You have 30 days to respond or delete all accounts asap. Account Below Acct # Account Name XXXXXXXX XXXX XXXX Balance- {$230.00} Account Name- XXXX XXXX XXXX XXXX XXXX {$99.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Acceptance Corporation ] for engaging in improper and deceptive debt collection practices. The alleged debt in question was securitized as part of Credit Acceptance Auto Loan Trust XXXX XXXX and based on publicly available documentation, the creditor has relinquished ownership and legal rights to this debt through the securitization process.

Despite this, [ Credit Acceptance Corporation ] continues to pursue collection activities, including : 1. Reporting the alleged debt to credit bureaus, damaging my credit profile.

2. Sending collection notices claiming ownership of the debt.

3. Failing to provide verification or evidence of ownership of the debt despite my dispute.

Under the principles of securitization, the debt is now owned by the trust and its investors, and [ Creditor Acceptance ] no longer has the legal standing to collect on this debt. Their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which protect consumers from deceptive and unlawful collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a number 3. You ( XXXX, Transunion, XXXX ) assumed this role without permission. Not only that, you did not have my consent, you guys did not respect my right to privacy which is under 15 USC 1681a number 4. You did not exercise your grave responsibility. You were unfair and you were partial. I have already taken the liberty to file a CFPB report and an Attorney Generals complaint. You never had permissible purpose under 15 USC 1681b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What Im demanding is that you delete inaccurate information such as ALL inquirys and XXXX XXXX account it says the account was charged off in XXXX. 90 days late in XXXX and closed in XXXX. How can that be? The entire account is inaccurate, on XXXX, Transunion, and XXXX and has been for 2 years and has caused me serious harm. See attachments as proof. 

( 2 ) The term serious harm means any harm, whether physical or nonphysical, including psychological, financial, or reputational harm, that is sufficiently serious, under all the surrounding circumstances, to compel a reasonable person of the same background and in the same circumstances to perform or to continue performing labor or services in order to avoid incurring that harm.

Source : 18 USC 1589 ( c ) ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports |
Product: Mortgage

I have tried to pay my mortgage with Truist since it merged with BB & T the way I always have. The XXXX payment didnt process so I tried paying both XXXX and XXXX on at the same time to now just recently finding these payments didnt process. Im looking at having to pay now three months all together which I can do but it is so far impassible to give them your money. Ive spent XXXX hours on the phone with them being placed on hold and passed between six different people all who couldnt figure anything out or whatever they didnt did not work. The account I pay with has not changed. My wife spent hours on the phone with last night getting passed back and forth between two departments who couldnt do anything and they just ping pinged the call back and forth. I am concerned over my credit, the bank starting foreclose even though Im trying to pay them
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit score drops almost a 100points for no reason once a year. It just happened this year! I'm not sure what is going on, I have filed numerous disputes with them, they never investigate anything. I want to find out how to file a lawsuit against them for dropping my score every year and have other people that will join.
Product: Credit reporting

I have a hard inquiry on my report from XXXX. This is a result of identity theft as I did not request or authorize any inquiries at this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number XXXX, Date opened XX/XX/2023, XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

On XX/XX/23, I requested a 90-day payment deferral or reduction on a private student loan that I currently have with the company. After going over the reason for the request ( my husband was off work for 3 months on unpaid XXXX ), my income and my expenses, I was informed that I don't qualify for their one and only option - interest only payment - because I didn't have anything left over to pay the interest only payment. I asked the representative if this was the only option that the company offered and she confirmed that it was. I said to her that the reason I was requesting a deferment was because I had a loss in income and that if I couldn't pay I'd be penalized by a bad credit rating as well as the possibility of wage garnishment. Her response was that if the company let me defer my payment they would be breaching the contract. So, you will cause people default on their loan with you so that they can breach their contract with you and you will cause them a hardship as a result which is terrible business. Her response was to try to find the additional income in order to make the interest only payment. I make the regular monthly on-time via recurring ACH debit and this is the treatment I receive when I need help. I want to pay but need at least 3 months to get caught up with all of our bills but my good repayment history doesn't count for nothing with this company. Sad!
Product: Checking or savings account

On XX/XX/22, I checked my PNC checking account balance and noticed that a {$5000.00} check written to XXXX XXXX was cashed for {$15000.00} by an unknown individual. This and other checks were stolen from a mailbox outside the post office. After multiple visits to two different PNC Bank branches, multiple phone calls, a report to the police, and a report to a government agency, I am yet to receive a refund to my account. I was told that PNC would have to refund me within 90 days per policy. I was also told that I could not close the compromised checking account which resulted in fees being charged for having a low balance. I was refunded {$50.00} of the {$75.00} fees charged after multiple complaints, but still no refund of my stolen {$15000.00}. I am owed {$15000.00} by PNC.
Product: Credit reporting or other personal consumer reports

These Two collections company are harassing and calling me everyday I have no clue who they are. Never signed no contract with them also none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. Transunion delete these accounts and some how they back on my credit report I would be taking legal action This is a violation under the 15 U.S. Code 1692d law also known as FDCPA 806, prohibits debt collectors from harassing, oppressing, or abusing people in connection with debt collection. This includes conduct that could naturally result in such actions. I would like to these unknown accounts deleted off report and I would like to be compensated for these lies at this point disputed this like 100 times and it keep coming back verified clearly a proper investigation is not being done. 

