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

One Main Financial - Account : XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that One Main Financial failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) One Main Financial is reporting on XXXX.
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding late payments on my credit record. After examining my file, I noticed these late payment entries. I sent correspondence about this issue more than 30 days ago, but have received no response, nor has adequate validation been provided.
Product: Student loan

I was notified by XXXX XXXX XXXX that I had a student loan administered through XXXX XXXX ( XXXX XXXX XXXX XXXX ) This loan was serviced through AES which holds my federal loans. This was false as I never had a private loan, I only have federal loans. 

I contacted AES to ask for disbursement, debt verification and any other information in regards to this loan. I contacted XXXX XXXX XXXX XXXX to see if they have a record of my loan. 

XX/XX/XXXX, I filed an inquiry with XXXX and received a letter from XXXX XXXX stating that they will delete the listing from my credit profile due to fraud. It was deleted, however, the XXXX listing was on my credit file. 

XX/XX/XXXX I noticed that the XXXX XXXX XXXX  was on my credit report and I contacted them to ask for check disbursement, promissory note and a fraud packet. As I feel that it is a conflict of interest for AES to hold my federal loans and a fraudulent loan. They already have my signature on file and all of my information. 

I have not received a check disbursement. I did receive what appears to be a fraudulent student promissory note with crossed out information, jobs that I never worked at. 

I also filed a police report as well. I see that there is a class action suite settlement, how do I have my case considered
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a computer glitch that was TransUnion 's problem, not mines, that caused all of my inquiries to be deleted. I then noticed that TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them to my report. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I called on XXXX XXXX, 2017 at XXXX and on XXXX XXXX, 2017 at XXXX in dire need of assistance of getting this corrected. Both representatives were rude and abrasive and the second call on X/X/17 I asked to be transferred but was disconnected on after being on hold for a very long time.These inquiries add a hardship and that your rights were violated by TransUnion. I truly seek and ask the help of CFPB to help me in an effort to make TransUnion stop victimizing me.I do request a full resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these items a while ago about Vance Huffman Account # XXXX. 
After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned to my XXXX account and creating more harm to my report and current life-style. As per mandatory by the FCRA & 611 ( 15 U.S.C & 16811 ) its required that I am sent ( within 5 days ) a certification of accuracy and notice of the updated information associated with this debt from my credit report instantly!
Product: Checking or savings account

On XXXX XXXX, XXXX I opened a regular savings account with Bank of America. I asked what the minimum dollar amount was to avoid any fees. I was told it was {$300.00}. So I opened the account for {$300.00}. On XXXX/XXXX/XXXX, I received a statement with fees of {$5.00} each for XXXX, XXXX, XXXX, totaling {$15.00}. When I went to the bank on XXXX, I was told the reason I was charged fees was because the minimum for savings accounts increased from {$300.00} to {$500.00}. I never received a letter or email stating this. I closed my account and took the amount XXXX {$280.00} XXXX left after fees.
Product: Student loan

I have made a few payments that should have qualified for XXXX but they are saying there is no bill. One is being " reviewed '' but has been for the past 1.5 years. This payment was made XX/XX/XXXX in the amount of {$1900.00}. Another payment in the amount {$1100.00} made XX/XX/XXXX is marked as ineligible. I have attempted to get this resolved several times since filing the request to have them reviewed and each time I am met with the response that it is under review with no ability to delineate a time line. I should qualify for forgiveness in a little over a year and would like to get this handled especially with the looming Department of Education deadline of transfer of loans to another servicer.
Product: Debt collection

I recieve atleast XXXX calls and voice message alerts everyday from this agency to collect a debt for a cell phone bill. Even after I speak with an Agent I still receieve calls all day long. When I ask the agency they say that its their automated system. They say the automated systems calls XXXX times a day. The agency calls me from many different numbers some of which include XXXX, XXXX, XXXX, XXXX ... etc
Product: Credit reporting or other personal consumer reports

There is incorrect data on my credit report that is impacting my credit history. I did not authorize these companies to access my information. I am requesting for this information to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

CFBP, please investigate this company. I didn't consent to this company using or sharing my personal information with other companies. I didn't give them consent to my credit report either.
Product: Debt collection

I have one negative item listed on my credit. The account was originally for a " XXXX XXXX '' back in 2008. The account was paid as it should have been. I never heard anything from anyone until recently I inquired my credit reports and noticed that a delinquent mark was added for non-payment. This account was never in default or collections. The collection company that has claimed it is, is Jefferson Capital LLC. I have been going back and forth with them regarding this inaccurate item. I have sent numerous demands for validation regarding this account, which they have never responded to. I have also inquired with the XXXX credit bureaus and disputed the item that was listed on my credit. They came back to me with saying the debt was in fact mine, and that it will stay on my credit. I know the account was mine. That was never the item in question. The item in question was why they are reporting information that is not correct, especially after this account was paid in full and never went delinquent. After all my options were exhausted I contacted the Federal Trade Commission, only to find out that they company that is refusing to remove this negative mark has been sued by the FTC and lost. They were sued for unfair collection practices, and many more things. From what I gather by law, this is not supposed to be part of my credit, and needs to be removed immediately. Unfortunately I do not have any items pertaining to the payment of this account as it was over 7 years ago. I hope we can get this resolved, and removed from my credit. Thank you.
Product: Vehicle loan or lease

