23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax continues to report inquiries that are not mine. These inquiries are causing me damages and to be denied credit. I have not given any of these companies my personal details for them to access my private consumer file and Equifax allowing this behavior is a violation of my rights. Remove any names other than XXXX XXXX XXXX spelled exactly as stated my only legal mailing address is XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX there should be no other addresses if so delete them immediately and remove and security freeze and or blocks on my profile immediately. Dont ask for my identification because it is attached to this complaint so take note of it so you will not be sued.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 my home computer screen was hacked by someone allegedly assisting with a problem. The screen went black and then it was all gone. I had no control over the situation but immediately suspected fraud. I contacted my bank within minutes and indeed a transfer had just been sent. This was not instigated by me and not authorized by me. I drove to my branch right away but there was apparently nothing they could do. My own branch was helpless! My wife and I have made dozens of phone calls to Wells Fargo since the theft and all end up in frustration and many hours of wasted time as if the representatives are only trained to frustrate and deflect. In subsequent calls Wells Fargo has admitted the fraud and that this was unauthorized, but, to date not a single penny has been returned to my account and Wells Fargo remains unwilling to resolve this. I have resisted any formal complaints, having once had faith in my bank, but I am left with no options. I simply want my stolen money returned.
Product: Debt collection

I have Federal Student loans that were serviced by Navient/Sallie Mae starting in roughly XX/XX/XXXX, but perhaps prior to that date. Of course, I had no choice in the matter as to whether I wanted Navient/Sallie Mae assigned to me. During Navient/Sallie Mae 's time as my servicer, I made payments that I was led to believe were Income Driven Repayments which were verbally certified to me as such by Navient/Sallie Mae 's customer service teams. The reason for me choosing IDR payments were twofold : 1. So that I could manage my personal budget better ( I am a XXXX XXXX XXXX and could not afford the monthly payment ) and ; 2. So that I could be eligible for the Federal Government 's PSLF Program ( Public Service Loan Forgiveness ) which was signed into law in XX/XX/XXXX.

When I recently was contacted by my new servicer regarding my PSLF status, I learned that Navient/Sallie Mae reported that I had made XXXX ( XXXX ) qualifying payments, which is completely contrary to what they were leading me to believe I was doing from the time period when they were my servicer. When I have contacted Navient, they deny any records and claim that I have to contact Sallie Mae, and vice versa. Furthermore, Navient/Sallie Mae reported to my current servicer that I was in forbearance during periods of time which I believe are inaccurate. I am acquiring bank statements to prove this fact. Navent/Sallie Mae should credit me with the proper qualifying payments, and if need be count my payments that were made during forbearances that I did not request.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I discovered my XXXX XXXX checking account to be almost -- {$1000.00} after being a victim of a scam. Unfortunately, I fell for a scheme where they offered me an internship via my school email. I filled out an application form for the position and was shortly contacted via text message for an interview. They asked typical questions about work experience and explained what the internship role entailed. They claimed they would provide a laptop and hotspot in order to get started, so they deposited a check of {$1.00}, XXXX and asked me to transfer the money to pay the vendor in order to receive the equipment. I did multiple transactions on Zelle ranging from $ XXXX {$500.00} before the check was returned, leaving my account in negative. Upon the realization of what occurred, I contacted my financial institution to report it and they even explained how it should be resolved as it was a frequent scam tactic occurring at the moment. Claims were made for each Zelle transaction, but I found out after reaching out again that they had been denied by the banks and the company and ultimately there was no way to get that money back.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and 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 maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.
Product: Debt collection

I was approved for three separate loans from this company to finance the dentist   charges and All three debts Are Paid off In Full** This company makes monies by charging fees and or interests rates on loans Not Paid on their due Dates which I was and am Fully aware -so as not to incur any additional charges I inquired several times ( contacting this company ) of the third and last loan in Order to pay either on time Or in advance : I was told which dates to pay and complied ( BY PAYING ON THE DATES OF LOAN APPROVAL ) Also this company allows either 18 mos. to pay off Loans or One Yr. -I chose the One year plan in order to complete this transaction ASAP** Well after the loan was paid off ( 1-Year later ) I got charged late fees.. I contacted the company right away inquiring WHY? and was told it was due to late payments which I never received notices beforehand of such ridiculous tactics especially after paying All Three loans off in due season*** I could have easily re-adjusted the dates had I known or was warned beforehand** Each time of my complaint I was told they would forward my issue/complaint to the Sub-committe//Examining board for Review but each time NO feedback after 30 days explaining the unfortunate error* HOWEVER I Still received mailing of increased Amounts due***<><>< I will enclose messages of the conversation and summaries of the results each time Ive spoked with the Supervisor ( XXXX   ) and Representative ( XXXX ) including Dates************************** ******************************** I TT W ITH A SUPV ( XX/XX/2019 ' ) NAMED XXXX  WITH SYNCHRONCY BANK ABOUT LATE/INTEREST FEES THAT'S NOT DUE ON MY ACCT. @ THE BANK KEPT CHANGING DUE DATES WHICH I SUPPER IMPOSED IN ORDER NOT TO HAVE A LATE FEE FOR A YEAR. AND IN FACT I ACTUALLY PAID THE AMT DUE IN A YEAR VS. 18MO 'S OF THEIR INTEREEST FREE CARE CREDIT -I PD. THE AMT IN A YEAR. VS. 18MOS -THEREFORE THIS GOT TRF TO A COMPLAINT COMMITTEE-SHE SAID IT COULD TAKE UP TO A YEAR. *** I'M NOT TO BE C HARGED INT. ON THE SUPPOSEDLY BAL WHILE IN THE COMPLAINT COMMITTEE. -- WHAT'S THE RESULT**MY FIRST REP I TT WITH WAS XXXX WHO ASKED IF F I PAID {$84.00} HOW WOULD THAT SATIFY ME* XXXX SAID IF I PAID {$59.00} IT WOULD BRING IT DOWN TO {$180.00} AND SHE WOULD CANCELL THE DIFFERENCE FROM {$240.00} TO $ XXXX CALLED AND SPOKE WITH XXXX @ CARE CREDIT XX/XX/2019 ' THURS * @ XXXX AND SHE STATED SHE WOULD REFILE THE COMPLAINT AND THE PHONE DROPPED* SHE SAID SHE UNDERSTAND THECOMPLAINT TO BE '' I DON'T OWE A BAL. SINCE ALL HAS BEEN PAID OFF**><><>
Product: Credit reporting or other personal consumer reports

The Credit Reporting agencies specifically XXXX, XXXX, and Experian has not required XXXX XXXX to legally verify debts. This company is allowed to present documents with no signature as proof. They have removed information and then put it back on reports. This is also against the guidelines of the FCRA. How is it possible that EVERYTHING comes back verified. Consumers should know that these companies are paid by subscribers including debt collection agencies. XXXX XXXX has been sued and lost several times relating to fraudulent business practices.
Product: Mortgage

My home mortgage and escrow account have been managed by Select Portfolio Servicing since I purchased the home in XXXX. We have been at the same address the entire time and our accounts have always been paid up to date. 

In XXXX of XXXX I received notification from my city that we had unpaid property taxes from XXXX of XXXX. I investigated and found out that Select Portfolio Servicing began working with a new escrow management account at that time, and they only paid property tax for the first quarter instead of the full year so our taxes were delinquent. Select Portfolio Servicing claimed that the delinquent taxes had been paid in XX/XX/XXXX ; however our city never received payment. 

