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

In Accordance with the Fair Credit Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXXXXXX # XXXX, Account : XXXX XXXX # XXXX 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 reporting containing any of the following items of information any other adverse items 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

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I began to receive calls at XXXX. When I pick up there is no one on the other line. I called back today from my office phone and was greeted by a lady named Sue. I did n't get her last name. The conversation was cordial at first. She told me she was calling for XXXX and she wanted to collect on a debt. She asked me if it was ok for them to continue to call me on my cell. I told her not if they are going to be continuously calling me. She told me that if I " knew how to pay my bills, I would n't have them calling. '' I hung up on her called back and spoke to a supervisor. He came to her aid and said that she has been working for the company for a while and they have never had a problem like that with her before. She was very nasty and rude.
Product: Consumer Loan

I took out a vehicle registration loan some months ago. My intention was to work for a couple of months to pay it off. However I developed some health issues that prevents me from working and now I do n't have the income to get ahead of this loan. I am being charged 180 % interest and can only maintain the balance at around {$650.00}. It is not a huge sum but for me it is impossible to pay off. What can I do?
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was in a mortgage refinance process with Finance of America, LLC. Near the end of the process, a separate company offered me a much better interest rate and significantly lower closing costs on a same term ( 30 yr. fixed ) loan. I asked my loan officer, XXXX XXXX, if there were any penalties or policies against me terminating my process with Finance of America. He assured me there were no fees and no laws against cancelling the process. As a result, I decided to end my process with Finance of America. During the initial loan process with Finance of America, I made a payment to Finance of America for {$440.00} for an appraisal of my house. Finance of America refuses to transfer this appraisal to my new lender company. All that is required of them is to email a release on company letterhead to my new lender, which has been requested several times by myself and my new lender. Requests were made to XXXX XXXX, XXXX XXXX, and XXXX XXXX. There are no laws, rules, or regulations in the mortgage industry preventing this and after some research I learned that nearly all lenders will perform this service when requested. As a result of Finance of America not transferring my home appraisal to my new lender, I am required to purchase another home appraisal at an additional {$440.00} cost to me.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach. I have also had an ex use my information before without my knowledge. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Checking or savings account

On XX/XX/24, I received a text message from a number claiming to be wells fargo asking if I had authorized a transfer through XXXX. After replying with the number 1 that I did not authorize this, I was then called by the same XXXX number by a person claiming to be a Wells Fargo representative. They then walked me through steps that were supposedly to help protect my account, when in reality I ultimately wired them {$1000.00} through XXXX from my wells fargo checking account. Wells Fargo denied my claim, telling me that they do not cover wire fraud since i initiated the transfer when in reality I believe that Regulation XXXX should cover me for this since I was contacted by these individuals and the scam was initiated by them. Since this happened, wells fargo sent an email to all of their account holders explaining this scam, which tells me they have known about it for a long time.
Product: Debt collection

Loan until payday so unreasonable with my loan nothing but rude and make excuses
Product: Student loan

Recently, I began suspecting that I was a victim of a fraudulent loan after I noticed that since XX/XX/2013 when I began repaying my loan not a single XXXX of my payment went to the principal. I'm on the Income-Based program so my monthly payments changes consistently since my income has also been changing since. 
I emailed Fedloan Servicing, which is my servicing loan company, to get a clarification as to why every single monthly payment that I've made since has gone straight to interest. I emailed them about a month ago or so and up to now I have not received any response. I emailed them because I wanted to get their response documented. 
I feel that I'm being set up so I'll never pay off my loan and I'll be in debt for the rest of my life or even beyond. I've struggled making my payments so I've found myself deferring my payments a couple of times. And, since my loan balance is high, the interest that I accumulates and capitalizes is very high. So, since not a single XXXX of my payments have gone to the principal my debt keeps getting higher and higher. Please help!
Product: Checking or savings account

Ive contacted chime to let them know I had fraud on my account in within minutes was denied. I then sent information to support like a police report, pictures that I was in the hospital at that time and they said wait 45 days. I contacted them sooner and within two days said I was denied again and everytime I ask for the paperwork nothing is on it but no error occurred. I just want me money at this point. Please help.
Product: Vehicle loan or lease

Kia Motor Finance mailed checks refunding to me three of my on-time payments and then falsely reported me to credit agencies as having made late payments. 

