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

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; CXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Mortgage

Wednesday XX/XX/XXXX : New American Funding stated that we owed them XXXX cents. They stated that when we closed on our refinancing on XXXX that we did not provide enough money for the closing and that they used our escrow to pay for the closing cost. Because we used the escrow for closing cost we then owed them this cost when they paid our state taxes for the 2019 year. We told them that we needed an answer by Thursday the next day. We were told that by Friday we would have an update by the company due to them notifying corporate of this matter. 
-- -- In addition, they are claiming that we need to spend XXXX dollars on hazardous insurance, because it expired in XXXX. We showed proof that we paid but they are still trying to charge us for the hazardous insurance. 

Friday XX/XX/XXXX : We called and notified New American Funding, that if they do not have an answer for us we would go to the media, and obtain an attorney. We gave them to Monday, XX/XX/XXXX to contact us. 

Monday XX/XX/XXXX : No response. Called New American and left a voicemail to XXXX XXXX in corporate. 

Tuesday XX/XX/ : Contacted New American and spoke with a Mr. XXXX XXXX on the phone and he then responded via email. 
Good afternoon Mr. and Mrs ... .. 

We wanted to provide you an update regarding your escrow account. It is currently being researched with our management and our escrow department and is being reviewed with the right specialists. Allow us some time for us to provide you an update before the end of the business day on Friday. We thank you for patience on this matter. 

Friday XX/XX/XXXX : We notified New American and XXXX that at this point, we have called and contacted daily. We have numerous responses from you that someone will get back to us, but each time we speak its still under investigation. 

Monday, XX/XX/XXXX : Good afternoon : The ongoing research is being handled by our management and VP of Customer Service. Allow us to follow-up with them so they may provide an update. Thank you for your patience on this matter. 


At this point we then contacted daily until XX/XX/XXXX: Thursday XX/XX/XXXX : Voicemail left on my phone : stating that the findings are that we still owe XXXX dollars instead of the full XXXX. We then called New American to notify them that we will follow-through and make a formal complaint to the CFPB.
Product: Bank account or service

On XX/XX/XXXX I deposited {$240000.00} into Synchrony Bank Acct. XXXX. In XX/XX/XXXX, I requested that the account be closed and the balance ( {$250000.00} ) be paid to me. I never received the funds. The customer service rep ( XXXX ; XXXX X XXXX ) told me that the check was signed by me and returned to XXXX. They did not know what to do with it and could not contact me because the account was closed. To date, this matter has not been resoved and I am seeking payment of the funds owed me.
Product: Credit reporting or other personal consumer reports

I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00}
Product: Student loan

I was switched over to Mohela when XXXX XXXX exited the servicing business and Mohela was the only servicer for PSLF. 

Last year, they ignored official federal guidance on extensions of income certification deadlines and had me recertify earlier than necessary. This year, they sent a letter on XX/XX/XXXX dated XX/XX/XXXX stating that : " We are required to notify you that your repayment plan is due to recertify 95 days prior to the anniversary date of your plan. '' XXXX bullet points later they mention : " To maximize your current payment period under your XXXX plan, your request will be held and processed prior to your recertification deadline of XX/XX/XXXX. '' Not sure who's handling basic date math on their end, but that is not 95 days notice. My current plan anniversary date is listed as XX/XX/XXXX and 95 days before that would be XX/XX/XXXX. XX/XX/XXXX ( date notice was sent ) was only 39 days notice. 

Many others with similar dates posting on student loan forums have mentioned their accounts with XXXX and XXXX have had their recertification extended out by a year to XX/XX/XXXX.
Product: Student loan

During my last XXXX - XXXX years as an XXXX, I had to take out a private loan to finish my degree. The original loan was through XXXX XXXX  the loans were sold to XXXX XXXX, and now they are with Firstmark Services. The customer service is XXXX ; I have made numerous calls to the company with questions, and I receive a different answer depending on the representative. When my loans were transferred to Firstmark in XX/XX/XXXX, my monthly payments were {$310.00}. I called Firstmark to ask if they offered an income-based payment plan, I was told yes. When I called back to ask about the paperwork required to an income-based payment plan, I was told that they DID NOT offer that plan at all. After suffering financial strain relating to the pandemic, I asked if there were any options for a reprieve/reduction in the monthly amount. I was told by a different representative that the company had an income-based option, but it was only allowed for one year. After reading this " income based '' application, the actual result is a temporary measure that reduces your monthly payment by 50 % for the first 6 months. During months XXXX - XXXX, the payment increases to 75 % of the original monthly amount. After one year, the monthly payments resume, usually at a HIGHER amount relative to the original monthly payment being made prior to their " 12 month payment reduction plan ''. 

I decided against their 12-month payment plan, and have continued to make my payments. In the past year, my payments keep increasing ( often with less than a month 's notice ). Between the months of XXXX and XXXX of XXXX, I had no choice but to defer monthly payments due to financial hardship. When payments resumed, they were {$310.00} ; I had expected some increase due to the deferment period. By XXXX of XXXX, the payment jumped to {$320.00}. In XX/XX/XXXX, the payment jumped to {$320.00}. I took my last allowed period of deferment between the months of XXXX and XX/XX/XXXX due to financial hardship. When payments resumed in XXXX, the monthly payment was {$360.00}. In XX/XX/XXXX, the monthly payment increased to {$390.00}. In about a year, my monthly payments have increased by {$81.00}. My total balance has exceeded the original loan. 

Today, XX/XX/XXXX, I received a second email from Firstmark Services stating : " In accordance with the terms and conditions of your loan agreement, and to ensure you are able to pay your loan within your remaining term, your payment has been recalculated. Effective XX/XX/XXXX, your new regular monthly payment increased to {$430.00} ''. I am already stressed about how to come up with the amount. The cost of EVERYTHING is increasing : food, fuel, rent. My wages have been stagnant for 2 years. It seems to me XXXX is more concerned about making money rather than helping their clients pay off their loans. I literally can not afford these sudden increases. The {$36.00} increase equates to half of our weekly food budget. It's disgusting. I am trying to refinance with other companies, but I do not make enough income to qualify.
Product: Credit card or prepaid card

Bank of America has repeatedly told me I don't have minimum payments set up even though I very much do. They waived a late fee as a result of their error but my minimum payment is now going up. In addition, they want to charge me the late fee and then later credit my account because this was their mistake. 

I am on a fixed income and I can not afford this. No one has apologized, I was hung up on, spoke to a 'supervisor ' who turned out to not be a supervisor, have not been offered a credit to fix this issue. 

This is ridiculous, I feel trapped and the bank is basically calling me a liar. It feels very exploitative. I have metadata on my phone and recordings proving that what they are telling me is not true.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX has violated my rights. 

15 USC 1681 section 602 A. State I have a right to privacy 15 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. 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.

15 U.S.C. 15 U.S.C. 1681c ( a ) ( 5 ) states that consumer reporting agencies are not allowed to include certain information in consumer reports, including : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

We, my bother and I, closed on our condo on XX/XX/XXXX. We were told that it would take a few months for the credit reports to show that mortgage is being reported. I started checking in XX/XX/XXXX, 3 months after and no mortgage was reported. I checked in XXXX, 4 months after closing, still nothing was reported. 

On XX/XX/XXXX my brother emailed XXXX XXXX at Advisors Mortgage- the loan manager and branch manager- with this issue and he said he did not know why that was. We also wrote that we were planning on refinancing this mortgage in XX/XX/XXXX and XXXX responded that he was going to help us with refinancing and check why mortgage was not showing as reported on my credit reports. 

We spoke to XXXX XXXX on the phone sometime in XX/XX/XXXX about refinancing or HELOC options. We also raised the continued issue of mortage not being reported to my credit reports, non of the 3 credit bureaus showed history of us having a mortgage. XXXX said that he would have to run our credit reports once again to see that it was not showing and then tried resolve it. We did not agree to that proposition as hard pull of the credit history affects credit negatively. I have not heard from Mortage Advisors since. I feel that something is very wrong about a mortgage company not wanting to report to credit bureaus that I am paying for my mortgage yet when I want to refinance it, they are eager to help me and run my credit report again. This is wrong. 

I also called the operator at Advisors Mortgage and they said I needed to speak to loan manager for this but my load manager was not able to help. 

I have been paying my mortage every month on time since I closed on it in XX/XX/XXXX. It has been ten ( 10 ) months of payments that have not been reported to any of the 3 credit bureaus. I have exhausted all the options and do not know what to do. 

XXXX XXXX co-signer : XXXX XXXX XXXX ( brother )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated
Product: Checking or savings account

My checking account was hacked into XXXX. There was 4hits for {$100.00} each Bank doesnt seem very willing to help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

Credit Bureau did not protect my information from illegal use XXXX Credit.improper use of my name and wrongful information from companies
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to notify you that I am a victim of identity theft. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Section 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$4100.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax XX/XX/2022 to update this doubtful information. I think you have not authenticated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be verified or removed immediately. The following laws also applies to these accounts : 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE, 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Therefore, the following accounts are disputed as invalid : XXXX - Name : XXXX ( 3 accounts with same account numbers ), Account Number : XXXX ; XXXX - Name : XXXX XXXX, Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : 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

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$38.00} XXXX XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 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.