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. 


Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$150.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our loan servicer, Seterus, repeatedly refused to review and eliminate the PMI insurance on our home loan in numerous correspondences going back over the past two / three years. They were adamant that we needed to pay them for an appraisal even through the remaining loan amount when compared to original formal appraisal in Seterus records was far below the 78 % threshold for eliminating PMI altogether. We have sent Seterus numerous letters demanding removal of our loan PMI in the amount of {$200.00}. Seterus always responded with a form letter and demand {$350.00} for a new appraisal before even considering our demand. THEN, WITHOUT ANY LETTER OF EXPLANATION or verbal communication, Seterus lowered our PMI from {$200.00} to {$53.00} in XXXX 2016. This was literally " Out of the Blue. '' They also sent us a check for {$830.00} with a notation " Overage Refund. '' As we investigated, we found that Seterus, for some reason which we have no knowledge of and have never - to this day - received an explanation of, reduced ( did not eliminate ) our PMI from {$200.00} to {$53.00}. WHY? No Clue, but this action and the fact that the outstanding loan balance amount did not drop *dramatically* ( normal month to month principal reduction ) between XXXX 2016 and XXXX 2016 supports our on-going contention that we have been overcharged by Seterus for PMI **going back years**. No one at Seterus will ever get on a phone and explain what is going on, and our written communications never give us a person to call as they are always signed " Sincerely, Seterus '' or " Your Correspondence Team. '' Our claim is that Seterus has been overcharging us on PMI for years and we are owed far more than the {$830.00} Overcharge Refund they have sent us. This is a systemic PMI overcharge that goes back years and we want a refund for all past year violations / overages and sanctions against Seterus for this action. The loan is owned by XXXX and we will be addressing this with their Fraud Division as well. 
Seterus Loan Number : XXXX Address : XXXX OR XXXX Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Marked late from XX/XX/XXXX to XX/XX/XXXX when they had set it up on auto debit from my bank, so it was never late That was part of the arrangement. They then reported no data from XX/XX/XXXX through XX/XX/XXXX when payments were still being made. This account actually got overpaid due to the same billing errors, and they had to refund me. That was an error in the autopay system and likely also the reason for the payments incorrectly marked late.
Product: Mortgage

In 2005 I took out a HELOC with First Tennessee Bank/First Horizon. Last month I was shocked to see that my monthly payment increased XXXX times from the previous payment amount. If I would have known how much my adjusted payment would be I would have never applied for the loan. I do n't have the financial ability to pay it now or at the time the bank made me the loan. In fact, the bank never looked at my ability to pay or even ask about my income. Also, First Tennessee Bank has charged me a finance charge of 100 % of the newly adjusted payment when I could n't pay the new amount. I was never informed they could charge me a 100 % finance charge and I dispute this excessive amount. I would like to discuss a loan workout but First Tennessee does n't even provide a contact person 's name, e-mail or phone number on its statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that the Experian being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how is Experian able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof Experian have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPARTMENT OF COMM F XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX bank, and XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, XXXX, and Equifax are reporting fraudulent information.
Product: Debt collection

So, my wife and I have had our credit pulled to get pre-approved for a new home. Was informed there was some medical collections that needed ot be paid before we do that. I called and tried to negotiate they ( I.C systems ) told me it was in collections for too long and we had to pay in full amount and would not settle. This was XX/XX/2022 I paid in full to all three acounts .... 
After I paid, I started working with a credit repair gentleman and he asked if I had already paid the accounts on there, I said yes and he said well you shouldn't have because it was reported fraudulent and should have never been put back on your credit .... Said it is fraud because they lied to you saying you owed when it was too old to be collected. I was speaking to a lady from I.C. Systems. Which last year, with my entire tax return, I paid off more medical debt in collections and it is still reporting on there... After they told me it would only take 30-45 days to get off my credit. And still reporting on there and hurting mine and my wife 's credit still to this day.
Product: Credit card or prepaid card

There was fraud done with My XXXX credit card, twice with XXXX different cards same company XXXX XXXX XXXX XXXX XXXX. I have made a claim with Navy Federal but they denied my claim.I didnt make these charges.
Product: Checking or savings account

I am supposed to receive my XXXX from US Bank with my unemployment funds on it. 
It has been several weeks and I have called almost every day and have been on hold for hours ( 4 hours today ) and no one will answer my call to tell me where my card is. 