I mailed to Kia an official dispute ( see attached ), and rather than correcting their error, they denied my dispute ( see attached ).

Kia changed my account number without explanation or reasonable notification. Kia did not notify me that they would reject payments to the old number. Kia included with the refund checks no explanation as to why they were sent. Kia did not simply forward my payments through their accounting system to the new account number.

Kia 's telephone support personnel repeatedly asked me if I had traded in my vehicle or initiated some kind of change, and I informed them I had made no change whatsoever. They commented that such a change in account number is unusual. The fact that they all regarded the change as unusual, after having had a great deal of difficulty even identifying their changed number as the cause of the problem, highlights that Kia caused the problem.

If a problem occurs, and Kia is even SLIGHTLY at fault, I would hope they would not blame me. While I wish I had detected the changed number on the bills and intervened to change the apparently crucial account check memo number on my XXXX  XXXX XXXX electronic check payment, in this situation, Kia was not slightly at fault, but LARGELY at fault. 

Even if the fault is debatable, it gains Kia nothing by refusing to retract their adverse credit agency reporting against me, and may lose me as a customer forever. In spite of being repeatedly told by their phone representatives Kia would waive late charges, late charges are still appearing on my bill. 

See attached documents for dates, addresses, and evidence from Kia 's own web site for received payment dates.
Product: Checking or savings account

I have Navy Federal. I have been with them since 2018. During this time of being with Navy Federal I have been charged time after time through out the years. I have been charged {$1000.00} 's of dollars due to these infractions. I am having a hard time understanding if the bank controls the flow of money in or out, how can I ever overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EQUIFAX ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling XXXX  and EQUIFAX to remove this inquiry. Also attached is proof these companies are still reporting this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX , Experian and   XXXX   to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.
Product: Money transfer, virtual currency, or money service

I have requested PayPal to close additional accounts they have opened under my name, which they have refused to. It has been more than a year in the complaint management. 

I have asked PayPal to clear their statements and to verify the accuracy of the itemized transactions, they believe and wrote in letter statements that their billing is without fault. More than one merchant has confirmed refunds which appears as an unpaid charge to my account. 

I have asked PayPal to verify the amounts of monies they have transacted directly via ACH or other instruments to attain monies from non-PayPal accounts, they said that I have not paid. I have confirmed with more than one savings bank that they have charged to my account via direct and immediate debit charges they considered credit card transactions.
Product: Student loan

On XX/XX/XXXX, I submitted complaint number XXXX with current student loan servicer Aidvantage. 

The core issues are that : In XX/XX/XXXX, I submitted a request through studentaid.gov to enroll in the income driven repayment plan ( SAVE ). These were received by US Dept of Education and by Aidvantage ( on XX/XX/XXXX and XXXX XXXX respectively ). 
I was placed on XXXX XXXX when I raised my previous complain because interest would continue to accrue ( although not capitalize ). 
I requested a resolution to my situation- confirm my placement on SAVE plan, confirm payment, take me off administrative forbearance, and waive interest during administrative forbearance. 

Case was closed on XX/XX/XXXX with company response of : " A noninterest capitalizing administrative forbearance was processed on XX/XX/XXXX, while your Income Driven Repayment ( IDR ) application was reviewed. In an administrative forbearance, interest does accrue but will not capitalize on your balance. In general, when an account is in a repayment status interest will accrue and will not be waived per your promissory notes... Your IDR application was processed on XX/XX/XXXX. '' Company took MUCH longer to process the application and accrued several thousand dollars of interest during administrative forbearance opportunistically and in DIRECT VIOLATION OF FSA and DEPARTMENT OF EDUCATION DIRECTIVES. 

Attached is a memorandum signed by Secretary of Education XXXX XXXX. Aidvantage 's response is a direct violation of the FSA recommendation and Department of Education Authority to " Remediate Potential Harm to Borrowers Caused by Repayment Servicing Errors ''. 

