23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I spoke with a representative on XXXX XXXX, 2015. His name was XXXX and his ID # is XXXX. I called to make a payment on the account. They would only take my checking account number. I gave him the routing number for my bank - XXXX XXXX XXXX and my checking account number. XXXX. This is the same account number that I have given to other companies to take money out my account and to have money put into my account. I have had this checking account for over 10 years. XXXX even game me a confirmation # of XXXX. I noticed on a correspondence and my checking account that the payment was not processed. I called today on XXXX and spoke with rep ID # XXXX who originally told me that the payment was rejected on XXXX for NSF, I explained that could n't be true because I am looking at my account and there were funds in my account on the XXXX, how could you verify a checking account in XXXX hrs, and that I did not have any NSF fees from my checking account. He placed me on hold a little longer and then he came back with the excuse that it was n't the XXXX payment it was my XXXX payment that was rejected, I said that was not true because the XXXX payment is showing on the automatic system when you call in to my account and it was also a bank transfer - guaranteed funds. He placed me on hold again and then this time he said it was rejected on the XXXX because my bank said it was the wrong account number. So, I called my bank with the Ocwen rep on line and that credit union rep confirmed that the account number and routing number XXXX gave on the XXXX was correct, but maybe Ocwen can try putting a XXXX before everything, due to Ocwen 's system XXXX. He said he would try but if it reject again he would charge me another NSF fee. I explained that the XXXX XXXX would need to be credited to my account and due to OCWEN system issue I should not be responsible for any fees. He said no I am still responsible. There is also an {$110.00} fee on my account that XXXX on XXXX could not explain what it is for and that he said will stay on my account until the Maturity date and will not effect the principal or interest or negatively effect the account,.
Product: Mortgage

Submitted loan application with Bank of America for Home loan of credit on XX/XX/XXXX. 
I received call next on the phone i provided next day that loan application is accepted but will take up to 6 weeks to assign loan offices. I uploaded all required documents and called customer service to confirm that all required documents are uploaded. 
Customer service at that time confirmed that all required documents are received and complemented me for timing and accuracy. Called to check status after 5 and 6 weeks and keep getting same response, officer is still not assigned. Finality my wife got call on XX/XX/XXXX to give call back at XXXX extn XXXX but after working hours. 
Left several messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no reply. 
Finally on XX/XX/XXXX XXXX picked up the phone and informed that application is closed with the reason that they couldn't reach us and some missing documents. XXXX was very rude and bad manners. Left a message for his manager awaiting call from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continuing to report inaccurate information on my consumer report, and defaming my character, and ruining my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a 4th payment on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a settlement amount with the company to close the account. I made the payment at a local branch the next day and was not able to get a letter to confirm my settlement was paid off and I had a zero balance. I contacted the customer service the following business day and requested my letter to be faxed. I was told i had to wait 10 days for the payment to post then i would get my letter. After calling several times to follow up i requested my letter be faxed on XXXX/XXXX/XXXX and specifically state i have no pending payments, a zero balance and the account was settled. after not receiving a fax 2 days later i called again and was told it could take up to 7 days to receive the fax. Once received on XXXX/XXXX/XXXX the letter does not state i have settled this account or have a zero balance which is what was requested several times during this waiting process.
Product: Student loan

My loan servicer, Nelnet, changed the interest rate on my fixed student loan without any justification or prior notification and without any wrongdoing on my part. I have contacted them several times since XX/XX/XXXX asking for them to investigate and correct, but they have not. 

My loans and account were opened with them ( # XXXX ) in XXXX. Since that point, the interest rate has been 0.375 % fixed. As recently as the XX/XX/XXXX statement, the interest rate shown was 0.375 %. Then, suddenly and without any notice or wrongdoing on my part, Nelnet generated a statement on XX/XX/XXXX that drastically increased the interest rate to 2.000 %. This account has been on auto-debit for years and no changes have been made. All payments have been made timely ( e.g. {$190.00} via auto debit on XX/XX/XXXX, {$190.00} auto debit on XX/XX/XXXX, {$210.00} auto debit on XX/XX/XXXX, etc. ). Nelnet has provided no justification or reason for increasing the rate. This is in breach of the terms of the loan agreement and is a fraudulent change.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 7 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of XXXX  yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. I no longer have a lien on this vehicle. I own this vehicle free and clear. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX XXXX, which is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to XXXX XXXX XXXX, Equifax nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These XXXX and XXXX have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. Experian as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is misreporting a balance due to XXXX and Equifax for an old mortgage that was closed already.
Product: Credit reporting or other personal consumer reports

They are reporting information that is outed and reported the wrong dates
Product: Debt collection

They are reporting stuff to my credit that isnt mine. One is for a XXXX XXXX bill and they told me well maybe identity fraud. But refuse to give me any type of information on said account
Product: Debt collection

In XX/XX/XXXX, Portfolio signed for a returned receipt letter ( please see attached ) on XX/XX/XXXX. Per FCRA REQUIREMENTS they are to mark my credit report as being disputed ( Section 623 ( a ) ( 3 ). Portfolio did not do this, ( please see attached ) They have broken the law and per regulations they are REQUIRED to remove and stop all collecting attempts. CFPB is there to protect and serve consumers rights as you can see they did brake this law!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally complain about TransUnion 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my credit score.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), TransUnion is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my credit report : XXXX : 30 days late XXXX : 60 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that TransUnion provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Debt collection

