23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

American Education Services ( AES ) is a student loan company that does not work with you and I feel the loans that they are asking me to pay are not associated with me ( XXXX in total ). I have XXXX check stubs as well as XXXX deposit slips for the loans I have obtained from them but no record of the other XXXX loans. I requested my promissory notes for all the loans because I have no record of that ever being signed and I have no copies for myself. When I requested them they sent me application signature pages from applying to the loans. Which raised red flags in my book. I consistently call to ask for help but no help is ever received. My loans are now in collections and is destroying my credit. I have become so XXXX from the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Balance {$43.00} Opened XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

hard inquiries on my credit report didn't get my permission run my credit i suppose to have a fraud alert on my accounts
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer service, and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX data breach and inaccurate information needs to be removed.
Product: Mortgage

As I should have known by now, bank of America is not answering my calls and not responding to messages! I was told just a few days ago by a b of a representative whose name was represented as XXXX XXXX that equator file had been opened on XXXX XXXX, I called my realtor and was told that it had not been opened and as of today we are still unable to download the information the bank requested! This complaint is in addition to the XXXX other complaints filed in the last few months! Listed are complaint numbers XXXX and # XXXX and # XXXX. Among the people that were said to have been working on my behalf that I have never had any contact with in spite of numerous efforts are XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I did however speak with a guy named XXXX whom I felt would be helpful. These are in addition to numerous other people that did nothing to solving the problems! Please bear in mind that I called b of a in an effort to resolve the issue, and have presented all the information they requested!
Product: Payday loan, title loan, or personal loan

I received a line of credit at XXXXXXXX XXXX XXXX XXXX through Fortiva Retail Credit in XX/XX/XXXX. I was told that as long as I paid off what I owed in a year 's time, there would be no interest. I paid off the loan on XX/XX/XXXX. At no point was I told about any additional steps I needed to take to close the account. 

In XXXX of XXXX, I received a text message indicating that I owed {$30.00}, which was confusing to me seeing as I had paid off the loan months earlier. I went to check my account online and confirmed that I had paid off the loan. Thus, I believed the text message to have been sent in error. 

Since XXXX of XXXX, I have continued to receive notifications that I owe additional money in {$30.00} increments. At that point, I called Fortiva 's customer service line and was told that I was being charged an annual fee as well as a $ XXXX  monthly fee for keeping the account open. When I signed up for this line of credit at XXXX XXXX XXXXXXXX XXXX, not only was this not explained to me, but I was not even told that the line of credit would come from an external company rather than from XXXXXXXX XXXX  itself. In the end, I was told that the only way to close the account was to pay the money I allegedly owed. 

Fortiva Retail Credit and its policies are predatory in nature. The company deceives its clients in an effort to extort them out of money, even when they have paid what they owe on the loan.
Product: Mortgage

MrCooper engages in misleading business processes in processing customer mortgage payments. When my mortgage was transferred to MrCooper I made my initial payment/interest payment on XX/XX/2021. MrCooper sent me a notice that I could initiate automatic loan payment procedures. I establish the automatic loan payment and MrCooper within days took another payment from my checking account. Thereby I had paid principal and interest through XX/XX/2021. On XX/XX/2021 MrCooper made another automatic payment from my checking account, effectively taking my principal and interest payment yet another month in advance through XX/XX/2021. 

On XX/XX/2021 I engage MrCooper support personal and asked for a resolution, stating I think it unfair that MrCooper take advance payments and hold my money for months in advance. MrCooper personal offered that they would within 24 hours apply the XXXX interest to principal, which I accepted. On XX/XX/XXXX, I used MrCooper on line chat feature and the MrCooper representative said the transaction would be applied with 24 to 48 hours of the date the request was made. On XX/XX/XXXX, I again engaged MrCooper and they said the transaction would be completed within 5 to 7 days of when I had made my initial request.
Product: Mortgage

Spouse fails to meet deadlines for refi Spouse fails to meet deadlines for assumption Spouse fails to pay home, stopping payment during assumption putting loan into modification I completed modification Requires spouse to sign to " official complete " modification for deliqunency to be removed so I can assume loan Spouse refuses to sign loan modification I have live in home entire time over 7 years  Spouse  moved out  XXXX / XXXX /  XXXX   I paid all bills Spouse causing harm I provide safety, security provide shelter to  alll   XXXX  children and  XXXX  child has   XXXX     XXXX   XXXX , renovated home and purchase and a air condition system specifics for   XXXX   XXXX   XXXX  control humidity to prevent  XXXX  illness from worsening The fair right act Causing harm to family
Product: Credit card or prepaid card

Statement showing PAYMENT DUE DATE XX/XX/XXXX//SUMMARY OF ACCOUNT ACTIVITY Purchases {$0.00} INTEREST CHARGE CALCULATION Purchases//Balance Subject to Interest Rate $ XXXX I Processed phone payment XX/XX/XXXX {$400.00} with agent discussed plan to stop making purchases in order to maintain XXXX purchase balance. Agent reversed {$0.00} Interest Charge. My Letter dated XX/XX/XXXX to NFCU. Reply from NFCU indicates reduction in cash limit. Nothing concerning interest over charge interest calculation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have XXXX single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

On XX/XX/year>, I made my monthly auto loan payment over the phone with a XXXX XXXX representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX XXXX monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by XXXX XXXX investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/year>, monthly payment. 
As a direct result of XXXX XXXX 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on Equifax, 30days late on XXXX, and 30days by {$89.00} on XXXX. These reporting are very inaccurate and inconsistent.
Product: Credit reporting or other personal consumer reports

Equifax resulted in a massive breach, along with XXXX, and XXXX. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

XXXX XXXX XXXX XXXXXXXX RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TransUnion. XXXX, TransUnion has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 XXXX, Equifax, XXXX received a hard inquiry by XXXX hired by XXXX regarding an application for a reverse mortgage. I have shielded my credit to insure only authorized requests by me. I received an alert from XXXX to let me know there was an inquiry. I asked my loan officer if he knew the company and said yes. I spoke to XXXX and said that XXXX had requested it. Unfortunately, thereafter, I began getting texts, mail and voice mail from unauthorized loan companies. I also received in writing today with detailed information about my balances, original mortgage company ( it's on a servicing account, currently ). 
I have a blocked and private cell phone. I only give out personal information to companies I choose to do business with. 

