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

XXXX account number # XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15.U.S.C 1681 section 602 A.states I have the right to privacy 15. U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain regarding this inaccurate information on my credit file. You must correct and verified the account that was opened inaccurately on my report. I am not agree with this as I found the account which seems to be an error. It is the responsibility of the credit bureaus to correct the account : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$310.00}.
Product: Mortgage

I filed for bankruptcy in 2011 in which my 2nd mortgage stop contacting me regarding payment. I tried to reach out to them but the loan was sold. Now 15 years later, my 2nd mortgage contacts me stating I owe them XXXX XXXX dollars and if I don't become current, they will proceed with foreclosure. THIS SCARED ME, so I hired XXXX XXXX to represent me and negotiate a settlement. XXXX XXXX said filing a lawsuit was now best way to bring Statebridge to the " table ''. But XXXX XXXX did not act in good faith and fair dealing. Therefore, I tried to talk to Statebridge LLC and offer XXXX XXXX dollars as a good faith starting point to negotiate and give me more time to refinance the debt. Statebrigde LLC said I need XXXX XXXX dollars to stop foreclosure. But like most Americans, I DON'T have XXXX XXXX dollars in cash. But like a-lot of homeowners, I have over XXXX XXXX in equity in my house which I can refinance this debt with the investor Statebrigde LLC is serving for.
Product: Debt collection

XXXX XXXX has called me from Midwest XXXX agencies. I have spoke with him and tried to settle the debt but he wouldnt give me accurate information. The numbers just do not add up. He also contacted my previous employer as well as my current employer and my girlfriend harrassing us. I have told them repeatedly i am on the national do not call registry and he still continues to call. He told my boss information that was private and hurt my employment which eventually lead to me having to leave the company. I am sick and tired of being harrassed by this same individual. He used profane language on the phone calls and calls me at least once every other day. I have tried to settle debt with the original collector and they will not accept any form of payment if it isnt the full amount.
Product: Mortgage

I received a letter in the mail from Atlantic Union Bank on XX/XX/23 stating that my change of address request had been received & processed. To my knowledge, I didn't have any accounts with that bank. I called the XXXX # listed & asked if they could verify if I had an account with them. The person asked for my SSN. I told them that they were crazy if they thought I was going to give them my SSN. They told me that I would have to go into a local branch to find out then. Fearing that my SSN or identity had been compromised, I pull my credit report. No new accounts had been opened in my name fortunately. I did see where Atlantic Union Bank had performed a soft inquiry on my credit. This made me very angry as my information was compromised on XXXX a few years back. 2 weeks later I receive a flyer in the mail saying that I'm pre-qualified for a heloc. This is a terrible way to attempt getting new customers & I don't appreciate the stress that they caused me. This is why I'm filing a complaint against them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon recently obtaining a copy of my credit report, I was deeply concerned by the findings. It has come to my attention that there are late payments listed on my consumer credit report that absolutely should not be there. 

I tried numerous of times via phone call and even mailed off letter to get this information removed. I'm very disappointed and lost for hope. 

XXXX - XXXX - Payment Never Late - The payment status does not correspond to the payment history. if you can please investigate and update the payment history. 

XXXX XXXX - XXXX - Payment Never Late - The payment status does not correspond to the payment history. if you can please investigate and update the payment history. 


I am compelled to bring to your attention that according to the law, there should be no late payments recorded on my consumer report under any circumstances, especially without my consent or any involvement in the alleged transactions. 

These discrepancies represent clear violations of my consumer rights as outlined in 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b.

I kindly request that you promptly rectify this matter by removing these erroneous late payments from my consumer report and updating the associated account accordingly. 

I have proof that the late payment has been remove from other credit reporting agency however XXXX and Experian has failed to acknowledge my disputes. 

Thank you for your attention to this urgent matter. 

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

ON XX/XX/2022, Sent a letter to XXXX, Equifax, and XXXX, XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX my account was temporarily restricted due to unusual activity when Ive been depositing money from the same accounts for months already. They asked for bank statements of 2 different accounts and a selfie for verification of the account. I did so but in the process of uploading the 2nd bank statement I uploaded the same one twice and it wont let me submit the 2nd one. It said it would let me know something by the XXXX and theyve been pushing the date everyday and now there saying the XXXX. I cant keep waiting I need that money on there. And I have proof that money was from my new job I just started I have all the transfers from the banks used.
Product: Debt collection

XXXX has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a discharged bankruptcy on my credit report.I asked for method of verification. Never received it. I asked the court do they verify with third party they said no. Therefore if court said they do not share this information how could Equifax legally report bankruptcy.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit card or prepaid card