I have called Honda Financial in XX/XX/XXXX because Late payments is reporting on my credit, I dispute the negative items and they came off a month later. this account I am No longer financially responsible for this account & im also a victim of identity theft. And Again on XX/XX/2018 I check my credit again through XXXX XXXX & Honda financial is now again reporting negative items to XXXX & XXXX, ruining my credit status once again.
Product: Credit reporting or other personal consumer reports

This item XXXX is inaccurate because was paid off and it should be in good standing. I am requesting that this item be updated the payment history in good standing. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding updated payment history in good standing on the following account :
Product: Credit reporting or other personal consumer reports

When reviewing my credit report today, I was shocked and frustrated to see an unauthorized inquiry that I never approved. I check my report regularly, and this issue appeared out of nowhere. Thinking it was a mistake, I refreshed my browser, but the inquiry remained. This situation is completely unacceptable, and I need it fixed right away. I urge you to carefully review my documents and resolve this issue once and for all.
Product: Credit reporting

Years ago I had someone purchase a car with a cashier 's check. Car was gone and check deposited into my account at XXXX XXXX Credit Union. Few days later, money was withdrawn to purchase another car but found out later that the cashier 's check was canceled. Could not find the people so the car and the money were gone. I had lost my job and was unable to pay the debt to the credit union. They took it to small claims court and I had filed bankruptcy due to losing employment and divorce. Debt to the credit union has been discharged. I ended up moving to another state and tried to open a local bank account, but found that the credit union has me listed with Early Warning Services as a fraud user. I have several emails with the credit union explaining if I pay the debt they can release my name from the fraud list. This violates the terms of bankruptcy code as well as Fair Credit Reporting Act. I just would like my name off the list in order to open an account.
Product: Checking or savings account

I am having card issues, some errors, over draft fees keep adding, I had issues that ending up closing my account very sooner than I expected. I kept it believe 6 months but I had it from customer services, their errors, so I am glad I closed my account
Product: Checking or savings account

On XX/XX/2018 around XXXX XXXX, I deposited 2 cheques for {$200.00} each at a Chase Bank ATM in the city where I live and the cheques got stuck. They issued a temporary credit of {$400.00}. After 3 weeks I received a letter that since they could not find the cheques, they are reversing the credit. I called the XXXX-XXXX representative and the local bank and all they could do was apologize. They just advised me to ask the cheque issuer to send me replacement cheques. I deposit a lot of cheques and of course it is hard for me to trace who issued them. It is so frustrating and I am very upset about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOLDMANSACHS acces my XXXX consumer report without my auhtorization. I never gave this company authorization to access both XXXX XXXX  consumer report. I also send a notice of dispute for unauthorized credit inquiry through mail.
Product: Credit card

This is a continuation of Complaint ID # XXXX Evidently, CFPB has not contacted Indigo/Concora on my complaint because I have received a letter attached from them stating that they reject my dispute on my Account but they still show ( when I tried to make a payment right after this happened ) of {XXXX, they showed on the payment online that I owed XXXX plus a {XXXX} late charge. I did not pay that. As I showed to CFPB, I made both payments and the one through XXXX XXXX XXXX XXXX XXXX. The one from XXXX did not and I showed that the account is opened AND that I had funds in that account. But then I get this incoherent letter from Indigo/Concora stating that they rejected my dispute because a payment of {XXXX was returned from XXXX. ( They must mean XXXX} ) Which I showed that there was funds in the account and I had paid 6 or 7 other credit card accounts through that account. ( you have the statement ). Since CFPB is having difficulty understanding this transaction, can you have a Superviser call me at XXXX. 
Thank you, XXXX XXXX XXXX XXXX I had also attached in previous e-mail letter from my Attorney that it looked like to her that they were trying to extort additional fee income from an older person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft case going on they have made 28 inquiries, applies for payday loans, car loans. Etc etc
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Mortgage

We are requesting Mr. Coopers formal review and resolution assistance regarding a {$7200.00} escrow shortage that was disclosed shortly after they assumed servicing of our mortgage in XX/XX/XXXX. This shortage caused our monthly mortgage payment to increase dramatically from {$3900.00} to {$4800.00} without prior adequate notice or an opportunity to mitigate the impact. 

We understand that Mr. Cooper may not have caused this issue. The loan was previously serviced by XXXX Bank from XX/XX/XXXX to XX/XX/XXXX. During that period : - We received XXXX escrow analyses ( XXXX and XX/XX/XXXX ) projecting only minor shortages, the largest being just over {$540.00}. 

- Despite those projections, XXXX later disbursed significant sums : over {$3600.00} for insurance and nearly {$5000.00} for property taxes. 

- These disbursements far exceeded what had been forecasted, suggesting that XXXX significantly undercollected escrow payments for over a year. 

- In XX/XX/XXXX, XXXX conducted another analysis just before transferring the loan revealing a {$7200.00} shortage. 

- We were not informed of this shortage until the loan was already with Mr. Cooper. 

We have made every mortgage payment on time, including all escrow payments as billed. This situation appears to be the result of inaccurate escrow forecasting, poor communication, and failure to comply with RESPAs requirements for annual escrow analysis and timely borrower notification. 

We also submitted Qualified Written Requests ( QWRs ) to both XXXX and Mr. Cooper. Mr. Cooper responded in part by acknowledging receipt, but XXXX has failed to respond entirely or provide the documentation required by law. 

What Were Asking Mr. Cooper to Do : - Investigate the origin of the escrow shortage and confirm whether it was caused by errors under prior servicing. 

- Provide documentation that explains the timeline of escrow disbursements and how the shortage was calculated. 

- If mismanagement by a prior servicer is confirmed, work with that servicer or the loan investor to resolve the financial burden imposed on us as borrowers. 

- Offer any available relief, escrow credit, payment restructuring, or hardship options to mitigate the impact of a nearly $ XXXX increase. 

Request for Direct Financial Relief : Given the scale of the shortage and the evidence of likely mismanagement, we also respectfully request that Mr. Cooper consider covering the escrow shortage in full or in part, or facilitate a resolution with XXXXXXXX XXXXXXXX to do so. The borrower should not be held solely responsible for errors they did not cause and were never properly warned about. 

We are not placing blame directly on Mr. Cooper, but we do believe a fair resolution requires meaningful review and direct relief for the affected borrower. We appreciate your assistance and look forward to a substantive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act theis creditor has violated my rights under 15 USC 1681section 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 under 15 USCS 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

Company is still calling me, and my friends & family after receiving a cease and desist notice.
Product: Credit reporting or other personal consumer reports

This vehicle was sold by XXXX after finding out that the vehicle that was sold to me had a faulty engine and was not worth the repair. The company informed me that they would sell the vehicle at auction if I brought it back to them because it was beyond repair. I brought the car back and was told this should not affect me. I got a letter in the mail a few months later stating that the car had indeed been sold. And that I was good to purchase a new vehicle with them.
Product: Credit card

XXXX credit calls from Home Depot, XXXX XXXX, and Best buy.
Product: Debt collection

Collection company reached out few mi ths ago and told me about this debt. I told them that I had XXXX XXXX and insurance so why I'm getting g billed. I did not get any notification of anything owed. I also reached out to my insurance company and they are saying no one reached our to them to pay. I provided my insurance company information to collection company. Now no information no reach out. They report to my credit report and hurt my credit I called them they are saying they don't have any information no statements no contracts no bills. Just that I owe XXXX dollars. I asked repeatedly to validate the debt. They say no. They could offer a discount. And me to pay this bill. Repeated calls over the whole day XXXX to 5 times a day. Please remove everything from my credit
Product: Credit card or prepaid card

Approximately one year past ( XX/XX/2021 ) I purchased a service from XXXX XXXX XXXX to assist me in selling or dissolving a time share. They suggested they had the means to so and I agreed to place {$4900.00} on a Barclays credit card. XXXX XXXX was unable to assist me and I filed a dispute with Barclays for a charge back. The claim was incorrectly filed under fraud instead of no benefit of service and we received the funds back from Barclays. On the next billing cycle the amount appeared again explaining I had entered into the transaction willingly and was not fraud. I agreed and reminded them I had filed the complain as a no benefit. Barclays then let several months transpire without addressing the issue and now suggests too much time has passed for them to remedy with the vendor. I have tried in vain to work with Barclays but they suggest there is nothing they can do. I have tried working with the company but they are not answering my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved away from my old address in XX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it  doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.
Product: Mortgage

XX/XX/2019 My loan transferred from XXXX to NewRez then later to Shellpoint. XXXX reported negative escrow and NewRez/Shellpoint continues to take fees that are undisclosed named OTHER out of my escrow and I pay my payments well over the taxes that are to be paid from my escrow yet there is never ever enough money to cover my XXXX annual taxes. I call repeatedly and rarely get a response, each rep has a different name for the ( other fees ). I have written notifications and rarely get a response. I have even asked for my escrow account to be removed since I have well over 20 % equity and always paid my taxes until XXXX changed it. However I am told I can not remove escrow. Calculations never match mathematically. EVERY SINGLE YEAR. The math does not add up. They do nothing to fix it. Always say I am short in escrow. ROBBERY ALSO always ask for condo insurance over and over and I provide it over and over and over and they still take money from escrow. Once they credit money back it is never the amount to bring escrow to the balance needed for my little {$450.00} property tax payment. I pay XXXX to escrow times 12 months is more than enough for my property tax. YET it is always short every single year by hundreds of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation.