23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has systematically violated numerous rights and protections afforded to me by law. The following is a list of violations that have gone unchecked and committed with the knowledge and intent to qualify as a crime under most statutes. 15 U.S.C. Subchapter I 6801 ( a ) - The extent of the number of times this law has been violated by Navient ( XXXX XXXX ) encompasses years. The fact that the discussion is not of a singular violation but an egregious disregard for this law over the span of years is unconscionable. 15 U.S.C. 1692c ( b ) By making contact with a party or parties not authorized to have access to my account through letter, phone call, or otherwise 15 U.S.C. 1692d Sending notices addressed to a deceased family member, to my personal address, after being notified of their death 15 U.S.C. 1692f ( 8 ) -  By sending envelopes that specifically state, Important information about your student loan '' which notifies people that a debt is being collected. 15 U.S.C. 1692k ( a ) ( 1 ) - Actual damages sustained are greater than the balance of the loan. Through higher interest rates, inabilities to get credit, or emotional distress causing me to miss work. 15 U.S.C. 1692k ( c ) - Liability can easily be established through the records of years of letters sent to an unauthorized individual based on ( 1. ) a denied loan application, or ( 2. ) an unauthorized phone call held between a representative of Navient ( XXXX XXXX ) and the individual not associated with the account.
Product: Mortgage

Flagstar Bank has taken nearly every payment that was sent and misapplied the funds. 

With every payment, we have sent an overage that we have directed to be applied to principal. However, Flagstar has routinely applied these funds to future payments, guaranteeing itself additional interest beyond our goal of principal paydown. We have been given various excuses and workarounds, even as the company has noted that it has fixed the issue each month. 

Most often, we have been told to send the check after the due date, as a check arriving even one day before the due date is not treated as applying to that due date. While we haven't heeded this advice and have sent every check to arrive on or slightly before the due date, I do note that the XXXX payment yielded a late fee ( later reversed ) because Flagstar inappropriately assigned the principal overage to the month of XXXX from the check sent for the XXXX payment, resulting in no payment recognized for the month of XXXX despite the check arriving slightly before the due date. For this most recent payment in XXXX, our check arrived on XX/XX/2023, and the overage was still applied to the month of XXXX instead of principal paydown. 

After more than a year of Flagstar 's repeated misapplication of funds, I no longer believe that this is accidental. I must call for a correction every single month ; these calls will be noted in Flagstar 's records. Because these errors, if left uncorrected, benefit Flagstar in the form of additional interest, I must raise the concern that this activity is not negligent but rather fraudulent. 

No other mortgage servicer we have had has had this issue. As a result of this issue, I have had to spend many hours on the phone with Flagstar. These calls have resulted in promises of ongoing resolution, but the issue is ongoing.
Product: Debt collection

i have mailed this company to get a XXXX & it's reported on my account that was written off and haven't heard back and it's been over 30 days time frame. If this isn't off my credit soon i'll take legal action if needed. i called asking how much debt i owed them and was told it has been written off and they couldnt fix the problem
Product: Credit reporting or other personal consumer reports

I have contacted Experian and let them know I am a victim of Identity theft. Experian is committing fraud by refusing to remove the XXXX XXXX charge off account that is a result of identity theft. I have provided experian an FTC report as required and proof of my ID. Experian is required by section 650B of the fair Credit Reporting act to remove this fraudulent account. Experian came back requesting my last 2 year addresses and utility bill in order to block the information, which I provided. However they still refuse to delete said information. Experian is not standing by the regulations. This account was opened fraudulently when my entire identity was stolen. I have also filed a fraud dispute with the FTC.
Product: Credit card

I was 3 days late paying my bill and was charged {$150.00} in interest and a {$29.00} late fee. American express waived the late fee but not the interest charge. The interest charge posted 2 days after they received the late payment. When I looked at the next month statement I was surprised to see another interest charge of {$70.00} when I believed I had paid the bill in full. I chatted with a person or chat bot to get the late fee reversed but they made no mention I need to 'over pay ' or I would continue to be charged interest. I had not idea how much I owed or how much to pay. My compliant stems around missing XXXX payment causes up to 2 months of interest charges. This seems excessive and usury. Additionally, if you take the days I was late and annualize that rate they are charging it is absurd.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. I have requested verification and validation of these fraudulent accounts from Equifax and the companies in question and have yet to receive anything.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of OPORTUNPROG  ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.