I have provided documentation to the credit bureaus and XXXX has not removed this debt after I have requested a letter of validity of the debt with Fair Collections with my signature
Product: Credit card

This dispute is about the charge of {$7200.00} from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I went to the XXXX office for a consultation. At the Spa, I was diagnosed with XXXX and quoted a XXXX XXXX of {$7200.00} for XXXX XXXX XXXX. I picked the XXXX date of XX/XX/XXXX and paid for the XXXX in advance the day of the consultation using the carecredit card. The cost of {$7200.00} for the service of XXXX XXXX XXXX XXXX scheduled for a XXXX date of Fri XXXX XXXX XXXX can all be seen in the document entitled XXXX agreement. After learning of some deceptions by the provider, I cancelled the scheduled XXXX and asked for a refund. I cancelled the XXXX on XX/XX/XXXX and submitted a dispute on the same day to carecredit when the provider refused to give a refund. The fair credit billing act ( FCBA ) or 15 U.S. Code 1666 - Correction of billing errors defines billing errors as including a reflection on a statement of goods or services not accepted by the obligor or his designee. I did not go in for the XXXX XXXX XXXX As previously stated, I cancelled the XXXX which was planned for XX/XX/XXXX on XX/XX/XXXX so I did not accept the service. Therefor, the payment of {$7200.00} for XXXX XXXX XXXX XXXX as seen on my statement constitutes a billing error. I will not be making any payments whatsoever to finance a XXXX I never had and I do not intend to keep up with dispute claims any longer. Let this serve as notice of my refusal to service this debt which I do not owe. While the provider asserts that I intended to pay for the XXXX in their letter, I did indeed ultimately cancel the XXXX. I.e. I did not accept the service. The onus will be on carecredit and the provider to prove otherwise. In a previous reply to my dispute, carecredit asserts that their records indicate that services were provided to me. In this case that means their records indicate I went for the XXXX and did it. They have provided no evidence to me thus far for why they would make that assertion. 

I have also begun making plans to have my XXXX done with a different provider who does accept medical insurance and is not a scam artist like the folks at XXXX medical and Carecredit seem to be. Im attaching a summary of my recent visit to her where she clearly notes that I still have XXXX called XXXX for female XXXX XXXX in this case. I.e. that I have not undergone the reversal XXXX I was charged for.
Product: Credit card or prepaid card

I paid my card off and went to use it and it was declined. I call rightfully angry cause I paid the entire balance off. They said they were reviewing the and holding it to make sure it wasnt fraudulent. I was XXXX and told them to unfreeze my card I paid it off and it was already pulled from my account. Then they closed all of my accounts says the phone call is the reason why. Thats XXXX XXXX now they hurt my credit and destroyed my chance of being able to buy the house I was getting ready to purchase. They cant just destroy peoples credit and opportunities to buy a home because someone cant provide customer service correctly. This is not right at all and they still owe me money that they havent paid me. I want my money and them to correct their mistakes immediately.
Product: Student loan

My student loans were forgiven pursuant to XXXX XXXX XXXX XXXX in XXXX of XXXX. I received a message, an email and the Mohela website reflected a {$0.00} balance on my account. This was not reported to the major credit bureaus and my credit report shows that I still have an outstanding debt of {$230000.00}. My credit score is significantly impacted by this and I can not get a loan for a home. 

When I now go to Mohela 's website, my account no longer exists and I am unable to obtain any documentation to prove my loans have been forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft, Ive sent FTC report to both Equifax and XXXX. The following account doesnt belong to me. Please see attached copy of FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED ACCOUNTS THAT ARE NOT MY ACCOUNT WITH EXPERIAN ALMOST 5 TO 6 TIMES THEY HAVE FAIL TO REMOVE THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX oXXXX XXXX XXXXn accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. 

XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by XXXX in XXXX
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$380000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank, XXXX XXXX XXXX has incorrectly assessed payments and is reporting my payments late in my credit report. I am not late and this should be corrected forthwith. It cost me thousands of dollars more on my new lease worh XXXX bank. I will sue Chase Bank for damages caused to me as a result. This needs to be corrected as my other vehicle is due for return.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

DEPT OF ED/AIDVANTAGE AND CAPITAL ONE never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Credit reporting or other personal consumer reports

I am writing this to help remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries.This unauthorized action is a violation of my rights under FCRA 604 and my right to privacy. Please contact the companies responsible for these inquiries and remove them immediately for non-compliance. The FCRA requires that the Experian and XXXX to follow up with the creditor. 
The following inquiries were not authorized for any permissible business purpose and should be revomed .XXXX XXXX XXXX XXXX XX/XX/year> XXXX AXXXX XXXX XXXX XXXX CREDIT UNI XX/XX/year> XXXX XXXX XX/XX/year> Also, please include in the removal this inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

A.R.M. representative called my boss at home and yelled at her, threatened to " ruin '' her personal credit for an office debt that we do not consider to be a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act, this company has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Sction2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.