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

Parties Involved : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, IL XXXX Account Number : provided when requested Date open : XX/XX/XXXX Balance : XXXX Despite several written requests to Equifax, XXXX and XXXX XXXX XXXX, the unverified item listed above remain on my credit report in violation of Federal Law. 
XXXX XXXX XXXX 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 Equifax and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I have contacted XXXX XXXX XXXX multiple times and was inform that my information DID NOT match what they had. Yet my social is tied to an account which I never retain services from and the debt was sold to a debt buyer so they are no longer responsible.I was informed they no longer have the account in dispute YET they still keep reporting as accurate to CRA 's even when requested documentation of validation was sent to them ... .. I receive no response As stated I wrote Equifax and XXXX of their method of verification and I received no response. 

Pleased help me!!!!!
Product: Credit card or prepaid card

A credit card for XXXX XXXX XXXX, through Synchrony Bank, continues to not send me paper statements, even though I have not signed up for paperless statements. I know this because Synchrony seems to be the only bank that denies customers the right to view a pdf file of their statement unless they sign up for " eStatements ''. I have sent multiple internal messages to Synchrony trying to resolve this problem. I have not received paper statements for four months, nor can I reprint a statement. Internal responses to my messages claim that there is a " temporary hold '' on my account, for an unknown reason. There have been no other attempted purchases on this account by me or any members of my family. This account also has a deferred interest plan, so if I miss a payment, or do not pay the balance off on time, they will charge me interest. I feel like this is an ongoing attempt by Synchrony for us to miss a payment and charge us fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX 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

Equifax is reporting an authorized user account that is not mine that needs to be deleted from my credit report. The account number is XXXX
Product: Debt collection

I purchase a vehicle 8 years ago and 2 days later it broke down, I returned the vehicle back to the second hand dealership and they gave me back my deposit. Now, a lawyer for their finance department which is Lobel Financing is garnishing my paycheck of {$290.00} every pay check. I am single mother and my rent is {$1900.00}, this has caused me to be short on my rent each month. My children are young and I am not able to get a second job nor can I afford a babysitter. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for credit cards and applied for an auto loan and they were only supposed to use their company but ended up showing multiple other companies on my credit report such as XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX
Product: Debt collection

I had an unpaid XXXX bill of {$76.00} from 2014 from an address that I had not lived at since then. Since I did not live there, I did not receive any mail about the collection of the debt. Unknowing to me, it was sold to a debt collector, " Stellar Recovery '', and although they claimed to have attempted to contact me, I did not learn of the debt until applying for a credit card. In the time Stellar owned the debt, they claimed to have called me but I never received any voicemails or no consistent phone calls from any XXXX number. Once I contacted them, they never notified me of any right to dispute or any other option besides paying the debt in full. I did this but then was told by my banker that I should ask for a Pay to Delete option. When I called back I was told that they were not able to do this but after further research I learned that they could. The Paid in Full is still negatively affecting my credit report. I am a XXXX XXXX XXXX who just XXXX with little knowledge of the collections process and thought that Stellar Recovery 's handling of the situation was criminal in that I received no legal info about my options besides paying the debt in full.
Product: Mortgage

After several years of stalling, Shellpoint Mortgage Servicing finally agreed to execute a deed in lieu of foreclosure. The deed in lieu was recorded on XX/XX/XXXX and the mortgage satisfaction was recorded on XX/XX/XXXX by the XXXX County ( NY ) clerk. After several calls and letters to Shellpoint, they are still unwilling to provide documentation that confirms the closure of my account, to correct the information on my credit report or to provide a XXXXfor tax purposes. This includes several calls I made requesting a status, and most recently emails on XX/XX/XXXX & XX/XX/XXXX and a letter that was sent ( and tracked ) to several recipients on XX/XX/XXXX.
Product: Consumer Loan

