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

I called XXXX to inform them of my mortgage not being report to experian, the mortgage is reflected on the other XXXX credit reporting agencies. They sent me correspondence detailing the call. Fast forward 90 days later the account still isn't on my credit report so I sent another correspondence and called them to inform them. They sent a letter stating that the account had been resubmitted to Experian.
Product: Student loan

I filled out the School Misconduct Application from Navient for a loan taken out when attending the XXXX XXXX XXXX XXXX XXXX XXXX. I qualified for Borrower Defense under the XXXX v XXXX XXXX. ( WHICH MEANS I MET FEDERAL STANDARDS FOR INSITUTIONAL MISCONDUCT ) Navient denied the application despite all the public information available about what these colleges were doing. Their response is not an acceptable one considering I linked a U.S. Government Accountability Office report on for profit colleges that included XXXX XXXX XXXX XXXX, The Justice Departments case against XXXX, XXXX XXXX XXXX XXXX XXXX and Whistleblower testimony regarding XXXX XXXX at XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a medical bill in collections through Allied Business Services in XXXX, MI. I used their website to set up a payment plan for the amount for a 6-month period. When you do this, it asks you to select the date that you want the payments withdrawn from your bank account on a pop-up calendar. I chose the XX/XX/XXXX of the month. After doing that you hit the submit button and a confirmation schedule comes up on your screen for the split amount and the dates that it will be withdrawn from your account ( ex. X/XX/17,  X/XX/17, etc ). Instead of taking the money out of my account on the XX/XX/XXXX, they took it out of my account on the XX/XX/XXXX causing me to be overdrawn. I chose the XX/XX/XXXX of the month purposely because I get paid on the XX/XX/XXXX. When I called, they said that it 's probably my bank pulling the money on the XX/XX/XXXX and not the XX/XX/XXXX, which does n't even make sense. I requested to be transferred to another person and she refused to refund me the {$64.00} overdraft fee because she said there was no error, and I had authorized the system to take the money from my account. Their system is faulty and pulling the money when it should n't be, and I do n't think it 's right that they can do that when I authorized it to be withdrawn on the XX/XX/XXXX.  They owe me the {$64.00} for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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: Checking or savings account

Chase called me with a wrong fraud alert. When I didn't recognize the ( wrong ) charge, they locked me out of my account, and when I called them hung up ... despite me waiting. 

They shouldn't have the right to lock me out w/o warning. They should at least try to reach me. I have a bunch of bills due this weekend & I will get more late fees if I can't enter my account in time. 

All of this because they raised a false alarm
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been ruthlessly targeted by identity thieves, and I am filing this formal complaint to address the outrageously fraudulent information infesting my credit reports. It is important to note that the following items have absolutely no connection to me, and I vehemently declare that I have neither benefited from nor authorized any transactions involving them. The XXXX, XXXX, and Equifax Credit Bureaus have displayed a shocking disregard for the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by recklessly perpetuating unverified information without presenting any semblance of proof within the legally stipulated timeframe. This relentless and unauthorized reporting is an intolerable violation. Provided below are the specific items currently polluting my credit reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} 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. As an afflicted consumer, I assert my unequivocal entitlement to accurate and just credit reporting. Regrettably, it is abundantly clear that the credit bureaus have flagrantly failed to fulfill their obligations in this crucial matter. The presence of fraudulent items on my credit report not only tarnishes my credit score but also severely hampers my ability to secure much-needed credit opportunities.
Product: Debt collection

I am writing to file a formal complaint regarding a collection accountS labeled XXXX/BRIDGECREST XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

I revieced a notice dated XX/XX/22 I then sent a email to get more info, I then sent a letter. I revieced the notice in the mail XX/XX/22, the letter states that I had time to respond. I checked my credit report on XX/XX/22 and they had put it on the report. That's not fair.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. I was informed from XXXX  that I was effected by the data breech. Now this false information is showing as a charge off which is NEGATIVE on my consumer report.

15 USC 6801-protection of nonpublic personal information ( a ) it is the policy of the congress that each financial institution has an affirmative and continuing obligation of respect to the privacy of it's consumers and to protect the security and confidentiality of those consumer ' nonpublic persona ; information ( b ) furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection , shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records : and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvienence to any customer.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate. 
Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency. 
Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information. 

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt. 

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting agency123. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer12.
Product: Vehicle loan or lease

I tried to apply for financing for a vehicle was denied. Which is a violation of 28 USC 3002 ( 3 ). They also violated 18 USC 8 all debts are obligation of UNITED STATES. They also violated 15 USC 6803 they ran my credit without written consent. They also violated XXXX cfr XXXX, XXXX cfr XXXX my signature was the credit. They also violated 15USC 1605a they said i need a down payment. they also violated 12 cfr 1002 I the consumer made an credit application in good faith but no credit was issued. They also violated 15 usc 1692k there was no equal opportunity. all these are violations of the consumer bill of rights access to basic goods and services. By me filling out a application it also created a fiduciary obligation with the trust it was in my best interest. by denying me that was XXXX XXXX XXXX XXXX XXXX XXXX ) which is a violation of 18 usc 3333. I feel these violations are a violation of my civil rights under 42 usc 1983,1985, 1986, 1988 and 18 usc 245, and 242.
Product: Credit reporting or other personal consumer reports

I have two inquiries on my XXXX credit report that I DID NOT authorize. 