So delete this inaccuracy from my report.
Product: Debt collection

At XXXX PST on XX/XX/19, " XXXX XXXX XXXX with XXXX , XXXX , and XXXX  threatened to take legal action against me for a XXXX debt that does not belong to me. Would not give me any information, and hung up on me twice. Stated " there was a claim out against my social security number and they would pursue against me ''. I have never owned a XXXX card in my life. This is a fictitious debt that I have already taken legal action over in the past. I will do it again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # 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, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

It was a purchase from XXXX XXXX on XX/XX/year> for {$280.00} on my sofi account that I did not authorize
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally file a complaint regarding a fraudulent transaction that occurred on my Wells Fargo debit card account. Below are the details of the incident : On XX/XX/year>, an amount of {$1700.00} was withdrawn from my account under the name XXXX XXXX, linked to a purchase authorized on XX/XX/year>, by XXXX. This transaction took place despite the fact that Wells Fargo had canceled my account XXXX weeks prior due to ongoing fraudulent activity. 
Upon noticing this unauthorized withdrawal, I immediately contacted the Wells Fargo Fraud Department. Initially, the bank credited the amount of {$1700.00} back to my account. However, on XX/XX/year>, the bank deducted the amount again, stating that they had not found sufficient evidence to deem the transaction fraudulent. 
When I sought clarification from Wells Fargo, I received no satisfactory response to the following critical questions : 1. How was the withdrawal of {$1700.00} allowed on an account that had already been canceled due to fraud?

2. Why was I not informed or consulted before this transaction was authorized?

3. How was an international transaction authorized without my explicit consent or coordination? 
Despite my repeated attempts to resolve this issuethrough multiple calls to XXXX XXXX customer service and in-person visits to their branchesI have not received any meaningful assistance. Instead, I was advised to contact XXXX XXXX directly to recover my funds, which I did that but XXXX XXXX  customer service told me they dont have any information under the my name or my debit card, which is impractical as this was a fraudulent transaction. 
This incident has caused significant financial and emotional distress. I am seeking assistance from the internet crime Complaint center to : 1. Investigate this fraudulent transaction and determine how such activity was allowed to occur.

2. Address any potential negligence by the bank in handling this case.

3. Pursue the perpetrators of this fraud to ensure justice is served.

Attached to this letter are copies of relevant documents, including bank statements showing the unauthorized withdrawal, communication records with Wells Fargo, and any other evidence I could gather regarding the incident. 

I kindly request that you initiate an investigation into this matter at the earliest possible opportunity. Please let me know if any additional information or documentation is required to proceed.
Product: Checking or savings account

My paycheck hasn't been direct deposited into my bank account. Today was my pay day and my direct deposit hasn't been deposited. I have utility bills due and need to buy groceries for my house hold and need access funds from my paycheck but my bank has not deposited my funds. I have reached out to the bank customer service and they do not have a turn around time of with this would be fixed. It's now XXXX on XX/XX/year> and still my paycheck hasn't been deposited into my checking account. With this messed up economy this is the last thing anyone needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX, and I am writing to whom this may concern today to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

I opened my Capital One account in XXXX of last year and since that time, have not made one late payment ; in fact, I have always paid early, and always paid well over the minimum payment amount due. I was shocked to see that after my most recent payment of {XXXX} which was well before the due date ... that my credit score had a significant drop, noting that that Capital One had closed my account. I called Capital One believing there must be an error, and was notified that it was due to return payments. These payments were a result of me using the Capital One App for payments and unfortunately, I switched bank accounts and inadvertently had a wrong number for my new bank account. When I saw the payment was not accepted, I thought perhaps it was the fault of the new bank, so I tried again, immediately, but it was again rejected. After calling my bank to determine it was not them rejecting, I double checked and realized I input the wrong bank account number in payment app & immediately fixed it. My payment cleared ; again before the due date and well above minimum payment amount. The App does not let me delete that incorrect bank info that I could tell, and this past month, I didn't catch that it defaulted to the one that was entered incorrectly, and slid the indicator to pay from what I assumed was the proper and most recently used bank account. As soon as I saw that the payment was rejected, I realized that the App defaulted to the incorrect bank account information and I resubmitted payment ; still well before the payment due date. I explained this to 5 people including 2 supervisors ; requested they reconsider the closure of the card, noting that they can review and see that this is exactly what happened and there's no dispute that I always pay early and above the amount. They indicated that these inadvertent bank issues resulted in me having 5 violations and thus, there is nothing they can do and I would have to reapply for credit. But I can not reapply for credit because their actions resulted in my credit score dropping significantly. They've harmed my livelihood and ability to get credit going forward all due to their closure for a short period of app issues, despite my stellar payments. I feel this closure is not in good faith and a review of my Card Agreement does not indicate that there closure of my account was justified. I do not believe a person that pays 100 % early and more than necessary is in violation of the Card Agreement, nor should they suffer the penalty of having my livelihood and ability to get credit going forward impacted. Add to it that my data was among those impacted by their breach, so they've caused harm to me in two manners.
Product: Credit reporting

I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.