DiscoverCard Payment Protection Plan. I was unaware that I was enrolled in this and did not give my consent. I did some research into what the charge was for and found that I had been charged this fee since XXXX. Until I looked into it further I thought it was a regular fee and was not aware that I had to give my permission to be enrolled in the plan. I also saw online that there was a class action lawsuit regarding this problem in XXXX. I am wondering what my rights are as a person who has not had resolution to this yet. I did speak with Discover to cancel the Plan. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

XXXX  - XXXX  XX/XX/XXXX Equifax - XXXX  XXXX/XXXX  XX/XX/XXXX
Product: Student loan

I was automatically enrolled in the XXXX repayment plan. My understanding is the repayment amount should be lower than my former payment amount under REPAYE. However, the proposed payment under XXXX is about {$100.00} more than my prior repayment amount.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any item which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove this item. 
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly medical collections/charge-offs. Please see attached spreadsheet with account numbers and balance due. I have also attached a copy of my credit report for reference. These account balances need to report a {$0.00} balance and {$0.00} past due. I have insurance with XXXX. I have attached a copy of my insurance card as well. The insurance company did not file the claims even though they are contractually obligated to do so. Their lack of due diligence has consequently caused the accounts to go delinquent and report late with a balance due. This negative reporting is seriously harming my credit score and these accounts need to be reported accurately. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

I made a purchase of XXXX and some odd dollars for Black Friday that hit my account on XX/XX/XXXX a few items were lost in route and XXXX refunded my funds on XX/XX/XXXX in which the transaction appeared as a credit and a withdrawal I called XXXX and asked why did they charge me and the stated they only refunded the XXXX that they didnt bill me and that I needed to reach out to my bank which I did and was told it was a known it issue and not to worry the funds will post and the withdrawal will fall off I trusted the bank because a few weeks prior the same thing happened and it fell off but this time it did not the XXXX went through on my account both credit and withdrawal I immediately called navy federal and they opened a dispute and I was given a temporary credit but today I got notice they will cancel the temporary credit and withdraw funds out of my account on XX/XX/XXXX I called navy federal and tried to explain to them that the XXXX that was given was part of the XXXX dollar order I ordered from XXXX on Black Friday that hit my account on XX/XX/XXXX and not a refund for the charge on XX/XX/XXXX that posted on XX/XX/XXXX I didnt think to take a screenshot but I did today with another transaction where I received a refund for XXXX or XXXX and a withdrawal at the same time i am attaching proof of all stated above
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with the credit reporting agency Experian. Experion is not including any of the credit I have on my credit report. This has negatively impacted my credit score. I have contacted creditors to ensure that they are reporting to Experian. My mortgage company sent a letter stating they have been reporting to Experian. The mortgage company stated in the letter that they contacted Experian to ensure the information was being received. Experion stated they had received the information, but they had an identity verification concern, and I would need to contact them. 

I attempted to contact Experian to resolve this issue. However, all I got was an automated telephone menu. There is not option for the issue I am having. There is no option for the general public to actually talk to someone in an effort to resolve issues. I feel this is intentional, and an unfair practice. The consumer agencies have total control over one 's credit and the consumer have no real way to resolve issues with them. I wrote a letter of dispute but got no real answer as to why they are not including my credit information that is reported to them on my credit report.

Each time I contact the 3 credit reporting agencies for a credit report, I get the same run around from Experian, about needing more information. Over the years they should have corrected my information. 

There are several companies reporting my credit to Experion and this needs to be resolved. IT IS NEGATIVELY IMPACTING MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute through Transunion for my previous mortgage loans that have falsely reported to my credit report. The mortgage loans were through XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. I have bank statements showing when we made payments. We also were trapped by the bank into our XXXX home loan, and falsely lead into a high interest rate that benefited the bank, not us the consumer, but they didn't make us aware of everything when we were getting the loan and they had their " board '' make it work. We feel we were used as a consumer and taken by the bank. We also knew the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and we feel that connection is what got us trapped and used for this high interest loan. We are fighting them through the XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, XXXX XXXX and Experian accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the XXXX XXXX XXXX XXXX XXXX email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered XXXX XXXX XXXX  failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.
Product: Checking or savings account

There has been multiple attempts of contacting the bankbank of americasince XX/XX/2018 regarding an unauthorized transaction of XXXX. With letters of constant complains follow by a claim number, the bank was never able to follow up or return the money. 

On XX/XX/2018, I got a claim number for the unauthorized transaition. On the letter, it stated that they will issue a temporary credit of XXXX while they conduct a research. I got the credit returned to me but they also said I was going to get a letter in the mail that needed to be signed to confirm the unauthorized transaction. 

