23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I reached out to my bank on several occasions and the bank reached out to company as well. It was a fraudulent transaction so I filed it with the company and they said they would look into it and never did and didnt give me any reason why claim was denied.
Product: Student loan

The Navient website will to allow me to make an extra payment to principal. I only have my loans at XXXX % interest. When I make a XXXX payment, XXXX goes to principal and XXXX to interest. I do n't understand this. My total loans are around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were sent out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - To date, nothing has been updated or completed. Over XXXX days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to place an order on XX/XX/year> for a pc of furniture through XXXX XXXX ( no telephone number ) XXXX They emailed me back said they were out of stock and were not sure when they may be back in their warehouse but they would put me on a wait list and kept my payment form affirm ( loan payment which was set up where I was paying a monthly installment ) and affirm paid them in full already I could cancel for a full refund anytime before it ships out of their warehouse Which I did I even emailed them to double check and they emailed back stating sometime in XXXX they expected a shipment to come in. So I cancelled and they refused to refund the item stating now the item was being shipped to my house but it was not being shipped to my house the tracking was the shipment t being shipped to them. They tried to pull a fast one thinking I was stupid enough to fall for it. But they are refusing to refund the money and affirm is stating they can not help and dispute the money because its past 60 days which is redicilous since I cancelled the order on XX/XX/XXXX which is u see the 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom It May Concern : I recently received a copy of my XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..XXXX  : XXXX late payment XXXX XXXX XXXX.. XXXX : XXXX late payments XXXXXXXX XXXX XXXX XXXX : XXXX XXXX late payments XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX late payment XXXX. XXXX XXXXXXXX XXXX : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXXXXXX XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXXXXXX XXXX XXXX XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXX XXXX : XXXX. XXXX late payments XXXX XXXX XXXX XXXX XXXX : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give u written instructions to furnish these accounts on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Product: Student loan

Nelnet student loans provider 1 ) I have been in contact with Nelnet several times over the last 6 years, I would sporadically call in to check on my Public service forgiveness. I was always told that as long as I didn't miss a payment, I was in good standing to receive this forgiveness after my 10 years of payments. I recently found out that I do not qualify after being told that I did for years. 
2 ) On one of my calls checking on my public service forgiveness, I asked for details on when my Loan would qualify for forgiveness ( time frame ). Later that week or month i was told that my payment was going up from {$150.00} to {$180.00}. Date of conversation was around XX/XX/2014. Only explanation i received was the payment was miscalculated. 
3 ) I do not believe this was Nelnet but somebody refinanced my loans without my knowledge or agreement. I asked for those documents from nelnet and was told the only way to get those was through a subpoena.
Product: Money transfers

For whom it may concern, I did a money transfer from United States to XXXX, bank account to bank account transfer ( XXXX XXXX XXXX to XXXX ) on XXXX XXXX, 2015. 
I contacted the receiver in XXXX on XXXX XXXX, 2015, he still have n't received it yet. I contacted Western Union, and provide them my receipt and transaction tracking number which is XXXX, ask them to help me to tracking the transaction. However the custom services in WU told me, they do n't know where does this money went to, and this transaction is not in the system at all, they need to renew the transaction in XXXX to XXXX hrs. I waited until XXXX XXXX, 2015, nothing happened, I called WU again, after being transferred XXXX to XXXX times, they told me they have to renew the transaction again in XXXX to XXXX hrs. again. Since WU lost my money in the transaction for a month and without notifying me, and when I contact them they just have no reaction at all, which made me think WU has some fraud or scam issue, I lost confidence and patience with WU. I had to make a transfer through XXXX XXXX XXXX, which spend another {$300.00} along with {$35.00} transaction fee, in order to make it on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2010 Wells Fargo had multiple accounts and credit I'm my name I was just notified this past year and now I'm a victim of identity thief from Wells Fargo.. I have no way of getting help leaving my apartments and moving forward have no family and am almost in a day homeless trying to fight for my identity.. Please take action and help me
Product: Credit reporting, credit repair services, or other personal consumer reports

