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

I am filing this compliant because XXXX And Experian have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soo as possible. Thank you.
Product: Student loan

Navient refuses to provide information regarding the term length of my private loans ( previously owned by XXXX XXXX ). I searched the website and emailed multiple times, trying to get an update on how many payments I have left, what type of payment plan I have, but they do not provide this. I am also trying to find out if they will provide any kind of idea of if/when my payments will go up, so I can plan out my life, but they said they do not provide amortization charts. How am I supposed to plan without knowing how long I will have to pay my loan, and/or when the payment will go up? XXXX XXXX always provided this information. How is it legal to refuse to provide the most basic information about a loan? 

See the email message below. They are instructing me to call them. I call and I am on hold for an hour : Dear XXXX, Thank you for your inquiry and for your business with Navient. 
Unfortunately, due to system limitations, we are unable to provide this information online at this time. However, you may contact us through XXXX of the below methods to request this information. 
If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX and Friday XXXX to XXXX ET. 
Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : XXXXDate : XXXX/XXXX/2015 XXXX PMTo : XXXXXXXXSubject : Response - Other [ BSS XXXX ] [ BSS DATE=XXXX/XXXX/15 ] Account No : XXXXI am trying to find out how many years I have left of repayment, or my repayment schedule, or virtually anything about which repayment plans I am on. All of this information used to be on the XXXX XXXX site, but for some reason is not available on the Navient site. Why am I not able to access basic information about my loans? 

Here is another email I sent : Dear XXXX, Thank you for your inquiry and for your business with Navient. 
Because the monthly payment amount fluctuates as the variable interest rate of your loans changes, the amortization of your loans will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules. 
If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX and Friday XXXX to XXXX ET. 
Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : XXXXDate : XXXX/XXXX/2015 XXXX PMTo : XXXXXXXXSubject : Response - Having issues with the website [ BSS XXXX ] [ BSS DATE=XXXX/XXXX/15 ] Account No : XXXXI need to see what my payment schedule is going to look like over the life of the loan. XXXX site used to show this.
Product: Mortgage

I was approved for a loan modification plan on XX/XX/2021, as long as I was to make the 3 necessary plan payments, which I have done. Now they are trying to begin a new modification payment plan with no indication to me as to why.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC CODE 1692g & 15 USC CODE 6802 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home
Product: Credit reporting

Equifax continues to incorrectly report an old Chapter XXXX Bankruptcy filing even though it is now nearly 10 yrs old and Chapter XXXX Bankruptcies are to be removed after 7 years.
Product: Vehicle loan or lease

My husband XXXX XXXX XXXX died XXXX XXXX. I sold his XXXX XXXX XXXX truck recently. The truck was paid off and apparently there was lien on the vehicle that was not due to my husband 's ownership. I have been in touch with XXXX, PNC Bank, and XXXX. Everyone has been very solicitous of my dilema, but there is no solution. The last person I spoke with said that a lien release letter had been mailed from PNC bank on XX/XX/XXXX. I have not received the letter. The vehicle was sold about a month ago and the buyer has not been able to get a clear title.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I had a new HVAC unit installed at my home for {$9600.00}. It was financed under the terms of no payments, no interest for 12 months with Service Finance Company , LLC. Two months later, I received a letter saying I was over-due on my payments and that late fees would be applying. I immediately called Service Finance and spoke with a representative who confirmed that the letter I received was incorrect and that I did not have any payments due. I continued to receive letters stating that a payment was due, so I tried creating an account on their website in order to see the details of the loan. I was consistently unable to create an account - I would get an error message saying an account couldn't be created at that time. I reached out to their customer service regarding creating an account and I was told to simply " try again later because sometimes it just doesn't work ''. I also asked about why I was still receiving statements even though I was assured I did not have one - I was informed that the terms of my loan had changed without any notice or communication from Service Finance and there must have been a miscommunication. 

In XXXX, I received a letter stating that Service Finance was going to place a lien on my house and threatened taking me to court. I again tried to create an account, this time successful, so I made a payment of {$750.00} to prevent a lien. Upon selling my house on XX/XX/year>, Service Finance was paid off the amount according to them ( {$10000.00} ), which was {$1400.00} more than the contracted amount.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting

Did not receive verifiable proof ( an original consumer contract with my signature on ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXX / XXXX XXXX XXXX. The late payment in question is reported by EQUIFAX for the period of XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card or prepaid card

I received a letter from First Progress my oldest credit card of over 11 years. It was dated XX/XX/XXXX but I did not receive it until XX/XX/ requesting " AN ORIGINAL OF A STATEMENT OF THE BANK ACCOUNT USED TO FUND THE SECURITY DEPOSIT OF, AND/OR IN MAKING PAYMENT ON, YOUR FIRST PROGRESS ACCOUNT ''. The problem is that it stated that if the information was not received within 15 days they would close my account. Obviously this time had already passed by the time I received this letter. At this time we had received several feet of snow which might have caused some of the delay but this would not explain receiving the letter being so late.I called First Progress on several different occasions. I explained the situation to the agent and was told they would make a note in my account and not close it. I called a second time asking for a supervisor and was told none were available but would be called back within an hour. That call never came.After several attempts to contact a supervisor I was able to speak to XXXX after receiving a letter that my account was closed. He advised me to fax over the documents I had already placed in the mail since we were getting so much snow and the mail was severely delayed. I have also sent them a letter and a fax which i will include with this report and my account is still closed and I haven't heard a peep from them.
Product: Debt collection

Dear Halsted Financial Services, I am responding to your contact about a debt you are trying to collect. On XX/XX/year> you identified this alleged debt with the three ( 3 ) main Credit Bureaus. 

Please supply the information below so that I have all the information. 

The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt somebody else is, or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, XXXX and XXXX are reporting YET Equifax is not reporting stating they couldn't verify identity even though they received a faxed copy of State Issued IDs. I am attempting to refinance and the loan officer needs 3 bureaus. Customer service was very hard to understand and very rude asking impossible to remember questions. When asked to tell me their name they made up a name. When asked to transfer to a supervisor, after a 20 minute hold ... .he was not willing to help in any way either. Time is of the essence and Equifax is unwilling to help get my credit report. I need an advocate!! Please help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

the credit bureaus are not reporting the same information about accounts listed on my credit report. 
XXXX shows my XXXX XXXX  credit card account has an different monthly payment and balance then is listed Tranunion and equixfax. 

Equifax reports on my XXXX XXXX XXXX  credit care that it is open and that consumer pays as agreed. XXXX and esxperian reports this account as closed and delequint. 

equifax reports a different balance on my XXXX XXXX loan, then the other 2 reporting agencies. 

XXXX reports dept. of XXXX as a closed account the other 2 reports it as opened.
Product: Checking or savings account

XX/XX/2020 Hello. 

I am trying to connect my XXXX bank  account to my PNC reserve account. PNC apparently had made changes that block me from linking the accounts. Please help seeing as I use XXXX as my main savings account. 

The only action I have been able to take is submit a complaint. 

Thank you.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX...
Product: Credit card or prepaid card

A company called ABC XXXX XXXX made two recurring charges to my XXXX Credit Card for {$20.00} on XX/XX/20 and XX/XX/20. The credit card company has determined I'm not responsible for these charges ; however, I continue to received automated calls from ABC financial, which identifies itself as their billing company. Their voicemails, received from XXXX, say there is an " extremely urgent '' problem with my billing and to contact them at XXXX. I have never had any affiliation with ABC XXXX XXXX. They continue to harass me.
Product: Mortgage

My husband & I decided to reach out to Quicken loans and begin the refinance process. At first we had several conversations in regards to our situation, ( wants & needs ) do you know the Premature explanations that you have to get out of the way, as my husband & I were interested in refinancing our home, ( we had an exsisting mortgage with another company ), and wanted to move forward with another Preferably ( XXXX  ) upon researching, right from the beginning everything was XXXX from the start, however, the loan XXXX was very quick to continue to call me on numerous occasions & walk me through the premature process of getting certain subjects in order. She was not so professional, I really dont judge people are people, only until the day we were ready to move forward with the writing this in stone process, the XXXX thing was she made very Discriminating comments and suddenly refused to service us. I was so confused, I mean this loan XXXX called me about XXXX times that morning to get the paperwork in order in a timely fashion and all of a sudden it was like something came over her and it was completely not happening! I actually thought she was joking I mean this occurred in the same sentence, she giggled and blamed her supervisor who which by the way ( did not take part in any conversations with us ) she gave no explanation what-so-ever nor did she try to work with us further. I was told that theres always a XXXX XXXX XXXX each and every customer to customize and theres always some kind of option on the table, these were her words!!!! I cant stress enough How XXXX I was to get a XXXX XXXX in my XXXX from a very reputable company. Okay this is not a backyard broker & considering all the money I have saved in the bank/ the investments i currently have/ a XXXX-time job/ a husband that worked XXXX years at a company with a full XXXX, a house that has over XXXX of equity in it and fairly decent credit scores, needless to say this was the most XXXX  & XXXX experience Ive ever had! Unbelievable and so disappointing. I was scorned for awhile & did not understand what triggered this, I mean there job is to go over options! That was not discussed, it was just a XXXX  & a few XXXX comments treating me like a XXXX rate XXXX, I could not believe it. Anyways, that company was not worth fighting for because now have a very awesome mortgage refinance company that Im working with happily, however now that Ive moved on Justification says this behavior needs to be outed.
Product: Bank account or service

My complaint is with US Bank. I have a checking account with them as part of an arrangement for disbursement of assets from an inherited Trust. I am trying to set up a way to transfer money from that account to my main bank account with the XXXX XXXX XXXX XXXX. After an extensive verification process to link an external account that took 3 days, I was finally able to go online attempt to transfer funds, starting with a test transfer of {$1000.00}. To my dismay, they charged me {$3.00} for the privilege. The funds did not show up today, so I called them and they told me it takes 3 days for a transfer to occur. So they want to charge me {$3.00} per transfer and it is not even a same day transaction?! I think this is an abusive rip-off. Can you please look into it, and let me know if I have any recourse? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30-day-late mark on my credit reports from my ( closed in mid-XX/XX/2019 ) Citi AAdvantage Platinum Select World Elite Mastercard ( XXXX XXXX XXXX XXXX ). I had not used the card for all of 2019, and had the {$95.00} annual fee post on the card on XX/XX/2019. I called Citi in late XXXX/XXXX  XXXX before it was due to have the annual fee taken off and the card downgraded to the fee-free ( AAdvantage MileUp ) version. 

When I spoke with the representative, they explained the change process, and understanding it would take some time, I specifically asked when the {$95.00} annual fee would be taken off. I know that sometimes it takes a couple billing cycles before an annual fee or other charge is removed, so I specifically asked do I have to pay the {$95.00}, or will it be taken off before it is a problem? I was told by the call center representative that the fee would be taken off ASAP, and t

hat I did not have to pay it or do anything further. Because of this, I obviously never paid the {$95.00}, having been told it was going to be removed before it affected me, and thus got a late mark on my credit report. I think it is self-evident that, having always paid on time with Citi and every single other bank ( zero late payments on my credit reports other than this one ), I did not pay it because I couldnt
afford it, I only didnt pay because I was specifically told that I did not have to. The {$95.00} annual fee was the only charge on the card at the time ; there werent any other charges for the entire year of 2019. I also have a letter sent to me by Citi ( see attached ) that clearly states I scheduled the card to be downgraded to a fee-free version on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under XXXX XXXX until the end of XX/XX/XXXX. The mortgage company said they had mailed loan modification paperwork but I never received it. After XXXX calls to the mortgage company they continued to to tell me that I was under XXXX XXXX and that they had re-submitted the account for loan modification. In XX/XX/XXXX I got the loan modification paperwork from the mortgage company, and got it sent back to the mortgage company. In XX/XX/XXXX I began remaking payments. The mortgage company is reporting to the credit bureaus that I was XXXX XXXX  in XX/XX/XXXX and XXXX XXXX late in XX/XX/XXXX, and they also reported an amount that was past due. This has affected my credit and also caused a credit account to be closed when I had always made payments to that credit account.