On page 5 of the memo, it states under the section Lost Interest Subsidy " If borrowers on the SAVE plan can not make a payment because servicer... placed them in administrative forbearance these borrowers will lose out on any potential interest subsidies for that month. The remediation for this is to ensure these borrowers ' balances do not increase due to interest while their monthly payments are being recalculated '' On Page 5/6, it states " Pending your approval, FSA intends to instruct servicers to :... Ensure affected borrowers effectively do not accrue any interest while their accounts are being corrected '' On Page 10, it concludes " FSA recommends that the Department use the Secretary 's compromise authority to adjust any interest accrued for affected borrowers while their accounts are being remediated. The memo also requests approval to grant credit towards IDR and PSLF for borrowers were taken out of repayment status and in an administrative forbearance to resolve these servicing errors. '' The memorandum was approved and signed by XXXX XXXX. 

Aidvantage 's response demonstrates a blatant breach of the Department of Education / FSA memo and opens up significant risk of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, if Experian pegs this complaint a duplicate, I will take this a step forward. I disputed my XXXX account 8 times for incorrect info ( terms ). All 8 times I sent the original signed contract only for the error not to be corrected. Filed CFPB complaint and per their response, they said they had reason not to believe it was me ( don't know how being I sent a picture of myself holding the letter that would eventually be sent ) and told me to resubmit the info. This time I submitted it with a notarized letter AND the original contract. This needs to get fixed immediately or more extreme measures will be taken ( legal ) and I will seek every fine due to me. Experian, delete this XXXX Account immediately. You want the contract AGAIN, please view the other complaint where I sent it.
Product: Credit reporting or other personal consumer reports

I sincerely appreciate the effort you've dedicated to ADDRESSING some of the fraudulent items in my file arising from an alleged identity theft. However, there are still ITEMS remaining that require attention. Once again, I find myself a victim of identity theft, prompting this request to ELIMINATE the ITEMS from my credit file linked to this alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than 4 business days after XX/XX/2023. This matter has been previously addressed in my earlier communication and is reiterated here with a new FTC REPORT # XXXX. The information you provided on these items is UNKNOWN to me, having been REMOVED from other bureaus, and I harbor doubts about their accuracy : -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX - XXXX XX/XX/2023 -- -- -- -- -- -- -- XXXX XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter still has not been resolVED. PLEASE REMOVE THIS INACCUARET LATE PAYMENT
Product: Debt collection

the CBE Group trying to collect on a cable bill. I hve in my posession FROM THE ORIGINAL creditor, XXXX aka XXXX, showing a balance owed by me as XXXX dated XX/XX/2018. I have no contract with CBE Group, nor was i made aware of ANY sales of my information to this group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with eXXXX/Experian on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but XXXX still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that XXXX reached out to them and they told them my account is closed. It has been over 45 days and XXXX still has the open account on my record. The XXXX score is XXXX points lower than the XXXX score. XXXX is currently blocking me from locking in an interest rate. XXXX is unfairly keeping my score low when the other credit reporting agencies show a higher score. XXXX says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told XXXX XXXX accounts were closed. XXXX has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is showing incorrect addresses for me that I never resided or inaccurate addresses. The addresses that are not mine are : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX 2. ) XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX 3. ) XXXX XXXX XXXX XXXX, XXXX, La XXXX
Product: Credit reporting or other personal consumer reports

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Certified letter was sent to National Credit Adjusters XX/XX/scrub>XXXX XXXX requesting validation that is competent evidence that I had some contractual obligation to pay the company {$510.00} along with my wet signature and ID verification. National Credit Adjusters responded XX/XX/scrub>XXXX XXXX by updating the balance to {$0.00} instead of completing removing the collection account from credit report as I requested in the letter mailed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with TransUnion Friday and told them I must have been a victim of the inquiry issue they had I have over 70 unknown inquiries on my report and they would not remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following : XXXX XXXX XXXX  - account ending in # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 15 U.S.C 1681 section 602 A states : I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions