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

I wrote XXXX, XXXX XXXX EQUIFAX requesting an investigation into items that are reporting in Violation of FCRA and FDCPA Regulation 's on my credit report. To XX/XX/year>, I have not received a reply from them pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracyTransport Services or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information to XXXX, XXXX XXXX EQUIFAX. I have responded again on XX/XX/year> and request that you reply within a reasonable amount of time. Since this is my 3rd request, I've made sure to also send a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. THESE INACCURATE ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY. 

XXXX. Validate this non XXXX XXXX compliant account. XXXX Account Number : XXXX XXXX. Delete this account because of potential HIPAA violation I did not give consent for my medical records to be given to a third party XXXX XXXX  XXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. XXXX XXXX Account Number : XXXX
Product: Mortgage

Green Tree the second lien holder for my home loan continues to be a stumbling block disallowing me the opportunity to take advantage of the HARP program and refinance my primary mortgage at a lower interest rate. I have tried to refinance XXXX times now. I applied this last time in XXXX of 2015 with XXXX, they have requested subordination from Green Tree, who charged a fee. XXXX XXXX paid the fee and have yet to receive the subordination requests despite several phone calls from the loan officer and myself. Today XXXX/XXXX/15 Green Tree informed XXXX XXXX that the request was canceled but could not answer why, yet they cashed the check. This seems unethical and unjust that the second lien holder is prohibiting me from taking advantage of the HARP benefits to include lowering my primary mortgage interest rate.
Product: Student loan

I am writing to file a formal complaint regarding my student loan account. My loans are serviced by Nelnet, and I enrolled in the SAVE ( Saving on a Valuable Education ) Plan, which was supposed to have 0 % interest accrual on unpaid monthly interest. However, despite being enrolled in this program, I have noticed that interest has accumulated on my account during the time I was in the program.

Details of My Complaint : 1. Enrollment Confirmation : I was informed by my loan servicer that my loans were enrolled in the SAVE Plan.

This program is supposed to ensure that no interest accrues on my account if my monthly payments are insufficient to cover the accruing interest.

2. Interest Accumulation : Despite this, I have noticed a significant increase in my loan balance due to accrued interest during the period I was enrolled in the SAVE Plan. 
I have reached out to my loan servicer multiple times, but they have either failed to provide an adequate explanation or have ignored the issue. 
3. Financial and Emotional Impact : This has caused unnecessary financial strain and confusion, as I trusted the terms of the SAVE program.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy XXXX 2016. I included a loan from Essential Lending/XXXX XXXX in my bankruptcy. The name was listed under XXXX XXXX as that is the name of the lender as it is listed on the loan documents I received after the loan was obtained. Once my bankruptcy was discharged this year I called the company several times about it needing to be updated on my credit report and I also directly disputed this account with XXXX. This account continues to show as a negative open account with a {$340.00} balance even after multiple requests to the credit agency and the creditor to get this account corrected. It is affecting my credit and causing me distress trying to get this updated.
Product: Mortgage

I have a 2 prong situation : My loan company is pursing foreclosure and is not adhering to the " Covid Guidelines '' and have set our loan to their foreclosure attorney,,, regardless that I have explained that we have been impacted first hand with several layers of " XXXX '' 1. both of lossed our jobs 2. we both contracted XXXX 3. we have ongoing and underlying issues XXXX and XXXX effected with XXXX sent this in writing also. 

2. I had no idea that this office existed to assist on protecting us in XXXX when SPS added over ( more than the actual loan amount ) XXXX XXXX in charges fees and ect on our original loan ... I only owed XXXX and now they tacked on making my balance over XXXX,,,, again being bailed out by the government and now double dipping and strong arming us back tacking more debt in order to keep our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS INDEED ME. I AM WHO I SAY I AM. I AM THE PERSON WHO WROTE MY LETTER I SENT TO YOU! I AM A CONSUMER AND I KNOW MY RIGHTS!!!! I SENT YOU MY ID AND PROOF OF ADDRESS AS WELL AS A COPY OF MY SOCIAL SECURITY CARD WITH THE CERTIFIED LETTER I SENT TO YOU THAT YOU RECEIVED. YET, YOU ARE CLAIMING THIS IS NOT ME!?! 

I AM RESUBMITTING MY XX/XX/21 COMPLAINT FOR UNAUTHORIZED US OF MY CONSUMER REPORT! 
YOU ARE COMMITTING VIOLATIONS AGAINST ME!!
Product: Checking or savings account

I opened an account at TD bank in XX/XX/XXXX ( I believe XX/XX/XXXX ) through a promotional link on TD Banks website. They were offering a {$150.00} sign up bonus for customers that satisfy a set of requirements provided in the terms and conditions. I opened the account through the link given and satisfied the conditions for the bonus, but never received the {$150.00} even though the payment deadline has already passed. I called the customer service, where an agent verified that the conditions were in fact met and confirmed that she does also not understand why the money wasnt paid and instructed me to call back in a few business days. After calling back today, I was told over the phone that my account has a comment added to it stating that my account is not eligible for the bonus. The way TD Bank operates this promotion is closer to a scam than a bonus offer and is completely ridiculous.
Product: Debt collection

hi I had a lease with the landlord for the year of XXXX, not XXXX and attempted many times to get one they refused to render me a lease for XXXX so i was paying month to month... tell them to render a XXXX contract also i had XXXX XXXX im the primary breadwinner i stay with XXXX XXXX so I could not work and fell behind and called and spoke in person notified the landlord i will pay in full also i found out they sold the property, but they agreed because the renters protection was in effect, but in good faith i will payed and got evicted they are snakes, also i spoke with their lawyer confirming that i will get evicted even i payed in full and paid a month in advance. then they gone ghost and gave me the cold shoulder so i called the bank, bank of america because they say call when theirs fraud... so i did .BOA.have my records. when i called about the situation and everything. and they denied my claim and im negative 12,000 i cant pay nothing and both are silent ask the bank to render that XXXX lease contract i will upload the documents please help i don't know how to move forward i'm in the streets with XXXX XXXX use the claim numbers each one is 3000 and one 600 to equal 12,000 the land lord name is 491 units XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen, i had all my credit cards in it ID, etc, I reported immediately on XX/XX/XXXX the company hires people that don't speak English and they couldn't understand what i was explain to them and they were keep sending out new credit cards to the scammers, and now it's on my credit report. I have reported on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and still, they don't hold scammers responsible, they are reporting me to the credit bureaus, for all 3 credit cards. If YOU LOOK AT MY HISTORY WITH ALL, MY CARDS, I ALWAYS PAY THEM IN FULL BY THE END OF THE MONTH I don't have the cards nor ever got a new one. What is there to do. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 received another late payment in my XXXX XXXX on a situation of fraudulent activities on XXXX account ending in XXXX XX/XX/23 called Barclays and they claimed account is closed and at XXXX balance they have no explanation on to why and receiving letters and late payment. I have another XXXX point in late paying I will like to be erased from my credit score. This is making my score go down XXXX points all points where clear in XXXX
Product: Credit reporting or other personal consumer reports

An XXXX XXXX in XXXX XXXX is on my credit report for saying that I owe XXXX XXXX $ and this is bull I was liveing at XXXX diff places during this time frame I made a police report and submitted to expire an and have disputed this over and over again with no help from expire and I have followed all proper protocol sent all the forms they have requested with no help
Product: Debt collection

XXXX and Experian continue to furnish a negative item on my consumer report. I have sent a certified letter to both parties requesting my wet signature on the contract that states that I will pay the debt that's in question. It's well past 30 days, I haven't received requested items. I demand deletion IMMEDIATELY!!! In the letter I sent it clearly state if XXXX Continues to report negative item after receiving the cease and desist letter, that damages are owed. I continue to receive a email from Experian that XXXX promise that the account belongs to me, but haven't sent the requested items. My rights have been VIOLATED 15 USC 1692 and 15 USC 1611. Also if account has been charged off, that debt has been paid which means the account is canceled. 18 USC 8. With the help of the CFPB I With move forward with seeking damages. I continue to be ignored. I will use all complaints with the CFPB to hold everyone accountable. Please see the attached letter that was sent. Account that's in question is unsecured loan opened on XX/XX/20, account number XXXX. Account number used in the letter was from XXXX, but letter was certified sent to XXXX and was received.
Product: Checking or savings account

I submitted a dispute with 5/3 for two checks that were fraudulently written and cashed from our homeowners account in XX/XX/XXXX. It is XX/XX/XXXX. During the holidays, I missed this while checking our HOA account. They are now saying because the dispute was placed 30 days after the related statement end, it's denied. I called the bank the second I received a letter from them that our account had been overdrawn, and am now being punished for waiting too long? It doesn't make sense. 

The Case ID I submitted with 5/3 is Case ID XXXX for a total of {$3000.00} ( two checks ). The first check was cashed on XX/XX/XXXX for {$1500.00} ( to someone named XXXX XXXX who I do not know ) and on XX/XX/XXXX for {$1500.00} ( to someone named XXXX XXXX who I do not know ). 

I do NOT know the people to whom the checks were written, and do NOT know the person who is listed as the return address on the checks. The bank was provided copies of both of these fraudulent checks.
Product: Debt collection

The company, Kramer and Frank PC have made an attempt to garnish my wages but have a specific representative tied to my account who will not return my phone calls, leaving me in a position of having just a few days before they attempt again to garnish my wages. I had previously worked a payment agreement out with Kramer and Frank and then one day roughly two years ago they revoked my access to their online payment site and ceased contacting me until last month when on XX/XX/XXXX I received a letter from my financial institution stating the above about wage garnishment. I would like to simply return to my payment agreement and continue to pay down my debt but they are using these tactics to extract more money from me.
Product: Checking or savings account