I was attending XXXX XXXX XXXX when it closed it 's doors XXXX XXXX, 2016. I started school XXXX XXXX, 2016. In order to go back to school I had to take out a loan through the school for around {$13000.00} at a 12 % interest rate. I thought that this loan would be divided up and distributed per semester, like Federal Loans are. I found out after the school closed down, that they released the entire amount to the school the end of XXXX. Because the school closed down and I had not completed my first term of school, I receive nothing. No grades, no credits, no transcript. Now the loan company is saying that I ow this {$13000.00} loan back to them. I took out that loan for an education, XXXX that I will not be receiving from the school that money was paid too. How can they expect me to owe that money if I am not getting anything in return for it? I have called ASFG and they have told me that they do not report to credit bureaus and that no other school would see that loan. Now that myself and other students have stopped paying the installments on this loan, they are threatening to report on our credit. I need help with having this loan cancelled as the school is in breach of contract with me. At no fault of my own, am I unable to finish out my education with XXXX XXXX XXXX, so therefore I feel they broke the contract on this loan and I should not be held responsible for paying any monies back.
Product: Credit reporting or other personal consumer reports

Because of the recently social security leak Ive been trying to log into Equifax but it doesnt not work. When you try to call they just pass you from agent to agent and dont fix the issue
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.

I told XXXX, Transunion, and XXXX  to reinvestigate these accounts : Account name : XXXX - XXXX & XXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Ever since I started paying off my student loan, I haven't stopped making payments as its been set to auto deduct on a monthly basis. 

However, Navient has claimed whenever I try to change or signup for better payment plans like IBR, it has caused my student loan payment benefits to be cancelled when its a flaw with the their system. 

I've only taken loans for two schools and the benefits were originally all the same until I needed to adjust payment plans from day one. 

Benefits : Auto Debit Benefits Interest Rate Reduction The most troublesome of all the issues are because the loan lender keeps selling my loans to different lenders as well. So the terms existing with the prior loan lender could never be revisited easily because the information gets archived. 

Example : I graduated college a semester late. The loan lender and the school never followed up with each other to confirm that I was still in school an extra semester. XXXX who was originally the loan lender charged me a {$500.00} insurance penalty with it was an administrative error between them and the school. I had followed up with the school but XXXX never refunded me the penalty. By the time, I was able to revisit the issue, they had transferred my loans to XXXX.
Product: Credit card

On XX/XX/2024 I went to XXXXXXXX XXXX XXXX/citi-XXXX and booked a hotel room for XX/XX/2024. 
On XX/XX/2024 I cancelled the hotel, within the Cancellation period ( I had until XX/XX/2024 to cancel ). Citi bank charged my credit card on XX/XX/XXXX for the full amount of {$180.00}. 
I contacted the hotel 3 separate times and each time was told they never charged my card, that they had no credit card info from me, and could offer no refund since they didnt make the charge. 
I disputed the charge in XXXX and Citi has sent me notices saying I did not cancel within my cancellation period, which is false. I spoke to several agents who " made notes '' in my file with no resolve. 
Now Citi bank is saying the dispute window is too long and they will not refund my {$180.00} and they are charging me interest and late fees on top of this. 
I am closing all my accounts with Citi bank but want my XXXX XXXX back! 


Hotel Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL United States XXXX XXXX Front Desk : XXXX Email : XXXX Hotel Cancellation Policy : Canceling your reservation before XXXX XXXX XXXX local hotel time ) on Friday, XXXX XXXXXXXX XXXX will result in no charge. Canceling your reservation after XXXXXXXX XXXX  ( local hotel time ) on 1 XXXXXXXX XXXX or failing to show, will result in a charge of 1 night per room to your credit card or other guaranteed payment method. Taxes may apply. Failing to call or show before check-out time after the first night of a reservation will result in cancellation of the remainder of your reservation.
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 Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 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: Checking or savings account

On XXXX Huntington National Bank charged my account with fees that were not pertinent to my account I signed up for. After reporting this to the bank, the bank acknowledged my account was intact switched but did not provide any additional information. After 4 days the bank reversed the fees but refused to provide information on this fraudulent act nor would they provide who switched my account. They acknowledged it was switched, they also acknowledged they could see that none of the forms pertaining to this switch were signed by me. This is criminal in every sense of the meaning and this bank needs to be heald accountable.
Product: Debt collection

Repeatedly told them to not contact. They refused to listen unless I offer them my identity. Why would I give you my information when you call me from 500 different phone numbers, 17 times in 22 minutes. I've been threatened, screamed at, hung up on, and the calling for 1 ring and hanging up is getting old. I am not the person you're calling about and you illegally harass me because I won't tell you who I am? I'm in contact with a lawyer that is handling a mass suit against your companies illegal practices.
Product: Bank account or service

On XXXX/XXXX/2015 I went to Bank of America branch in XXXX XXXX, CT to close out my account. I told cashier to close out my account and withdraw entire amount as I have enough bank account as it is. on XX/XX/XXXX I received a BOA statement saying I owed {$15.00} for maintenance fee. it appears the account was never closed. there was still money left in the account. that should not be my problem but BOA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called cb indigo in XXXX of 2020, I had my late fee waived and can indigo gave me an financial accommodation. Cb indigo told me not to worry that they would waive my late fee due to the pandemic. I also called them and told them I was suffering due to the pandemic. XX/XX/2020 I called them to have the late payment fee credited back and they did just that. According to the Cares Act they gave me relief and they shouldnt have reported me as late during this timeframe. I would like this late payment removed as it is unlawful due to the Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c ( a ) ( 2 ) -Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( Does not meets requirement of the Fair Credit Reporting Act On Record Until XX/XX/2019 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a hard inquiry on my TransUnion Credit Report from a company called XXXX XXXX. I never requested credit from this company, there should not have been a hard inquiry. 

This is the information : Dated : XXXX XXXX, 2017 Institution Information XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

In XX/XX/2021, or XX/XX/2021 I closed this account. Did not want it or even need this. Nothing was bought with this account and not used by us. We keep getting calls after we cancelled this card and still receive calls!! Today we got a statement in the mail that says we owe XXXX.for what!!! There are no purchases and card not used and destroyed long ago. Please cancel this darn thing for good as it was to be done in XX/XX/2021. We used nothing and have nothing to do with this card what do ever. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Mortgage

I have not been served with notice for mediation per IN Code 33-34-3-8, I was not served via certified mail per Indiana law, and Plaintiff has not satisfied necessary foreclosure prerequisites, causing a foreclosure sale to be scheduled for XX/XX/2024. I have requested loss mitigation documents to proceed with loan modification efforts on numerous occassions. Freedom Mortgage has refused to address my requests. This is a direct violation of CFPB rule 1024.41. I have been trying to resolve the foreclosure issue with Freedom Mortgage, but they continue to proceed with foreclosure and have set the XXXX sale date.
Product: Mortgage

I have a mortgage with 21st Mortgage. My payments are {$690.00} a month. It is considered late on the XXXX of the month. I am past due for XX/XX/XXXX and owe for this month XX/XX/XXXX. 

I tried to make XXXX payment on XX/XX/XXXX of {$690.00} they are refusing my payment. They are very XXXX  and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with a Experian who continue to report false information on my credit report which cause me to be denied a loan to purchase a home for me and my family. I have written to Experian many times and they continue to do business as usual with out doing the proper investigation to prove 5hat 5he account bel9ngs to me. They obviously have no proof so they do what is easiest and write on a piece of paper verified while I am almost homeless. I am asking Experian to please delete all my information from 5heir computer data base and stop immediately from giving anyone false information about me. The derogatory information they are reporting is not mine so they must delete them. XXXX, XXXX, and XXXX
Product: Credit card

In XX/XX/XXXX my husband and I opened up a Discover credit card..we were never late until our infant daughter passed and we had many unexpected bills to come up. This account got a few months behind and was charged off. However in XX/XX/XXXX the account was paid less then full but {$400.00} ( we owed I think XXXX ). However, DISCOVER are STILL REPORTING IT as past due/late EVERYMONTH even though the amount was " settled for less then amount ''. They have really jacked my credit up for YEARS NOW and we had NO CLUE until recently when trying to refi our house we were told about it! I could not believe this! I do have a letter stating where it was paid in exchange for the lesser amount! I also have the offer letter then sent me as well BUT THEY ARE ILLEGALLY REPORTING STILL that its still " late '' every single month and have done so since XX/XX/XXXX!!! FOR 6 YEARS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times I reach out to Equifax to dispute or update information and I get the response you will see below. I have sent in the items plus additional proof they ask for several times but to no avail. Meanwhile Im not able to view or correct any inaccuracies on my file. After yet again trying to make a dispute ( based off what I see from a few credit apps I use ) I get the same response from Equifax. I received the bottom notice after trying for second time to dispute an inquiry from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash App failed to take timely and effective measures to prevent and address fruad on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.