They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus
Product: Mortgage

XXXX XXXX, XXXX was completing door to door solicitations in my XXXX XXXX neighborhood and claiming to partner/work with XXXX  XXXX XXXX. Not honest or straightforward. The two representatives claimed they just needed information to verify our utility bill wasnt late and that we haven't missed payments to qualify for no cost renewable energy. Submitted verification and got an instant notification of a hard credit inquiry from my XXXX account as well as a XXXX XXXX notice of an update to XXXX account as well!! The inquiry was from LoanPal without ANY consent or notice of credit being involved at all. 
I asked multiple times the costs and specifics but the two representatives danced around the questions and kept saying it was no cost trust us we work with the XXXX XXXX XXXX. They stated we would get rebates on overpaid electric bills, free XXXX thermostat, free LED lights for entire house duct sealants, etc. BUT missed the HUGE notice and required consent to pull credit! I did not verbally or in writing agree for this company to submit a credit pull to LoalPal especially for a {$100000.00} pre-approval. Even after I confronted them both about the XXXX notice, LoanPal preapprove email notice, and {$30000.00} agreement emailed via XXXX, they still stated it was no cost and to just simply sign the documents to get the engineer out to check our eligibility. They were adamant to simply trust them, they are good people, provided photos of badges, and pressured to just sign the emailed documents. 
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Product: Debt collection

Information provided per my credit report is below. 
Account name : progressive management systems Amount : XXXX Date : XX/XX/14 Account # : XXXX I've contacted the collection company requesting more information regarding this account because I have no documentation nor have I received anything in the mail to verify if this is a legitimate bill that belongs to me. I was told they could not release any information over the phone and I have yet to receive anything in the mail to verify this. The fact that this shows the original date is from 2014 really concerns me because its effecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan servicer, Sallie Mae, was not willing to work with me. I would state that I was making {$420.00} a month due to just recently graduating from my certification program and still looking for a job within my field. I would state countless times throughout the summer of 2022 the status of my employment and interview processes that I was going through and would receive conflicting reassurance because with every call I had to restate the entire update because they never updated or left notes on my account. I would state I can pay this amount and respond with you're not willing to pay and hang up on me countless times. After finally getting a decent paying job I told them this is how much I can afford to pay you guys and they said yes and next thing you know they dont my report and co signers reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : XXXX Please delete these items as soon as possible! 
Also Transunion has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXXXXXX XXXX/DEPT OF ED Account XXXX XXXX XXXX Account number : XXXX XXXX I need more clarity as the reports with the XXXX credit bureaus does not make sense. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$20000.00} XXXX/XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

I have applied for a HAMP Loan Modification with Ocwen and I cant seem to get an acknowledgement or the opportunity to interact with an assigned negotiator without having to race against the clock with the threat of a foreclosure sale. This property was the subject of a divorce and I have been trying to remedy this matter. I was offered a trial modification XXXX 2015, but when I sent payments in-they were returned to me. I have been putting those monthly payments aside every month to see if I can get Ocwen to honor that modification. I hired a firm to work on my behalf and they have submitted all of my documents for a modification, but Ocwen has not responded or canceled the sale. I have to resolve this matter pursuant to divorce agreement and I do not want to file bankruptcy again. I really need help. I am going to email the ombudsman. I have called to speak to that department but have not been successful.
Product: Checking or savings account

I had a chime account that I had closed and I did not receive my refund of {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I lost my job XXXX 2016. Was on unemployment. In XXXX I contacted US Bank mortgage advising them of my job lost. Had problems back then getting anyone to return calls. Had to file complaints with anyone I possibly could. I finally filled out paper of a reduced mortgage payment plan and was approved thru loss mitigation in XXXX XXXX XXXX Was suppose to be able to start with no payment in XXXX 2016. Receiving bills stating I am late on my payments now and need to pay {$900.00} plus dollars to avoid foreclosure. Have tried contacting my case manager XXXX several times. We played phone tag. Now I am not getting any return calls from her or anyone at US Bank. Left messages XXXX XXXX 2016 for XXXX and on the main phone number. Also wrote Us mortgage on XXXX XXXX XXXX am tired of dealing with them. This is my home we are talking about. They do not want to work with me. Which is very wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states 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. XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states 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. ( Furnisher of information to credit agencies ) is a financial Institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection, 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. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) 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. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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. XXXX and Experian are not maintaining reasonable procedures. Also 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, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
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: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX