23daVinci/CFPB_Complaints huggingface dataset:
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.

US DEPT ED # 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: Mortgage

I am a XXXX with XXXX XXXX filing this complaint on behalf of my client, the buyer, XXXX and XXXX XXXX. 
We received our executed contract on XX/XX/2021. The Loan officer, XXXX XXXX XXXX, was involved days leading up to the executed contract as expected. Closing was set for XX/XX/2021. The house was a manufactured home that needed to be retrofitted for the appraisal. The seller had limited funds so the retrofit company agreed to be paid at closing from seller, but needed an appraisal done on the property first. We knew this information on date of offer acceptance, XX/XX/2021. The appraisal was not ordered until XX/XX/2021 with no rush order attached. Myself and listing agent XXXX XXXX raised our concerns about this and asked for a rush order. XXXX refused to put in the rush order, saying it was the sellers fault for not having the property retrofitted prior to listing. I tried paying for the rush order myself, only to find out that I couldn't. XXXX would then refuse to speak with the listing agent and put me in the middle of communications. On XX/XX/2021, the appraisal had still not been picked up or scheduled, and the file had still not been worked appropriately, so we had to fire him and move to a different lender. 
XXXX then called me, and asked me why we were going on with a different lender. He had been condescending and rude to me and the listing agent and disrespectful to my clients by talking about them rudely to me. I told him that the appraisal was an issue among the communication and unprofessionalism and he said to me, " Well I will make sure to put all this back on their credit, and good luck closing it. '' and then hung up on me. He then proceeded to email my client with the email and text message that I will attach. 
My client called me crying asking me if he could do anything to them to cancel this deal. She had no concept of what was happening in this loan process and the new loan agent told me that there was still three weeks worth of work when we were set to close within 10 days. 
Please let me know if you need any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX banking - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Report states that I owe XXXX {$310.00} is the balance. On XX/XX/XXXX I paid {$190.00} on my XXXX account which was the final amount due. 

I have attached proof that I paid this account in full and the balance is {$0.00}
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that i've found 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 DEPTEDXXXX XXXXXX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Product: Mortgage

I purchased my condo in XX/XX/XXXX and XXXX XXXX  bought my loan from my original lender. Then my loan was sold to Ocwen years later. I did a loan modification with Ocwen when the crash hit. After sending them documentation numerous times over MONTHS, they finally said it was all going through. I was getting a loan modification with principal forgiveness, or so I thought. The modification was done yrs ago and all this time I thought my loan modified according to the forgiveness terms of HAMP. 
After owning my property 20 years, I sold it this week. At closing I was informed that my loan payoff was $ XXXX+ AFTER 20 years of paying on the loan which began at {$150000.00}. But then came the real bombshell. I was told Ocwen added a {$35000.00} deferred principal balance to my payoff amount. This made my loan payoff at closing OVER THE AMOUNT of my original loan 20 years ago! I WAS MORTIFIED. 
When I called the Ocwen Ombudsman department to ask about it, I was told that I didnt actually get the [ principal forgiveness ] loan as indicated and what I was told I signed. The reason they gave was that they did not receive all the necessary documents from me! I SENT THEM MULTIPLE TIMES OVER SEVERAL MONTHS! 
Anyway, I have been the victim of predatory lending and I also believe Ocwen forged or robo-signed my documents. I am a paralegal and I would have NEVER agreed to a {$35000.00} deferred principal balance.. I need help to get my {$35000.00} back that I had to pay at closing this week. I am a single mother and this has been an unbelievably stressful situation. 
Thank U for any help U can give as I am aware of the suit filed against Ocwen in XX/XX/XXXX and I want to know if my loan can be included in this recovery effort. Thank U in advance for your help in this matter!
Product: Payday loan, title loan, or personal loan

I opened a personal loan with Lending Club ( Loan # XXXX ) on XX/XX/XXXX. 
I made an additional payment to the principal via check on XX/XX/XXXX. This payment was credited solely to interest, despite being properly identified as a Principal Only payment, and per the Lending Club published FAQs. I contacted Lending Club via email multiple times to correct the error, and received no response. On XX/XX/XXXX, I contacted Lending Club via XXXX, and was promised the payment would be corrected and applied as of XX/XX/XXXX. This would take 5-7 business days. 
On XX/XX/XXXX, I logged back in to see payments made on XX/XX/XXXX, and XXXX, XXXX were reversed and reapplied on XX/XX/XXXX. Also a payment made to Principal only on XX/XX/XXXX, was credit to interest and principal. 
I contacted Lending Club and was told the following by their General Payment Customer Service contact center agent who identified himself as Judge : Lending Club will not provide Payment Statements to customers The information on my Payment History online is incorrect Lending Club will not provide a corrected version Lending Club will not send me an email saying my account information is correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX still reporting on a debt that is past 7 year law
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan and the place of business has indicated they can not find my credit report on Experian. I have contacted them several times they informed me they have two systems. One which shows no credit history and a back system that has my information. The credit union in which I am applying for the loan through says my report continues to say that I have not credit. The program they use will not access the backup Experian system. This is taking too long to fix, as this is not a problem I have caused, but one on Experian 's side. The lack of communication and not being able to proceed with the car purchase is unacceptable on there part.
Product: Credit card or prepaid card

Chase levies an automated late fee on my XXXX XXXX XXXX because it fails to credit payments as advertised, the same day that they are made, when they are paid electronically directly from my JPM checking account. When asked about this failure before and when I complained in the past about this, Chase claimed that it automatically issued a credit to offset the late fee. 

I just looked at my credit card account online and Chase is failing to do what it claims it does. While it has an automated late fee debited to the account, no automated credit made simultaneously is being made. As I indicated in previous CFPB complaints about this card, Chase rapidly debits the account while credits lag behind, if they are made at all. 

An electronic payment of {$440.00} was made from my JPM checking account on XX/XX/2019. This was the payment due on that date. Nevertheless, a late fee of {$25.00} was debited to my account on the same date with no credit made at the same time to offset it. 

Why is Chase allowed to automate phony debits and lie about issuing offsetting credits? Credits are not automated and tied directly to phony debits, as Chase claims. 

Why is Chase allowed to falsely advertise that payments made between two JPM Chase accounts are credited the same day that they are made? This is a multi-national, multi-billion dollar company. Why does the CFPB tolerate tiresome, hackneyed " back office '' excuses from such a company that will not invest in lawful automated systems? Why is the CFPB complicit with Chase ripping off millions of US citizens? 

Why isn't the CFPB enforcing the law and effectively protecting the public from widespread, habitual, and wanton gouging by Chase?
Product: Bank account or service

On XXXX XXXX, 2016 my father died. He had a certificate of deposit with Bank of America. My brother and I qualified as co-executors of his estate and on XXXX XXXX went to a local branch of Bank of America to close his account with our proper identification, a death certificate and letters testamentary issued by the court authorizing us as personal representatives of the estate. We were not allowed access to his account and were told that a " case manage would contact us within a few days to give us our options ''. I am an probate attorney who regularly closes accounts at various banks in North Carolina and I have never been denied access to an account when presenting the proper documents.
Product: Debt collection

Because I have a common last name this company calls me daily looking for an individual that is not at my residence. I have called the number they provide to have them stop and I have been advised to call a new number. This appears like a fishing call so did not pursue. Tried to ignore so they would relize it was ineffective but they have not. I shouldnt need to call a number, they should know by their records where to call. Have not done business with them, they call DAILY or close to it, for more than a year. Please make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions I have tried to dispute inaccurate information on my credit with Equifax all to be told every day they are experiencing technical issues with their dispute process. None of the other credit bureaus would have allowed these issues. 
I have mailed documents certified mail and they have told me they have not received the information. At this point, I feel as though they are doing this on purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX last four Social Security number is XXXX, DOB : XXXX  Please delete the following accounts 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: Debt collection

on XX/XX/XXXXXXXX XXXX XXXX XXXX, a debt validation letter was sent out to experian on my behalf. It was a notarized second attempt with an open dispute that has yet been addressed. The third attempt has been sent out, and a response has been awaiting.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was interacting with a XXXX XXXX on XXXX to purchase a XXXX XXXX XXXX. I was told that the price was XXXX for the XXXX. They asked me to send it through PayPal and would send me the tracking number. I sent the money through XXXX on XX/XX/XXXX. Took a Screen shot. I inquired the next day for the tracking number and heard nothing back. I kept on asking and was eventually blocked by this XXXX User. I reported it to Paypal, and was told they could do nothing. I have been scammed out of XXXX. I'm hoping you can help.
Product: Payday loan, title loan, or personal loan

Awhile back I obtained a online payday loan. With a myriad of papers to sign and in a act of desperation i did not read everything and signed. Out of no-where i receive a wage garnishment paperwork in the mail and my pay stub for the current pay period and has already began taking money from my paycheck without a court order.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Debt collection

I have no knowledge of this debt from optimum outcomes for the amount of. XXXX
Product: Money transfer, virtual currency, or money service

I initiated 2 transactions via TransferWise Ltd XXXX  Transaction 1 : XX/XX/120 USD Transaction # # XXXX Transaction 2 : XXXX Monday XXXX USD Transaction # XXXX Recipient : XXXX XXXX Recipient Country : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX. 

1 ) I contacted first progress in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX was investigated by XXXX XXXX XXXX? XXXX -- XXXX Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as DeVry, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my Fed. loans of over {$200000.00} were discharged and my credit repaired. My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After I received the message from Navient that I qualified for the school misconduct application to be sent to me, I filled it out and printed off copies of evidence of school misconduct from XXXX then sent in my application. 
I received a reply back on that I was denied for multiple reasons but they did not tell me a specific reason why my application was denied even after all the evidence I provided. It is a well known fact that XXXX is a school that has had misconduct for years but I have paid over {$38000.00} to Navient since XXXX, I still owe {$20000.00} and have never been in default and was still denied without a specific reason. My original loan balance was only {$21000.00}.
Product: Debt collection

I, XXXX XXXX, is requesting information from Berlin Wheeler in the correspondence below. As i requested information from them via fax and still have not received a response.
Product: Bank account or service

I opened an ( online ) Synchrony bank savings account and Synchrony proceeded to mail letters with my FULL SOCIAL SECURITY NUMBER, obviously along with my full name and address. My birth date may have even been on the letter as well. After contacting Synchrony to file my complaint, they indicated that they had sent out several other letters with my full social on it. I only received the XXXX letter with my social and am extremely concerned the other letters with my social were intercepted. I would n't be so upset if it was only the last XXXX of my social. But the full social is ridiculous.
Product: Mortgage

We refinanced our mortgage with JP Morgan Chase Bank in late 2015 to try and take advantage of lower interest rates and lower our monthly payment amount. Chase was the holder of our mortgage at the time, so we believed that refinancing through them would expedite the process and hopefully prevent any miscues. 

Throughout the refinancing process, we repeatedly asked to ensure the repayment terms we received were accurate and would not change over time ( When we originally purchased our house, our mortgage payment through Chase changed dramatically within one year of purchase because our escrow account was overdrawn. Four years later, we made clear that we did not want history to repeat itself ). We worked first with the mortgage broker and then his supervisor ( at our request ) to ensure that the final mortgage payment amount they provided us was accurate. They had our existing mortgage paperwork and account details to work from -- and could clearly see what taxes we had to pay. We questioned it at every turn and explicitly inquired about the accuracy of their escrow estimate. The XXXX individuals who we worked with assured us that their final dollar amount for our monthly mortgage payment was accurate. As a result of refinancing, our monthly payment amount dropped from about $ XXXX/month to about $ XXXX/month. After nine months of making on-time payments, Chase informed us that our escrow funds were insufficient and that we now owed {$4100.00} to make up the difference ( payment due in about 40 days ). Chase also informed us that our monthly payments going forward would be $ XXXX/month if we did n't immediately pay this difference and {$1100.00} a month if we did. We would have never refinanced at these monthly payment amounts, which are not significantly different than our original monthly mortgage bill. At this point, we have potentially increased our monthly payment amount, extended the number of years we have left on our mortgage and are out the money we paid for the refinancing process. The worst part of this is that we were very clear with the Chase employees who we dealt with throughout the refinancing process that we did not want our monthly payment amount to change one year after signing their paperwork and that we were concerned that they were not estimating our escrow account payments correctly. They repeatedly ( and, we feel, very deceitfully ) assured us that all of their itemized calculations were correct. We would never finance a mortgage or refinance a mortgage through Chase again and warn anyone against doing so.
Product: Student loan

Corporate entity claims I a living man and beneficiary owe XXXX without providing proof of claims against me a man