23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I kept my word and paid my account in full. I had to sell furniture out of my house, pawn my class ring, and borrow money from relatives over the months to pay this collections account. As it turns out, the representative who initially and constantly contacted me was making false threats. Regardless, I paid my debt. What I am most upset about, though, is the fact that I still have n't received my paid in full letter, and neither has XXXX XXXX XXXX. It suddenly seems as if the phones no longer work in the office which once incessantly called me. The day I paid the account in full, I was assured that I 'd get a letter stating such. The said letter has not been received. I called several times and left voicemails. This practice is shady and unprofessional, and I certainly hope it 's not indicative of how other clients are treated. What type of business is unwilling to state its name via phone? I called XXXX and was told that debt collectors on their behalf can not file legal action -- fraud charges ( but this is what " XXXX XXXX '' of XXXX XXXX told me in XX/XX/XXXX ). At this point, I almost feel as if I 've been defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid in full in 2021 and my credit report is reflecting it as negative and closed which is inaccurate it was in good standing
Product: Mortgage

I am a new mortgage customer of SunTrust, soon to be Truist. Our mortgage was was purchased by SunTrust from XXXX  XXXX  XXXX. The account was setup on autodraft. On the first month SunTrust took mortgage payment plus an additional {$5000.00} which was not authorized.. We called their office immediately and they said it was a mistake but they couldn't do anything. After discussion operator gave a fax number and said we could send copy of our bank statment showing they had taken two payments. Operator could see clearly they had deducted an additional {$5000.00} but refused to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a XXXX XXXX  collection on my account that is not mine. I have called XXXX XXXX telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 XXXX 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SYNCB/CARECR, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri Revised Statutes ( RSMo ) Sections 570.223 and 407.020, which govern identity theft and fraudulent credit practices. 

It has unequivocally come to my attention that SYNCB/CARECR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri law, specifically under RSMo Section 570.223, emphasizes the serious consequences of identity theft and fraudulent use of personal information. Furthermore, RSMo Section 407.020 prohibits deceptive practices, which include the unauthorized reporting of credit information without the consumer 's consent.

I assert with unwavering certainty that I have not provided consent for SYNCB/CARECR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a complete disregard for both federal and state laws.

I demand, with the utmost certainty, that SYNCB/CARECR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and RSMo Sections 570.223 and 407.020. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouri identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SYNCB/CARECR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which located in XXXX IL. I live in California and the job was supposed to be done in XXXX IL. The XXXX told me that he is doing the work and sent me fake photos of material and the job location. The imposter XXXX did not do any of the work. The job was never started and the XXXX took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$5200.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Debt collection

I was informed by my XXXX XXXX recruiter that I have an outstanding bill therefore, for days I have been trying to contact them to pay the debt so that I can clear my record and enter the military. I have called multiple time and left messages, i also sent a email.but have not received any reply, meanwhile I am unable to move forward toward entering into the military. See attachment..
Product: Credit reporting or other personal consumer reports

Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX One main XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX
Product: Money transfer, virtual currency, or money service

I attempted to contact Chime to find status of debt card. It has been 3 weeks with no debit card. Unknown party withdrew {$1800.00} from my account. Unknown party represented themself as Chime. Their website shown as Chime ( I have print screen of their site ) and the following sight which has changed since funds was taken. 
XXXX XXXX XXXX XXXXXXXX. 
Their phone # was XXXX. I Was told they were doing a test on my account. Called back numerous time with no resolution. 

I immediately filed a dispute within 8 minutes of funds being taken. 

Requesting refund of {$1800.00} that was stolen and party to stopped from doing this with other parties.
Product: Mortgage

I completed a short sale in XX/XX/XXXX and I was informed from the independent foreclosure review that all negative reporting will be removed. The mortgage company is also still reporting a late that occurred XX/XX/XXXX that needs to be removed.
Product: Consumer Loan

I have a Slate credit card from Chase. As a benefit, Chase gives me visibility of my XXXX credit score from XXXX each month. 
Issue I recently applied for a Chase auto loan. Per my credit report, Chase used the XXXX credit score in its loan decision. Providing me XXXX credit score but using a different credit score in the loan application process is deceptive. Why the disparity?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe XXXX {$120.00}, reference # XXXX, acct # XXXX. 

The " debt '' was submitted by American Coradius International LLC. 

I went out to XXXX and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used XXXX for in the past XXXX years ). They show no other outstanding payment issues. 