On or around XX/XX/2023 I tried to login to my Revolut bank account online and I couldn't. So I did what that asked me to do and talk with their customer service I did and I sent them all my info and selfie holding my id for them to verify it was my account they did and they told to wait 24 hours to reset my passcode I did and I still can't access my bank account. I have done all that 3 more times and no luck. I emailed them and asked if they would close the account and mail me a check for the balance of the account which is XXXX dollars and some change. They asked to verify my info again I did and they came back with talk to customer service again. It's been two almost two weeks of me sending and verifying my info and not being able to get my money. All I want is my money back from my account at the banking app Revolut. I just want the account closed and a check mailed to the address on my account so I can get my money. So please help me get this issue solved and to be honest shut down the banking app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( 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 third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Debt collection

Navy Federal Credit Union continuously transfer monies without approval or without a promissory note. Doing this, continually cause my vehicle loan to be in default. I am a XXXX vet, and this angers me, cause much anxiety, distress, as well as aggravating my XXXX. I keep every money order sent to the credit union as well as certified mail receipts. The credit union wrote me and told me that I signed a promissory agreement but I have not. Have mutliple illegal transfers form accounts that can be easily seen on statements. I notified them about this but they continued to do so. I would like to request an copy of the signed and notarized promissiory note otherwise I would like to take them to court for fraud, inappropriate transfers, and illegal practices. I received constantly harassing phone calls at least 5-10 a day in which I can prove via phone records. I receive these calls just about everyday after I have paid. Because of the inappropriate transfers from one loan account to another loan account caused my vehicle payments to be late and then later recieving threats of repossession. Before the illegal transfers, I would be a month or so ahead of payment. Now they are giving me until the XX/XX/XXXX of this month before repossession. These kind of practices are illegal and create XXXX, XXXX, and XXXX XXXX. Its a shame how this instituion abuse and take advantage of veterans.
Product: Credit reporting or other personal consumer reports

My problem is with EXPERIAN. I wanted to manage a freeze on my credit report in order to buy a car. I tried to sign into my Experian account but the login information I had was not accepted. I went through the flow of trying to recover my account several times using different pieces of information but none were accepted. I then tried to create a new account. I received the message " We're having trouble verifying your identity. '' I tried calling the number that was provided several times and was unable to verify my identity via the automated system. I found several other phone numbers elsewhere on the Experian website and had the same problem with those. No phone number had a live agent associated with it, even though I called during Experian business hours. I tried the online submission portal and submitted a copy of my driver 's license. This also did not result in any positive information. After over XXXX of trying, and after submitting my social security number and various other pieces of personal information via phone and online portal, thereby opening myself up to significant opportunities for fraud, I finally gave up. Note that my information is valid, as verified by successful account management on XXXX and XXXX.
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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, or personal loan

I obtained a loan from Springleaf who are now OneMain. I have had trouble paying the loan and the company offered no resolution. They have called and harassed me and to only solutions that they had included paying money that I do n't have or running my credit again. I spoke to XXXX at the XXXX location and was told that the late pays would be removed if I brought the account back current and he did not keep his end of the promise. This account is reporting a higher balance than what is owed on the account and OneMain is a loan shark. I can not believe that I am going through these kinds of changes with this company. I have tried to resolve the issue and have not been able to. I had my account switched to an office closer to me and the manager at the XXXX XXXX he talked to me like I was an animal. He said that he knows what " kind of person I am and his office is not going to tolerate that '' this company has made me feel less than human and are ruining my credit. I have not paid them because they have been deceptive and practices predatory loan antics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX ( Home Equity ) on my credit reports with Experian, XXXX and XXXX. 

I am including a copy of the following XXXX credit report, File Number : XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following Experian credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, Items as of date reported : XX/XX/XXXX. 

The XXXX report shows that the " Pay Status '' CHARGED OFF, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120  days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX is NOT reporting the complete payment history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my Experian credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX. 

XXXX XXXX XXXX  is NOT reporting the complete and accurate history, the Experian credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my XXXX credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The XXXX report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 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. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.
Product: Money transfer, virtual currency, or money service

I ordered XXXX  and concert tickets. I have text history with XXXX. He promised the XXXX would arrive on XXXX XXXX. Iphones are on back order so he said I would get it XX/XX/XXXX. I ordered festival tickets from him and he said he give me everything but XX/XX/XXXX. Still nothing. I contacted him he said XXXX get it for you by the next day. He keeps going around in circles. I contacted my bank and XXXX but they said there is nothing they can do. This person is a friend of mines so I trusted to XXXX them. I reported that he scammed me to chase and also XXXX but both companies responded with nothing they can do. I went to XXXX house to try to get my money back but he just keeps saying he will give it to me but no dates. Is there anything we can do to stop others from being scammed by this person? 


XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1300.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1800.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$1500.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : XXXX Amount of {$2000.00} XXXX try to call him everyday. He just keep pushing me off. I went to his house and his family blocked me from talking to him. I really dont know what I can do I really need my money back but there seems to be no way to get directly to him.