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

In accordance with 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 BANKRUPTCY 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.
Product: Credit card or prepaid card

I received a {$30.00} rebate card from myprepaidcenter.com on XX/XX/2019 and it had an expiration date of XX/XX/XXXX. I called the company on XX/XX/XXXX and they said the funds expire when the card expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TransUnion about inaccurate information on my credit report. To date, now 45+ days, they have failed to send me any notification about the status of my requests to verify and/or remove the inaccurate information.
Product: Credit card

I paid my bill on XXXX XXXX later that month I got a notification that I had not paid my bill. This has happened in the past and its always caught up to the payment that I made this month it Didnt. they charge me {$25.00} even though it had already been paid, they did take that off supposedly but they still are making me pay a double payment for XXXX and the payment for XXXX showing a {$25.00} minimum. I paid twice the minimum payment of {$50.00} in XXXX on XXXX XXXX. This seems to me to be unfair practices, double charging the customer on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for borrowers defense thru the department of education. It was approved in XX/XX/2023 and refunds were sent out. Along with getting a refund for money paid towards these loans the loans are to be deleted from my credit report. I've contacted Navient directly multiple times by phone and email they refuse to delete the loans on my credit report. They in fact started emailing me demanding payment after I submitted my approval application letter. They call me every other day demanding payment as well. I tried to dispute it thru credit reporting companies and they still refuse to delete it. They've now added comments to my credit report stating the loan is accurate and it's in deferment that's now messed around with my credit.
Product: Mortgage

On XXXX/XXXX/XXXX I initiated modification proceedings in good faith with BOA. At this time I was receiving at least one call per day, including Saturdays. I also was told in the paperwork and in phone conversations that I would have a single point of contact which turned out to be several individuals who would continue to harass me XXXX to 4 time a week. Having completed and submitted paperwork which included a 3rd party questionnaire where I, being new to this, stated that I have had contact with a third party counselor and could seek their help if it would be beneficial to my cause. On or about XXXX/XXXX/XXXX I received the street comp valuation of my property. I soon found out that a trial offer had been submitted and when contacted by BOA was assured that I did not have to make payments til XXXX/XXXX/XXXX. Being right before XXXX and having been reminded every single time I was contacted that there was a notice to accelerate foreclosure that expired on XXXX/XXXX/XXXX, and that they did not need to give me any further notice to foreclose on my property. Being under this duress and the financial strain from a loss of income from our small business and my wife needing XXXX on XXXX/XXXX/XXXX which delayed her taking a job til XXXX I indicated I could accept their offer which apparently came through the Streamlined FHA Mod Program. My complaint is thus, I was not informed of the particulars of the modification except for the details of XXXX trial payments of {$630.00} then 6.75 % ( the rate on the current 30 year mortgage ) and for a term of 40 years. I still do not at this point know exactly what they will be financing, what fees they will expect me to pay and how charging me an extra {$40000.00} in interest makes this affordable. I was told that being that we were in financial distress and qualified for the modification my credit score would not be used to determine any of the parameters of the modification.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX, Great Lakes told me that my student loan payment was jumping up from {$270.00} a month to {$560.00} a month because I made a few thousand dollars more than the year before. That would be the payment under income-based repayment. I called and asked why my payment was almost doubled considering I only made a little more than the year before, and no one could give me a good answer. I asked if there were other options, and they said that I could pay {$5.00} to apply for the PAYE program. While this was going on, I had also hand-written a XXXX-page letter explaining that I could not afford a $ XXXX monthly payment, asking for a reconsideration of this amount. I faxed them this letter and mailed it to them. When I called again to check on the status of my application, I was told that I was not eligible for the PAYE program. I asked why I was made to pay a {$5.00} application fee if I was never eligible. I did n't get a good answer but was told that I could apply for the REPAYE program to get my monthly payment down. To make a long story short, I keep getting emails and letters that my income-based application is in process and that my $ XXXX monthly payments will begin on XX/XX/XXXX. I have called them probably a dozen times by this point to ask again and again for the status of my REPAYE application, and I keep getting the run-around. Every time, it 's a different story -- '' We need a paycheck stub. The application is still in process ( after several weeks ). Your payment will be {$560.00} a month. '' I have given them all of the information they need to make a decision on my REPAYE application, and yet it always seems to be in process. I even asked to speak to a manager last time who said she would make a note to rush my REPAYE application, only to get another email from them about my income-based repayment. I 'm tired of constantly calling them and getting the run-around. I feel like I am being pushed to make a payment I can not afford -- a payment which has no justification based on my income -- or pushed into forbearance where my interest will continue to compound and accrue. I am trying to pay off my student loan in earnest. I need a straight answer from them with regards to my REPAYE application. I need a lower monthly payment than {$560.00}. I 'm not sure where that number comes from. Can CFPB help, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on MondayXX/XX/XXXX at XXXX XXXX XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX   3. After a few weeks I received notification as " UPDATED ''
Product: Student loan

I have been advised multiple times by my loan servicer that I will not accrue any interest during my administrative forbearance but Ive received an email from MOHELA today ( XX/XX/year> ) stating that I will be accruing interest during my forbearance term.
Product: Credit reporting or other personal consumer reports

XXXX not liable for this debt with XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, being consumer reporting agencies, and I, as the Consumer, have the right to ensure the non-disclosure of my private information, in accordance with 15 USC 6801. 