I spoke with the city and they proposed that we ask for a " stop payment '' and to have the payment resubmitted since it was never received. This proved impossible. I spoke with representatives and management at SPS on 5 separate occasions in XXXX and XXXX ( XX/XX/XXXX, XXXX, XXXX, and XXXX, ) explaining that the tax payment was never received and asking for it to be resubmitted. I provided them with the direct number for our city tax office so that they could verify this information. This did not happen. Every time I called back to check ( on a weekly basis, ) I was told that the case was " under research '' or " had been closed because the payment was already sent. '' At the end of XXXX, I wrote a personal check to our city for {$2600.00} to bring our tax account up to date because otherwise our property would have been listed for tax sale. The {$2600.00} that was taken from our escrow is still unaccounted. I spoke with SPS on XX/XX/XXXX and explained the situation to the representative XXXX XXXX XXXX and he assured me that this issue would be corrected and I would be refunded for the missing {$2600.00} within 7-10 business days. 

Today on XX/XX/XXXX I called SPS to follow up on the case and found that it is still " under research '' and that the tax branch is " waiting to receive a refund '' from our tax office before they can issue the refund to me. This is obvious nonsense as there is no refund coming and they are the ones who lost the money. They can verify this with a simple phone call to the local tax office but they obviously haven't done that. Every time I call, I'm told that the case is " under research '' and no answer is possible. The representative today ( XXXX XXXX said that I shouldn't have been given a timeline of 7-10 business days because no timeline is possible.

I am very concerned that this company has no intention of repaying the {$2600.00} that was either lost or stolen from my escrow account, and calling them to go through this on a weekly basis has been time consuming and very frustrating. I saw on Consumer Affairs that MANY consumers have had similar problems with this company, and one consumer mentioned that he had good luck reaching out to CFPB, so I am hoping that you can help me in regaining the hard-earned money that was lost by this company.
Product: Debt collection

Last fall, XX/XX/XXXX, I was contacted by Cedar Financial agency about a debt for the office of XXXX XXXX XXXX  for {$800.00}. This was for a debt incurred circa XX/XX/XXXX-XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. But XXXX XXXX 's office located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX claimed the debt was from XX/XX/XXXX ... they created an " new '' invoice for the old debt from XX/XX/XXXX/XX/XX/XXXX dated XX/XX/XXXX. I have not been to his office since XX/XX/XXXX. 

Per their invoice, this is for XXXX storage annual fee. However, when they tried to collect this debt from me during my bankruptcy in XX/XX/XXXX, I told them to destroy it, that I was no longer interested in the storage service. Yet, somehow, suddenly in XX/XX/XXXX, the storage has been " resumed '' even though it had not been charged, nor billed since XX/XX/XXXX. 

XXXX XXXX 's office is lying about the date of the invoice and the credit collection agency has not properly validated the debt with some proof of service with my signature ( which obviously does not exist since I haven't been there since XX/XX/XXXX ). 

Further, it states specifically on the invoice ( attached ) that per our contract, if they had not heard from me within 90 days, the contract states that the XXXX would be destroyed. I had not been to their office since XX/XX/XXXX, nor paid any bill, so per the contract, they would have had to destroy the XXXX in XX/XX/XXXX. 

I contacted Cedar Financial at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and informed them of the above. I did not hear from them again. Now, I just checked my credit as I'm about apply for a home refinance and there is a collection on it. I spoke with them on multiple occasions last fall requesting proof of service on the invoice date. They did not ( could not because it did not happen ) provide it, yet placed my account for collection anyway. 

I have disputed this with the credit bureaus, XXXX & XXXX, but have not received a response yet.
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 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. 16815-2 ( AN1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax and XXXX provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need this account removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such. 
XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Student loan

XXXX parent plus loan..paid on time for 5.5 years..bills stopped. 
XX/XX/XXXX2018. Found a new ffel CONSOLIDATED loan done online in my name I did not initiate now getting IRS OFFSETS tis how i found out..ruined credit..3 months of different collection groups..tid bits of info..i requested a computer address of the loan..no info i requested a discharge got denied
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed an account via notarized Affidavit stating the multiple inaccuracies. The account was not FCRA COMPLIANT nor in compliance with the METRO 2 guidelines. I pointed out the incorrect and untrue reporting with no rebuttal beyond the 30 days allotted. No rebuttal to an affidavit stands as true in the eyes of the law. Ive notice this account fluctuates in dates which manipulates the statute of limitations also. I feel I am a victim of identity theft and I request a block of this account. According to federal law I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted according to federal law 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me revenant to the request to block the identified transactions. The identified transactions are not info related to any transactions by me as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report and file within 4 days from the date of the receipt of this notice. I look forward to your response. 

6802 gramm-leach Bliley act grants me the right to privacy and confidentiality.

I Never opted in and gave permission to use my private information and The four identifiers that are required to block the following information is included. 

Please remove/delete/block the following accounts ; XXXX  Pref Lease
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the complaint XXXX. The answer from Experian is grossly inadequate and does not apply to my complaint. My new complaint now is that EXPERIAN NO LONGER HAS A WAY TO FILE A DISPUTE AND THEIR PHONE NUMBER IS A USELESS RECORDING. They also flat out lied when they claimed that they never give out information on how to raise one 's score. I'm on their site now and am looking at a promo for a card right now saying it will help boost my score. So they lied right there. These credit reporting companies are nothing more than extortionists for hire.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act of 1974 ( FERPA ), otherwise known as the Buckley Amendment, was passed to protect the privacy of XXXX XXXX educational records. It gives parents and students who are 18 years and older the right to access their records. It also requires that parents or eligible XXXX give permission before their information is released to a third party, except in special circumstances like transferring schools or a health emergency. My current XXXX loan servicer XXXX XXXX and the Department of Education, is in violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) because they have been reporting my loan information to third parties. This information is to be removed from my consumer credit reports effective immediately.
Product: Credit reporting or other personal consumer reports

In XXXX, I made a purchase of a XXXX  with the financing provider of Yamaha XXXX XXXX, in which due to the XXXX pandemic, I was affected by not being able to pay the fees of that XXXX. 

This account was then paid in full along with the outstanding interest and when I call the agency request that please this negative account that appears to me as a collection in my credit report, request that it please be modified or deleted since it negatively affects my report but the company as such does not affect it. 

I understand that the accounts can take several years to reflect but the information they provide to the XXXX  XXXX  is inaccurate and incomplete so I kindly ask that it be corrected and deleted from my report.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX was taken out of my personal account twice. I requested the additional XXXX to be credited back to my account and Kohls stated they had to sent it in a check form. As of XX/XX/XXXX I still had not received the check for the XXXX as when I requested the check on or around XX/XX/XXXX my account balance for Kohls was XXXX. I called back in the middle of XXXX to ask where the check was and was told to wait till the end of the month. I called again in the middle of XXXX as I still had yet to receive the check and they stated they would be sending it again. On XX/XX/XXXX My payment due balance.was XXXX. As of XX/XX/XXXX they recharged me XXXX two times and added late fees to my account on top of a purchase I had made for XXXX XXXX  sales. I never received the XXXX XXXX  sales purchase as it never left the warehouse. I called to request a refund and never received one and also also called to ask about why I was charged twice for XXXX. The issue was not resolved and I was told to fax my bank statement showing I was charged XXXX from my bank account. I faxed that information. They then in return took off one of the XXXX charges but not the other one. I have called every month since then asking for the check to be sent and each time I am told it is being sent. As of today, it has not been sent and I am not being charged late fees on top of the money that I never owed. I have called to try to find a solution but they do not offer one. I need this fixed asap.
Product: Credit card

I applied for a XXXX XXXX XXXX credit card from Chase on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before I could open the account. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I 'm not sure how, but Chase was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. When I completed the verification on XXXX/XXXX/2015 Chase placed a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that one of the inquiries be removed. Chases agent was adamant that Chase would not remove the second credit inquiry from my credit report because it was " Not done in error '' I understand that every inquiry is part of the process to review an application. While I did authorize Chase bank to run my credit report ONCE, they were somehow able to pull my credit information from XXXX prior to my authorization and a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.