On the second trip to the bank on XX/XX/2018, I told them that I neved recieved the mail and so they said they would mail it again. In the end, I still never got the letter in the mail. 

After multiple mulitple calls and in person convefsations, they told me to wait. Yesterday, XX/XX/XXXX, they told me that it is too late and they can not do anything about the transaction anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX original Creditor XXXX XXXX XXXX XXXXXXXX, Original Creditor # 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 a 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: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX off my credit score for a late Mortgage payment that happened when my mortgage company sold my mortgage to a new company. I disputed that to no avail and accepted the penalty. BUT NOW, EACH yr since the credit bureaus have taken another XXXXXXXX XXXX  from my credit score in tandem equaling XXXX XXXX, for the SAME LATE PAYMENT. That '' 's WRONG.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax about a collection item listed on my credit report from XXXX XXXX XXXX XXXX for a collection account reported for {$5800.00}, which was originally reported in XX/XX/XXXX as first opened in XXXX of XXXX and first delinquent in XXXX of XXXX. In this dispute I requested a copy of the original contract signed by me that resulted in this debt. I received a response saying that the collection item was verified as accurate but I did not receive a copy of the contract with my signature that substantiates this debt. It has been over 30 days since my dispute and request for this information.
Product: Student loan

SUBJECT : REGARDING ALL CONSOLIDATED FEDERAL LOANS OF STUDENTS, WHO, DUE TO THE NEW CHANGES, WILL BE MADE/FORCED TO RE-CONSOLIDATED ( ONCE MORE ), IN ORDER TO INCLUDE ALL FEDERAL SUBSIDIZED OR UNSUBSIDIZED LOANS TOWARD THE PUBLIC SERVICE LOAN FORGIVENESS. 

To Whom It May Concern Federal Student Loans, U.S. Department of Education On XX/XX/XXXX, the Chief Operating Officer of Federal Student Aid, Mr. XXXX XXXX " announced big changes to the Public Service Loan Forgiveness ( PSLF ) program ''. Reading through the changes, I noticed that although " changes will help me get the credit I deserve for serving my country '' as a XXXX XXXX there is one DISREGARD AND NO CONSIDERATION to students, who, at the time of their first original PSLF application APPLIED to CONSOLIDATE ALL THEIR LOANS INTO ONE LOAN, BUT WERE REFUSED TO INCLUDE THE FEDERAL ( UNSUBSIDIZED ) ( STAFFORD ) LOAN/s as NOT ELIGIBLE FOR THE PSLF PROGRAM. This is my case : when all my loans were consolidated by the FedLoan Servicing ( XXXX ) and eligible for the CONSOLIDATION toward the PSLF, my FEDERAL UNSUBSIDIZED STAFFORD LOAN was excluded and it is not elligible. Therefore, I will be made to RE-CONSOLIDATE once more, in order for my Federal Unsubsidized Stafford Loan to be PSLoan forgiven. This is not fair! With all of the above in mind, former students are appalled WHY, upon the NEW CHANGES, any former student who HAS ALREDY CONSOLIDATED HIS/HER STUDENT LOANS, WILL BE MADE to re-consolidate ONCE AGAIN HIS/HER LOANS into the Direct Loan Program by XXXX XXXX XXXX XXXX. The former student/s evidently applied for consolidation of his/her student loans at the time of first PSLF application, but WAS REFUSED TO CONSOLIDATE ALL LOANS by the order of the FedLoan Servicing, so the student could not get all credit/s for any of his/her federal student loans toward the Public Service Loan Forgiveness. THIS IS UNFAIR and discriminatory, and NO STUDENT, WHO HAS PREVIOUSLY WAS REFUSED CONSOLIDATION OF ALL FEDERAL LOANS, SHOULD BE MADE ONCE AGAIN TO RE-CONSOLIDATE TWICE THE LOANS before XX/XX/XXXX. Instead, the student who was refused the Consolidation of all his/her loans entirely into his/her Federal Loans during the period XXXX, MUST BE PROVIDED WITH THE WAIVER OF the new " FORCIBLE '' RE-CONSOLIDATION of his/her Direct Loan ( DL ) Program Loans. Subsidized and unsubsidized loans, made to XXXX and XXXX students will become eligible for PSLF Program under the new changes. Students should not be made to re-consolidate TWO TIMES their loans. Therefore, all Federal loans excluded from the PSLF must be COUNTED jointly with the consolidated loans, especially when this was the order of the FEDLOAN SERVICING at the time of the original PSLF application, which refused the inclusion of some federal loans into the PSLF Program.