23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally applied for a conventional Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX. All loan application items were submitted within a week of application. I am still struggling with communication back and forth from the Credit union. Just recently I learned the loan origination date was changed to XX/XX/XXXX, I personally feel this may have been done in order to avoid CFPB penalties. Please assist, I am struggling with moving forward on this loan and I feel some areas may have been adjusted in order to avoid any regulatory penalties. My contact number is XXXX, I have all supporting documentation should you need it to move forward with this complaint. 

Loan app : XXXX Original loan processors name is : XXXX Phone : XXXX EXT. XXXX Fax : XXXX Her Supervisor who was also involved in communication was XXXX. 

I have now been reassigned to : XXXX XXXX XXXX Mortgage Processor | Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS : XXXX Email : XXXX Phone : XXXX Ext : XXXX
Product: Credit reporting or other personal consumer reports

In accordan

ce 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. 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

Subject : Formal Complaint of Consumer Rights Violation under the Family Educational Rights and Privacy Act ( XXXX ) and Relevant Federal Regulations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX, TransUnion and XXXX regarding the violation of my consumer rights under the Family Educational Rights and Privacy Act ( XXXX ), 20 USC 1232g ( b ) which protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school., and other pertinent federal regulations. I believe my rights have been violated in the following ways : XXXX. Reporting of Charged Off Closed Account as Income : XXXX, TransUnion and XXXX has continued to report a charged-off closed account on my credit report. This account is considered income according to IRS publication [ XXXX IRS XXXX ]. Reporting income on a credit profile is illegal and a clear violation of XXXX. 
XXXX. Reporting Collections on Sold Accounts : XXXX, TransUnion and XXXX is reporting collections on accounts that have been sold to third-party companies with whom I have no contractual relationship. This is in direct violation of my consumer rights, as the original creditor has transferred the debt, and I should not be held responsible for a debt with which I have no agreement. 
XXXX. Reporting of Late Payments in Violation of XXXX XXXX XXXX : XXXX, TransUnion and XXXX has also reported late payments on my credit profile, which is a violation of XXXX XXXX XXXX. This law protects consumers from unfair credit reporting practices, and reporting late payments inaccurately damages my creditworthiness. 
XXXX. Failure to Provide Opt-Out Options : None of the financial institutions or credit reporting agencies, including [ Name of Credit Reporting Agency ] , have provided me with my opt-out options as required by 15 U.S.C. 6802 and 12 CFR 1016.1. This omission has deprived me of my right to control the sharing of my personal information. 
I have taken the necessary steps to resolve these issues with XXXX, TransUnion and XXXX directly, but my efforts have been unsuccessful, and the violations persist. As a result, I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and rectifying these violations of my consumer rights. 
I have attached relevant documentation supporting my claims, including copies of credit reports, correspondence with XXXX, TransUnion and XXXX and any other pertinent records. 
I understand that the Consumer Financial Protection Bureau is responsible for addressing and resolving consumer complaints related to violations of federal consumer protection laws, and I look forward to your prompt attention to this matter. 
Thank you for your assistance in addressing these violations of my consumer rights. Please do not hesitate to contact me if you require any additional information or documentation.
Product: Credit card or prepaid card