The Utah unemployment office told me that I have to talk to US Bank in regards to my card. 

It is not my fault that I lost my job and I need my money because I am behind on my bills. 

This is very unprofessional on the part of US Bank, and I feel like I am being scammed out of my money because I filed for unemployment on XX/XX/XXXX, and it is now XX/XX/XXXX and no card, no money. No one will answer my call. 

The past few days when I have called I have waited for at least two hours and their phone is just dead and I have no idea whether I am still on hold or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts with XXXX XXXX are reporting as closed. 

Student loan payments are not being reported at all Other credit card accounts are not showing or showing as closed. 

Causing me not have a score from them
Product: Credit card

Without any prior notice I received a letter dated XXXX XXXX, XXXX, stating that my AT & T Universal Platinum Card account, which was issued as a charter member in XXXX, was closed. I called several times to the Citi Bank number on the card ( Citi purchased the cards accounts years ago ), and received answers that bordered on the rude and who cares category. The latest person I spoke to was more than happy to reopen the account with a new application and credit report inquiry, and probably different terms also. I told him that no prior notification was provided, and his answer was " too bad ''. 
Under the Credit Card Act of XXXX, there is a provision that 45 days notice must be provided for changes in terms and conditions. No such notice was ever given. This card was not used a lot, but I do n't recall any new rules having been adopted that credit cards must be used all the time for everyday purchases. I realize that this might not get far, but if other people have had similar experiences, maybe some attorney might want to look into the practices of Citi Bank and their breach of contract actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to fix this problem mutiple times with the credit breau equifax I even sent them my identity theft report regarding this account is fraud do to identity theft and no one have not resolve the  problem its still showing on my equifax credit file I have disputed this multiple times Im disputing this again.
Product: Credit card

I was in Old Navy making a purchase and was told that if I applied for the Old Navy credit card, I would receive $ XXXX off the purchase I was making in store that day. I agreed and they said the transaction and discount would be applied immediately to the card, pending my application approval. My application was approved but they said there was an issue and the promotion was not working. I said the only reason I was applying for the card was to get the promotion that they told me I would receive, so if I wasn't receiving it, I no longer wanted the card. They said it was too late, I already submitted my application and I would have to contact the credit card company to rectify it. The credit card company also said there was nothing they could do when I called. I was coerced and lied to to apply for the credit card. I want that reflected on my credit report so that they opening and closing of this account does not impact my credit score.
Product: Debt collection

In or around late XX/XX/2020, I received a bill from the XXXX of XXXX XXXX for ambulance services allegedly performed on XX/XX/2020. I had not been to XXXX in XXXX XXXX or at any time since at least XX/XX/2020 XXXX, and I have never used the XXXX  of XXXX XXXX 's services. I informed the XXXX of XXXX XXXX that the debt was not mine, and someone confirmed via email that it would be updated and removed. Since then, I have received a notices from Municipal Services Bureau that I owe the debt. I have contacted the Municipal Services Bureau and was informed that my date of birth did not match the date of birth on the account and that the account would be updated. Nonetheless, I then received another bill a few days ago from Municipal Services Bureau. I have contacted them in writing to dispute the debt. I
Product: Debt collection

On XX/XX/2019 XXXX XXXX XXXX, XXXX sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit XXXX or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have found some inquiries on my credit that arent mine
Product: Student loan