15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent whether verbal or written to furnish this information. Any and all alleged consent to XXXX, Experian, XXXX XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' However, [ Furnisher of information to credit agencies ] failed to inform me of my right to exercise my nondisclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. '' 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
Experian are not maintaining reasonable procedures. 
Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Unauthorized Credit Inquiry and Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the unauthorized inquiry placed on my credit report by your company. Your company pulled my credit report on XX/XX/year>, and added a hard inquiry under XXXX, yet no credit was ever extended to me. This unauthorized action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violation : Under 15 U.S.C. 1681b ( f ), you are legally required to have a permissible purpose to access my credit report. Since no credit was ever extended to me, you did not have legal grounds to pull my credit report, and your inquiry was unauthorized. As a result, you have violated my rights under the FCRA, and I am entitled to {$1000.00} in statutory damages per violation under 15 U.S.C. 1681n.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all the needed documents as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

I trade in my Apple Watch series 6 for Series 7 On XX/XX/XXXX Apples receive my series 6 watch for the trade-in on XX/XX/XXXX I receive an email from Apple stated I must unlock my Apple Watch because it is locked am fine my phone I called an text them on XX/XX/XXXX to tell them my watch is not lock to my phone either send pictures of it that is not lock to my phone They stated theyre going to send a report to the trading department on XX/XX/XXXX they sent me a topic to do on that app that I must accept or reject their offer for the Adjustment I see no adjustment price than the {$210.00} that what them Stated that I going to get so I call in On XX/XX/XXXX to ask the representative if Im seeing right because everyone knows when you see a adjustment you should see a price near to it r what it going to be adjusted to the one on of that so the representative told me I must go ahead and except because shes only seen the {$210.00} now Apple want to play game by sending an email to my phone stated that my trade-in is XXXX dollars and they can take my brand new watch I want to know where is the fairness in that one and Goldman Sachs is sitting on the sidewalk line do not want to do anything I watch Apple charge me {$220.00}
Product: Credit reporting or other personal consumer reports

3rd Request : I purchased my XXXX XXXX on XX/XX/XXXX and traded my XXXX XXXX the same day. XXXX XXXX has denied the dealer payments for the XXXX XXXX XXXX times that caused to have negative items on my credit. I disputed with XXXX in XXXX and they corrected the matter and I would like the same for TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent XXXX XXXX XXXX a debt Validation letter. I received and unsigned response stating a Debt amount of {$0.00} dollars. Since this letter XXXX XXXX XXXX have added negative and inaccurate information on my credit report. In addition to I was never provided full disclosure on any documents at the original of this so called " Loan ''. Pursuant to Chapter 15 USC 1681 ( a ) ( 2 ) ( i ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition to pursuant to 15 USCa ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15 USC 1681 is the same as it is under 15 usc 1602 ( I ) which is the term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor or credit '' Notice Congress said ANY card. This is the credit card I used to originate this consumer transaction. This should be removed from my consumer report pursuant to 15USC 1681a ( 2 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility that these all items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items that verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX A XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} 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 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: Student loan

Chapter XXXX bankruptcy was filed in XXXX XXXX. Navient was one of several creditors notified of the filing. On XXXX XXXX, Navient reported to the XXXX major credit bureaus, XXXX, XXXX, and XXXX from XXXX - XXXX XXXX. In XXXX, they reported it as 90 days past due with the addition of 30 days up to and including XXXX which has me at 240 days past due. I 've had several conversations with Navient reps and have filed multiple disputes with Navient and through the credit bureaus. On XXXX/XXXX/XXXX, I spoke with two floor supervisors XXXX and XXXX. Both informed me that I would need to speak with New York XXXX XXXX XXXX XXXX XXXX ( XXXX ) to have them make the necessary updates in their system to reflect the bankruptcy back to XXXX XXXX so that they, Navient could reverse the negative reporting filed since per Navient, they do not have jurisdiction to remove the erroneous reporting because XXXX has to make updates to their system, in turn Navient will mirror their report. XXXX/XXXX/XXXX, I contacted XXXX, and spoke with a gentleman in the collection department, he informed me that Navient does have the jurisdiction and ability to reverse their report to the credit bureaus and that under the bankruptcy guidelines, they should not have reported the account as delinquent. XXXX rep shared that there is nothing that they can do on their end to reverse the negative reporting because it was Navient who was reporting to the XXXX bureaus monthly despite the bankruptcy notice. When I contacted XXXX, they directed me to you, the Bureau of Consumer Financial Protection for assistance. I am requesting assistance with having these two entities work together to have the late payment, past due payment, and balance amounts corrected with all three credit bureaus as soon as possible as reporting should not be made to credit bureaus while in bankruptcy.
Product: Debt collection

Ive requested that AES/NCT stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with National Collegiate Trust If NCT holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

National Collegiate bought and securitized student loans. These securitized notes were then sold to debt investors. National Collegiate then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

National Collegiate also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, NCT does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by National Collegiate and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following AES/NCT accounts removed from my credit report : AES/XXXX Bank account number XXXX. 
AES/NCT - account number XXXX. 
AES/NCT - account number XXXX.
Product: Credit reporting or other personal consumer reports

Bank Mobile is furnishing inaccurate information to XXXX XXXX XXXX. XXXX XXXX has been notified that the information is inaccurate and due to fraud that has been being reported and is a direct violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies which states : Reporting information with actual knowledge of errors 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. 

This account was created due to fraud and not my authorization. It is affecting me opening an account at other banks.
Product: Credit reporting or other personal consumer reports

I respectfully ask you to quickly take steps to eliminate the fraudulent accounts from my credit report.
Product: Mortgage

Reference XXXX. You closed the complaint even though I told you I had not received a response. As of XX/XX/XXXX, I have not received a resolution letter from Nationstar ( DBA Mr Cooper ). They said they sent to me. Please send it to me directly. Given the overall lack of communication from Mr Cooper, I have zero trust that they sent a response.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX XXXX since XXXX of XXXX. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds soon. Thank you and Godbless.