Attached is a photo of the letter referenced above. 

Please advise regarding next steps to handle this fraudulent claim. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX  Account XXXX : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX XXXX : XXXX XXXX XXXX Owed : {$270.00} XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$640.00} Original Creditor Balance Owed : {$49.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$640.00} Inquiry : XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$350.00} Inquiry : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Cfs XXXX XXXX  is violating my rights they are adding false balance on my credit of an acct that is charged off! They are reporting false and inaccurate payment history. And balance
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 Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Remark removed from account. Bank of America can not tell me what remark was on my account nor what was removed. It dropped my credit score XXXX points. They sent me a generic letter that they did not report any disputes. I need the letter to stated that there was never a remark! I am loosing a great rate refinancing my mortgage. 
I spent hours in the phone - no one can help. They wouldnt provide me a address to write to. 
I spoke with XXXX XXXX.
Product: Mortgage

Mr Cooper advised me I would receive my escrow overage back in XXXX. It never arrived and was either never mailed or, never mailed to the correct address. I've called several times since then and they say it was mailed and then say they'll remail it. I've never received my overage. At this point they've tried to post it to the payment, at which point I made a partial payment to keep my account current only to have them change course without notification and remove the applied funds to the payment and then sent me a late payment notice. I paid the rest of my payment with the understanding they'd again send out the escrow overage via check. I still have not received the funds. At this point, it's been months and I have still not received the escrow overage funds they were required to send more than 30 days ago.
Product: Mortgage

we are just trying to pay our balance to XXXX. BofA has held our money for over 2 weeks, and no trace of it being returned or applied exists. they have threatened to charge us additional interest if we do not send them more money immediately even though we have sent them more than the balance of our payoff. I was yelled at and told that it was my fault that this happened because I don't know what their nomenclature is. 
BofA will not apply our payment BofA will not return our wire BofA is threatening us with additional interest charges and delinquent reporting if we do not send them more money. 
BofA has blamed me for this occurring on a recorded phone call with " XXXX '' XXXX sent {$67000.00} payment to BofA via wire to pay the majority or all of our balance on the HELOC XXXX made {$59.00} principal payment to BofA via online banking b/c no word on our wire being accepted. 
XXXX made {$410.00} payment to BofA via online banking b/c no word on our wire being accepted. 
to date we are {$320.00} over our payoff balance XX/XX/XXXX BofA sends letter demanding more money, or they will charge us more interest or report us as delinquent on our payments Please note- we made our normal payment, an additional principal payment, and {$67000.00} before the XX/XX/XXXX letter was penned. 
XX/XX/XXXX had discussion with " XXXX '' from BofA. she's in collections, and she confirmed that they have my money. however, they have not applied it yet, and can not send me anything in writing or via email to confirm this. She yelled at me and told me that it is my fault that they have held my funds for 2 weeks, and will neither return or apply them until they feel like it. I thanked her for the information, and informed her that she and BofA are influcting financial strain and emotional harm to me and my family as i can not afford to just let $ XXXX just vanish or go un-accounted for. and that i would be reporting them to the CFPB. 
I have received submitted multiple complaints to BofA via online banking, with no response. 

I am concerned about my money and my family 's well being at this point. BofA is engaging in incompetence at best, or an elaborate designed process that forces consumers to pay more interest than is necessary, or allows them to hold large sums of money without escrow, and without cause to bolster their short term balance sheet.
Product: Student loan

I'd like to bring to your attention.- the equivalent of pay day loans. The Vermont Student Assistance Corp has zero moral compass. They are greed driven and have no true interest in helping students with their education. I am the parent of a student that attended XXXX XXXX out of state ) I was forced/extorted in to co-signing a loan in 2008 so my son could continue his studies. The Original loan Amount {$4900.00} - they skim off the top $ XXXX leaving {$4200.00} for the student. As the cosigner i have been making payments for years. Currently as of XXXX statement, I have paid a total of {$4200.00} to VSAC ... .. and the outstanding balance is still @ {$3500.00}. If i were able to pay this amount today- I will have paid @ {$7700.00}. to pay back a net loan of {$4200.00}. So the criminal XXXX will profit {$750.00} + {$3400.00} = {$4200.00} on a {$4200.00} loan. This is beyond criminal maybe you can address this. 
I would love to hear back from your office on any action taken. XXXX XXXX XXXX XXXX