Having ignored my attempts to validate the account was the necessary certainty to file this complaint in which I request the removal of this account that is presenting issues affecting my credit score and should be removed as the information supporting it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted info to all three bureaus advising of accounts that we not mine and should be removed. The accounts have since then been clears from my reports except from Experian. In a recent report mailed to me from this company I see a XXXX  and XXXX XXXX accounts show on there and both of which are not my accounts and needs to be taken care of properly. The two accounts on my report is making it difficult to grow credit wise
Product: Debt collection

I originally had a title loan with XXXX XXXX of XXXX, AL in XX/XX/XXXX. On XX/XX/XXXX, when I made my payment to the store where I originally received the loan, I was told the next month my payment would be due at a different location, XXXX. When I started getting calls, I did not recognize the number and out of 7-10 received between XX/XX/XXXX and XX/XX/XXXX, I was left two messages that simply said " XXXX, please give me a call at XXXX '' with no other identifying information. On XX/XX/XXXX, I called the number back at XXXX, found out who it was, explained that I was leaving to go out of town, that I would be back on XX/XX/XXXX and I would be in as soon as I returned home. On, XX/XX/XXXX, my mother called me to tell me the title place was looking for me, I needed to call them, etc.. I called XXXX again at XXXX, explained I was still out of town, I had already made a payment arrangement, etc. I offered to make the payment while on the phone with my credit card and was told they could only take debit card payments over the phone. On XX/XX/XXXX, I received another phone call around XXXX, again I explained that I was out of town, that I had already spoken to two other people, and ask that they have their manager call me. On XX/XX/XXXX, at XXXX, the store manager XXXX called to tell me I was getting repeated calls because my account was late, her employees weren't authorized to make payment arrangements after an account was 5 days late, she didn't know who I spoke with because their were no notes on my account, I gave her the dates and times of when I had spoken to someone, and she said ( quote ), " okay, well there's no notes on your account so I don't know who you talked to but they can't make payment arrangements over the phone after your account is five days late. '' She proceeded to tell me that she didn't know how XXXX operated but her store didn't work that way, I needed to come in to make sure I understood how they operated, and again, I offered to make the payment over the phone, and she told me she didn't do phone payments at all, but to make sure I didn't break my payment arrangement. I have proof of dates and times when I spoke with their employees and first, they continue to call five times after my initial arrangemnt, they call my reference after my initial arrangement, and the manager basically calls me a liar when I tell who I spoke with and when.
Product: Checking or savings account

XXXX ( XXXX ) XXXX This company will is telling me they will fix my access to my Citizens Bank account. I dont have one. Its a scam!!
Product: Credit reporting or other personal consumer reports

inaccurate information on my credit report regarding my XXXX XXXX account. As of XX/XX/year>, my XXXX XXXX account was paid in full and carries a XXXX balance.
Product: Credit reporting

I contacted XXXX XXXX on a closed acct closed on XXXX, XXXX, 2011, that i was a co signer on and i asked that the negative be removed from my credit because it was causing a hardship. They said they were keeping it for XXXX years. I would like this removed the loan was paid off and it is causing my family a hardship.
Product: Credit reporting or other personal consumer reports

Inaccurate dates on payments, was guaranteed my payments back after XXXX year and never received them, after my year contract was up they continued to report
Product: Credit reporting or other personal consumer reports

This was my 27th compliant that I was a victim of identity theft and this is another request to remove the accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any items not later than 4 business days after the ( XX/XX/XXXXXXXX  ). Ive already included this report in my previous letter & I am including it again. Also, the information the Bureaus provided on these accounts were UNKNOWN to me and were REMOVED from other bureaus and I have doubts about the accuracy. Please see below the items for REMOVAL : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the companies, XXXX, XXXX, & XXXX violated the FCRA. I am requesting that the credit reporting agencies removed the fraudulent, incorrect information from my credit report. As soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing an erroneous bankruptcy that LexisNexis has been reporting on my credit report. On XX/XX/2019 and on XXXX XXXX, 2019 they received a copy of my dispute via U.S.P.S priority mail confirmation. LexisNexis failed to investigate or respond to my dispute. According to the Fair Credit Reporting Act, they had 30 days to investigate. They failed to investigate. This item must be deleted.
Product: Checking or savings account

XX/XX/XXXX - I changed my phone number within my Discover Bank Account online. I received the confirmation email and when I attempted to access my account again it stated that it was locked and to contact customer service. 

I spoke with someone at Discover who informed me that I needed to accept a phone call verification and relay the code to Discover. I successfully obtained the verification code which the Discover employee confirmed was correct. The employee then proceeded to inform me that I needed to submit a photo of my government issued ID or passport along with a photo of my face. 

I told the employee I was not comfortable doing so to which they explained there is no other way. They decided to discontinue helping me and would not assist further in rectifying this situation. I asked to speak with a supervisor which was not granted and I was disconnected, presumably due to my XXXX when I was attempting to rectify this instance. 

I called back and was transferred to the security department to which I asked to speak to another supervisor. I was again denied and told someone would call me back on XX/XX/XXXX to which I have yet to receive a call. 

I am not comfortable allowing companies and their third parties access to images that can be sold and used for fraud. Discover has continual data breaches and does not protect it's consumers or their privacy.
Product: Mortgage

I received my mortgage payment coupon from Ocwen and its now {$150.00} more a month so I called Ocwen Financial and they said I am short on escrow since XX/XX/2013 so they added it to my payment starting this month. I was told by the previous lein holder XXXX that you can not have a shortage for more than 1 calendar year. My present taxes and Insurance have not hanged significantly so I do n't get it?? There is no increases in any of the taxes and homeowners Insurance an there has n't been so how can they justify this increase?? They told me if I dont pay the new amount they will start foreclosure against me. I only owe {$67000.00} on my mortgage with them and I think they are trying to steal my house because its worth a lot more. Back a few months ago I was struggling and asked Ocwen to send me hardship info and I think that 's what started this whole process working against me.. I have seen on consumer affairs page about a man having same issue with Ocwen so beware they might be trying to grab others houses too. XXXX XXXX XXXX XXXX FL
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Improper Credit Reporting by XXXX, and Equifax Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies XXXX and Equifax for improper credit reporting practices that violate the Fair Credit Reporting Act ( FCRA ) requirements. The issue pertains to adverse remarks placed on my credit report by XXXX XXXX, which are maliciously recorded and do not meet the legal standards set forth in the FCRA. 

Specifically, my credit report contains the following remarks from XXXX XXXX : " Charged off as bad debt '' " Charged off account. Account closed by credit grantor '' " Account information disputed by consumer, meets FCRA requirements. '' These statements are inaccurate and misleading, as they do not comply with the FCRA 's definition of what can be reported. According to Section 603, Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

Per business law, the term " transactions '' is defined as events associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract. A " charge-off '' is a transaction related to a contractual obligation between myself, the consumer, and XXXX XXXX XXXX Therefore, reporting this information is a violation of the FCRA, as it pertains solely to the " transactional '' relationship between myself and XXXX XXXX and should not be included in my consumer report. 

I believe that this erroneous reporting is not only a breach of my rights under the FCRA but also has caused unjust harm to my creditworthiness. I respectfully request that the CFPB investigate this matter thoroughly. I also ask that the credit reporting agencies remove these adverse remarks from my credit report in a timely manner to correct these inaccuracies. 

The inaccurate information has negatively impacted my credit score and my ability to secure credit on fair terms. Immediate action to resolve this matter would be appreciated. 

Thank you for your attention to this complaint. I look forward to a prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that information on my report is being reported inaccurately. I have 19 accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with equifax. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, equifax, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud
Product: Mortgage

I was laid off XX/XX/XXXX, filed with XXXX for forbearance and was told that monthly payments would be put to the end of my loan so when the forbearance was over that my monthly payment would be lowered and that the that amount would be added to the end of my loan. During the forbearance my loan was transferred over to Flagstar Bank. Since The forbearance has ended in XX/XX/XXXX, have a job and get paid XXXX weekly and my wife XXXX a month chilld support. We can not loose our home we are a family of XXXX. We would like for our forbearance to be added to the end of the loan as promised.
Product: Credit card

Fraudulent transactions occurred on my extended credit card for 7 charges from the one hotel booking website ( XXXX ) on XX/XX/year>. A fraud alert was raised and the credit card was cancelled, 6 of the 7 transactions were removed from my account except for one. I called 4x at different dates to resolve the last transaction that I was charged fraudulently, but after talking to the supervisor on the 4th call ( lasting at least 20-30 min per call ), all the previous calls done prior were actually not in the system. Every phone call I made, I always asked for confirmation and/or emails for proof that I called to resolve my dispute, but I never received confirmation code for the calls nor email. The {$210.00} + charge remains on my account and I was told that it would remain that way until 2 billing cycles from the 3rd time I called. Hence the 1st 2 phone calls were useless.

Why would a customer take the burden for paying a fraudulent charge when I have made several attempts to address it? Why would I be responsible to pay it while the investigation is ongoing?

Why I never received confirmation such as email or text about telephone encounters done many times to resolve the issue?? The level of difficulty resolving problems with this credit card is incomparable to any credit card company experience I had and I always pay full every month without miss. It is very frustrating.