They are : Wells Fargo XX/XX/2024 XXXX  XX/XX/2024 I have disputed this with the original creditors and wish for these to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Between XXXX -called in in response to a letter received requesting supporting documents via mail, per the letter this was considered a dispute and the collector should be collecting in the mean time until they provide what is being requested. 
-early- mid XXXX called in to check on the status of the requested information and was told it was mailed out XXXX received a bill instructing me to pay {$25.00}, I told the last agent that when I started making payments, once the debt was verified providing what I requested I could afford that much but wasnt going to pay until I received what I requested. 
XXXXcalled and left a message to find out again where the requested proof was XXXX-called around XXXX XXXX XXXX in response to a voicemail returning my message from XX/XX/XXXX and got a rude agent who tried to collect the debt that shouldnt be collected on until they provide what I need, agent also blowed in the phone and told me to chill out while I was trying to explain and told me the agent that I needed to speak with was on another call and shed call me when she was done XXXX-called around XXXX XXXX XXXX to reach the agent that was unavailable on XX/XX/XXXX and got a rude agent who talked over me and tried to collect the debt that shouldnt be collected on until they provide what I requested This as honestly been a complete nightmare and although they are debt collectors I have been trying to reach a reasonable solution only to get rude agents and no information. This is unfair and is against the law. I have the right to dispute the debt and request support and theyve failed to provide it and my HIPAA rights have been violated by the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Product: Mortgage

Let me tell you I am not well educated on mortgages 1 interest rate was increased dfrom that first time offer 2 after final approval they extended that loan to loose my Rate extension, and past my dwellingins, trying to push avoid my contract.

3 they trying to avoid to take my XXXX dollars down payment. 
Loan officer XXXX XXXX told those XXXX need to put after my My first payment toward interest. Record of this call exist 4 then XXXX XXXX yell and try to stop my loan Then he told that differences on my mortgages With XXXX dollars Down will be only XXXX dollars a month, record of this call.

5 they have been pushing this loan over the date to make my rate expire I do really need help with these people.
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, have violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Mortgage

I started a HELOC application with Bank of America at the end of XX/XX/2024 and as of today XX/XX/2024 they keep giving me the ran around and wasting my time. I gave them everything they requested on time and due to their lack of competence the application kept going from the processor to the underwriter back to the processor and back to the underwriter for almost 3 months. I asked them by email on Thursday XX/XX/XXXX to close the loan by Friday the XXXX or withdraw my application because it was too frustrating. The processors manager called me Friday to tell me that they couldnt close because they found out that they have to pay a loan that I have with good leap which I dont have to start paying until XXXX. After 3 months hes gon na tell me he just discovered yet another issue that is going to prolong the process. You can imagine my frustration. Also they kept contacting my employer 3 times to verify if Im still employed. At this point I honestly believe that they dont want to lend money to people in certain zip codes. That is what prompted me to contact you and see if there is a fair lending violation of some sort. By the way my credit score was XXXX when I started the application, I have XXXX plus in equity and make XXXX a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an MGRS - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to AES and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an MGRS to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an AES Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XXXX XXXX..Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.
Product: Mortgage

Seretus a loan servicing agency does not have sufficient internal systems to deal with non-standard situations. I am appointed XXXX in a family case. The agency has not been able to understand my position. I want them to send a matter to their Legal department. After time was spent sending them information, they acknowledged they could speak with me, I had the social, and the loan number from their documents, but then insisted I state the original names -apparently the full middle name- of the mortgagor. I had not been informed of what information I would need in my earlier conversations with them. I contacted the parties, so with additional delay I was told they do n't remember what name was used, but I am going to try again with the middle names. I appreciate their need to protect the information they have. This problem with probably arise with executors and other parties, there needs to be a path way for people with legal rights to the information to find it.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX Chase has waived a monthly {$12.00} service fee for my checking account. 

However in XX/XX/XXXX they were unable to waive the fee due to excessive waivers. 

I downgraded account so it's XXXX/month. Or waive it completely until I find stable employment. 

Please force them to waive the {$12.00} monthly service fee for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the XXXX for XX/XX/XXXX and XX/XX/XXXX. 

I understand it takes a couple of statement cycles for it to be in effect.
Product: Credit reporting or other personal consumer reports

There are too many inquires on my consumer report that is there without my permission. TransUnion has XXXX inquiries, XXXX has XXXX and XXXX has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.