My name is XXXX and I got a student loan from Navient back in XX/XX/XXXX. I was an immigrant from XXXX and wanted to get a 2 year degree from the XXXX XXXX in Arizona, so I can find a job to support my family. When times got financially hard, I found it difficult to pay my loan and Navient was not very helpful or supportive. In XX/XX/XXXXwe moved to XXXX, Texas because my employer filed for chapter XXXX and my family and I got transferred. This move was a serious life event and the first couple years I struggled to pay my bills, including my Navient loan. When I called Navient, the agents did not seem to care about my situation and the interest just kept going up and made it impossible for me to catch up. Navient has been also calling my wife and leaving automated VM on her cell, reminding that " Payment is due ''. This is my loan, not my wife 's! Navient should stop harassing family members! I 've been trying to pay this loan for almost 20 years and the amount of this loan is the same as it was when I just got it in XX/XX/XXXX ( {$6800.00} )! Navient 's failure to support me ( or other costumers ), results in delinquencies and it makes it hard for former students to pay the outstanding balance off ( my wife also has a student loan, and she is about to finish paying, because her company worked with her and helped come up with solutions, when we just moved to XXXX ). The interest Navient is charging its clients is very high, not reasonable nor realistic. Not only that I gave up paying off my loan, but it also ruined my credit history. I made several attempts to negotiate with Navient ( after my move to Texas ),  despite all of my requests, provided proofs, phone calls etc., they sent my account to collection. We are not able to get any loan or mortgage because they ruined our credit history! This company is fraud and a big disappointment! We would be very thankful if you can help us clarify our situation and look forward to hearing back. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2022, I opened a credit card with USAA. After a hard hit on my credit report, I was approved for a {$24000.00} credit line. On XX/XX/2022, I received and activated my card. Then I proceeded to do a {$5000.00} balance transfer from another bank to my new USAA credit card. I was not able to do the transfer after multiple attempts. I then called USAA Credit Card Department. The representative tried to do the transfer for me and received the same message of " unsuccessful ''. It was suggested that too many attempts had been made. I needed to wait XXXX hours to attempt it again. On XX/XX/XXXX I attempted the transfer again. Once again it was unsuccessful. I then called USAA and they were not able to help me. I waited a few days and failed again. So, I reached out to another rep XXXX XXXX in XXXX XXXX, Texas and she was not able to figure the problem out. I was referred to their Executive Resolution Dept and they could not figure it out. They referred me to their Fraud Department as to which they couldn't figure it out as well. So, after XXXX failed attempts, I closed the card. On XX/XX/XXXX, I reapplied for another credit card and another hard hit against my credit. This time the line of credit dropped to {$4500.00} and not one representative could explain. I was then referred to their CEO Department Relations and spoke with XXXX XXXX. The representative indicated that the drop was probably due to the first hard hit against my credit report and that probably was the reason for the credit line drop on XX/XX/XXXX even though it is USAA 's hard hit. They are having internal issues with their computer system and not one person at USAA can tell my why their system would not do the transfer. So now, I am being penalized for their internal problem for a second hit on my credit report which all stems from USAA internal system. Not one person can help me. I have gone as far as I can for an explanation. I have my homeowners insurance and auto insurance with them. Now I am concerned about their ways to problem solve and will be removing my accounts with them. This just not make common sense and definitely not fair to their consumers
Product: Mortgage

Hello, My mortgage was sold to new company. Rosegate. XXXX. .I 've actively trying to pay my mortgage payment. They will not accept my payment until Monday which incures late fee. I tried to make payment to XXXX my former mortgage company. Now they said mortgage has been assumed by Rosegate. This is bs. I never heard of this bank. Just trying to make payment. I have called them and no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Experian to stop reporting delinquent payments which were dismissed in a bankruptcy. They have ignored my requests. My credit scores with XXXX  and XXXX are currently at XXXX and XXXX respectively. Experian reports me at XXXX and sites 10 accounts as " accounts ever late ''. What is the purpose of a bankruptcy if a credit reporting agency can still display credit conditions, primarily payment status, that ultimately diminishes ones credit worthiness far beyond the accepted disclosure of the bankruptcy. It is very clear the government agencies whom regulate their business practices allow them to do whatever they want with no recourse for consumer fraud. What further can I do other than file suit as they hope to compel me to do?
Product: Checking or savings account

{$3100.00} is transferred from my Chase checking account by XXXX wireless transfer. The money was transferred through 5 transactions which I did not authorize the transactions. I talked to Chase Bank and filled a complaint. But The Chase bank are not helping me to solve this issue and give the money back to me. They are saying, it is my fault. I need a help if you can please.
Product: Credit reporting or other personal consumer reports

I have reached out about the reporting of my credit report on the inaccurate information reporting on multiple accounts for TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN DEPT OF HUMAN SVCS CS