I was told that credit reporting companies sell reports from credit bureaus. Then sell consumer information to mortgage companies. I've tried calling and there's no fax or email to the credit bureaus. Mailing would take months to resolve issue. I have a right to privacy and protection. 

My hard earned credit and private information should not be allowed, sold or shared to unauthorized companies, without written authorization by consumers. I've also gotten solicitations and have seen companies which did a " soft '' review without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Quicken loans because they kept calling me many times a week regarding refinancing my loan. I spoke to hey nice gentleman named XXXX who informed me he would take me off the list and that there was no need for me to refinance right now anyway since I was at a good rate and paying it off quickly. 

Soliciting Calls continued. So I called them back I spoke to a man named XXXX XXXX who gave me a big sales pitch on how I should refinance and why. I told him I suppose I could have more information if he would send it to me in an email. He said no problem and took down my email address and gave me a sales pitch on how much money would save me. He tried to get me to sign forms online without reading them in person. I told him I wasnt willing to do that and he needed to send them to me by email. He agreed. He was very pushy. 

I received the email and just as I did I also received a notification from XXXX XXXX that my credit score had a hard-hit. I absolutely did not give his permission for a hard credit hit. I am in the process of purchasing another home as a cabin and this could hurt me. I would like this removed from my credit report but XXXX XXXX tells me he does not have the power to do that though he is sorry that he pulled it without my permission.
Product: Mortgage

b of a botched my refi. they dragged it on for months, claiming issue was name change. when we went to closing, name not changed, bad number given for contact, rates had gotten lower. they variously spammed me with email I did not want, refusing to stop, yet refused to provide contact email for the responsible parties/ refused to respond to email. their customer service is terrible. I have asked them to fix the rate and/ or refund fees, which they did not earn based on the terrible experience with refi. they refuse to be held accountable. innumerable phone calls, emails, faxes, letter, withholding payment have not led to resolution. they unilaterally instated escrow against my express wishes to the contrary. they refuse to be held accountable
Product: Payday loan, title loan, or personal loan

I have repeatedly requested the link to apply for forgiveness of my PPP loan. PNC has discriminately allowed certain businesses to apply for SBA forgiveness but not others with no reason or explanation The loan will come due on XXXX and I should have been able to apply for forgiveness except that PNC is blocking me from doing so. 

I am not sure that this is legal but I am sure that this will cause irreparable damage to my business. 

I have escalated the situation to the executive office of client relations but still no response.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Closed Account by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX  XXXX for incorrect reporting of a closed account. I have reviewed my credit report and discovered that XXXX XXXX is reporting an inaccurate balance and late payment history for an account that has been charged off. Specifically, the account is being reported as having a balance and showing XXXX and XXXX  days late, even though under the Fair Credit Reporting Act ( FCRA ) Section XXXX, a charged-off account should not be reporting a balance or late payment statuses. Below are the details of the account in question : Creditor Name : self financlal Account Number : XXXX ( partial number for privacy ) Account Type : Charged-Off Account Reported Issues : The account continues to show a balance despite being charged off. It reports late payment statuses ( 30 days, 60 days ) on a charged-off account, which is in violation of FCRA regulations. Under the provisions of the FCRA, once an account is charged off, it should no longer show a balance or any late payment indicators. I believe that XXXX XXXX is in violation of this rule, and as a result, this is impacting my credit report inaccurately. I kindly request the Consumer Financial Protection Bureau to investigate this issue and ensure that self financial corrects this error by removing the balance and late payment reporting from the charged-off account as required by law. Please let me know if further information is needed from my side to assist in resolving this issue. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Student loan

In 1996, I enrolled in the XXXX XXXX XXXX program at XXXX for XXXX XXXX XXXX in XXXX, TX, I was told the program was XXXX approved and my credits were transferable to a 4 year college or university. I refinanced the loan with Nelnet and through the years, every college or university that I have applied for admission will not accept my credits or degree and state the XXXX for XXXX XXXX XXXX is not an approved higher education school. XXXX has confirmed that I can not become a member because I did not graduate from an XXXX approved program. 
I have contacted XXXX for XXXX XXXX XXXX for assistance and was told I could now re-enroll to earn a Paralegal certificate for additional costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealership inquires showing up on my report & I have not authorized anyone to run my credit
Product: Credit card or prepaid card

Synchrony Bank for Lumber Liquidators declined an individual application for my husband, a joint application, and an individual application in my name only in XX/XX/2020. We've never been declined for credit of any kind. We assumed there was an error on his individual application, so we applied jointly. We then assumed there was just some issue with his, so I applied individually. We asked to speak with supervisors and no one would give us any indication why a card would be declined. Everyone said we should refer to the letters being sent out, but no letters ever arrived. They were evasive, unhelpful, and it was a frustrating experience to be declined with no cause. 

I know they are required to provide those notices and would like to alert you in case of other similar complaints.
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. 

XXXX XXXX account # XXXX XXXX XXXX XXXX and Department of Education/XXXX  account # 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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX XXXX ) against them for similar violations. I request that Equifax complies with federal law and provides consumers with the necessary proof of investigation.