ON XX/XX/2022, BOA CLOSED ALL MY CREDIT CARD ACCOUNT WITHOUT ANY WARNING NOTICE AND FORFEITED MY XXXX POINTS.IT IS UNREASONABLE AND NOT FAIR AT ALL.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited a check from my school into my checking account via Wells Fargos mobile bank deposit. 
On XX/XX/XXXX My car was broken into where the check was located and it was stolen. 
On XX/XX/XXXX Wells Fargo notified me that the check had been deposited twice and the amount of the check was debited from my checking account. I immediately filed a claim/dispute. I also filed a police report because I did not know anything was stolen from my vehicle until they notified me that the check was deposited more than once. 
On XX/XX/XXXX I received notification of the resolution of my claim. Which only stated that my check had been deposited into another Wells Fargo customers account and they would not be restoring the funds to my account. I called and escalated the claim and they told me since my initial deposit was via mobile deposit and the second deposit was using the physical check there was nothing that they could do. Even though the check was written out to me and endorsed by me and matching the name on my bank account. 
It is now XX/XX/XXXX and Ive tried to escalate multiple times offering to provide proof of the police report and everything and I just keep getting the same response. Wells Fargo was my first bank and Ive been with them since XXXX. Absolutely disgusted with how they have handled this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I just did a complain last month, I contacted them to stop missing up my credit, they fixed it, after I contacted you, they always scrowe up my credit. This month the same I am getting tired of TransUnion keep missing up my credit I have always pay in full, I am in good standing with my bank XXXX  XXXX, but TransUnion always keep missing me up, they keep trying to sign me up for their services. Please help me to stop them from this happening every month missing up my credit.
Product: Debt collection

During my brief marriage to XXXX XXXX XXXX of the XXXX, GA area, he fraudulently secured credit cards in my name by forging my signature. I now have a situation where a credit management company is trying to garnish my work wages as a result of this fraudulent activity. The company is : XXXX XXXX XXXX XXXX. The XXXX  account number is XXXX and the telephone number is ( XXXX ) XXXX. Filed under my name XXXX XXXX ( XXXX ) XXXX.
Product: Debt collection

I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends XXXX. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole amount. They  refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.
Product: Mortgage

This is my second complaint regarding Lakeview - XXXX. My home was impacted by hail/storm damage on XX/XX/XXXX. I filed a claim with my insurance company ( XXXX ). The roofers have already begun work and due to various laws, XXXX is required to make the check in a certain amount payable to XXXX since they are the mortgage company. XXXX has strict rules on endorsing checks over the amount of $ XXXX. In my case, this process involved is lengthy and holds up the process of getting the home fixed. XXXX states they they have a " vested interest '' in the property since they technically own it. If that's the case then they can do all of the leg work instead of pushing it onto the customer. Additionally, when I purchased my home in XX/XX/XXXX. I purchased it through XXXX XXXX. The mortgage was sold and ended up with Lakeview - XXXX. As the consumer, I had no say in this process and am now stuck with a nightmare of a mortgage company. Every process they have is seemingly designed to drag everything out and made to be more complicated and inconvenient. XXXX doesn't seem to care about XXXX as this is a XXXX loan and the amount of time they require from them. How can a mortgage company sell to another company absent of the home owner who has no say and is stuck with whoever the lowest bidder is aside from it being a way for them to move liquid assets. I didn't want XXXX Never want XXXX. I will never recommend XXXX.
Product: Student loan

I filed bankruptcy XXXX  XXXX in XXXX and it was discharged. I received a student loan from XXXX XXXX XXXX in XXXX ( now debtor is AES ) for {$10000.00}. It was paid directly to me and exceeded the cost of tuition and expenses. I was a single mother attended XXXX school full time. I have paid on this loan for at least 10 years and I have paid {$25000.00} + yet still owe {$18000.00} +. I believe it was 1. A predatory loan and 2. It should be discharged under the XXXX  XXXX bankruptcy that I filed and the judge granted. I tried to tell them but they said it didnt qualify to be discharged. I have XXXX children, I cant afford to keep paying this bill that seems like it will never be paid.
Product: Debt collection

On XX/XX/20 Convergent Outsourcing received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101.  I called Convergent Outsourcing on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. The agency had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following  information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.
Product: Credit reporting or other personal consumer reports

Subject account ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account ending in XXXXFor several months the company has been reporting a balance of {$1900.00} dollars. 
Current Balance is {$0.00} Available balance is {$2000.00} I dispute this account several time with Equifax unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent certified mail to Transunion concerning them reporting information that hasn't been verified. I sent in the paper from XXXX stating no bankruptcy is reporting on my record. I contacted the courts they stated they do not provide information. Also, Transunion sent me the investigation report 4 days after receiving it, which let me know they did not investigate properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX IL ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We signed up to have XXXX/XXXX services in our home. We moved because of a job change and wanted to transfer this service to our new home. We wanted XXXX service at our new home, but we were told we could not have service. 

Later, we received a bill for cancellation charges. We did not cancel ; XXXX cancelled our service because it was not offered in our area. We were not in breach of our contract. We wanted XXXX   service. We called customer service about the charges after receiving the bill dated XX/XX/2018 with the cancellation charges. We spoke to XXXX from the Billing Department, reference # can be provided. He assured us this would be taken care of. We went into the service center on XXXX XXXX in Wyoming, and called the customer service number again on XX/XX/2018 and spoke to XXXX. He assured us the matter was resolved and the charges would be removed, so we put the issue behind us. 

We started receiving calls from a collection agency trying to charge us the cancellation charges. The collection agency told us we had to dispute the charges with XXXX. We wrote the attached letter and received no response. 

In order to stop further problems with our credit report, we paid the {$660.00} cancellation fee and hoped again the problem was behind us. 

We recently refinanced our home and discovered there is " serious delinquency '' listed on our credit report because of this issue. 

Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

The account number I have available is XXXX. I expect it to be deleted from all three bureaus immediately. I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. When i paid XXXX, I was advised it would be deleted from my credit reports upon receiving full payment. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. Stellar Recovery makes false statements, regarding the account. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
Product: Debt collection

Previous case # XXXX typo please re open there response invalid I provided you a pis scan of my report reflecting on my XXXX Report Plusfour admitted they are resending validation I have already tried to resolve the contact and address on report Im not valid even the address No company at that address as well invalid phone number XXXX NON WORKING NUMBER
Product: Checking or savings account

Citibank has a promotion going where you open a new checking account and make two enhanced direct deposits totaling {$1500.00} or more and they'll give you a {$300.00} bonus. 
XXXX XXXX XXXX XXXX ). 

I opened a new account on XX/XX/XXXX and made the deposits on XX/XX/XXXX and XX/XX/XXXX totaling {$1500.00}. These were sent from my dad 's XXXX account as I do not have XXXX and the funds were settled in my account. 

On XX/XX/XXXX I initiated a transfer out of my Citibank account to my dad 's Citibank account using Citibank Global Transfer. There was no indication that this transfer would not go through. 
On XX/XX/XXXX my dad told me he never got the transfer so I tried to log into my account to see what the problem was. At that point I learned that my account was locked. I called Citibank to ask what the problem was and they would only tell me that my account was closed due to fraud and I'd be receiving a letter about it and remaining funds issued in 30-60 days.

I asked for details about the letter and to talk to a supervisor, but they would not give me any additional information.
Product: Mortgage

With full XXXX party authorization from my client who is the seller in a short sale, I instituted a sale of the concerned home. Mortgage service company has used numerous delay process and has ignored all documentation and request from the seller. Time is of the essence whereby the buyer of the home will abandon the sales process if short sale approval is not obtained.
Product: Credit card

On or about XXXX XXXX, 2017, I paid, via check, {$6600.00}, as payment in full, to Bank of America via personal check drawn from XXXX XXXX XXXX XXXX. The check was deposited upon receipt and the funds were withdrawn from my account. Despite this payment, Bank of America refuses to credit my account. Instead, Bank of America assessed a late fee, sent a threatening letter, and provided misleading information to the credit bureaus re : my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

I have several student loans from undergraduate and postgraduate programs. I wanted to go into the program for civil service repayment for forgiveness after 10 years of payments, because I am an XXXX   XXXX  XXXX. I called XXXX three years ago and was told that all of my loans had to be consolidated in order to go into the program. Though they had different interest rates, some were very low. So I went ahead and consolidated my loans. Then I applied for the program and was told that all of my previous payments did not count because I consolidate my loans. So not only do I have to pay more because of the higher interest rates, none of my payments counted for years. Also, they kept changing things so that none of my payments are in the right place to qualify. I feel like I am being ran around to just make payments for ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX Balance XXXX : {$18000.00}