23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have submitted countless disputes via online and certified mail only to be told that they will not investigate any further disputes. As per the Fair Credit Reporting Act ( FCRA ) per section 607 Compliance procedures [ 15 U.S.C. 1681e ; which states : ( 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. 
After reviewing the FCRA it appears this has been violated. I have sent this information twice trying to have it removed only to be told that instead of attaching as pdf file which the online dispute site suggest, now I am being told it should be in the form of a JPEG file ( picture ). I am requesting that XXXX XXXX account number XXXX be deleted per the FCRA. I have submitted the documents provided to me by XXXX XXXX and XXXX XXXX has requested this account be listed as paid in full, however Transunion will not use the documents provided and refuses to honor the request of XXXX XXXX. Rather they requested me to have XXXX XXXX call them and confirm. See Attached documents
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX. I was trying to sell something via XXXX XXXX. The " buyer '' said he would send money via XXXX. I received several emails claiming to be XXXX customer support saying I need to refund a portion of the transaction since the transaction was too large. I used XXXX through Wells Fargo to follow the email 's instruction to get the transaction to process. I ended up sending {$700.00} via XXXX through Wells Fargo to resolve the issues. I eventually realized it was a scam. The scam emails spoofed XXXX 's customer service branding and I've ran into issues in the past with transfer limits on XXXX which made me susceptible. There was no ability to cancel or terminate the transaction after I realized my mistake. Wells Fargo notified me that the transactions are instant and irreversible.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries and all inquires listed below are not associated to an open account : MB FIN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMERCEDESBENZXXXX XXXX XXXXMERCEDES-BENZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I the consumer entered a consumer credit transaction with XXXX XXXX  XXXX XXXX XXXX and SANTANDER CONSUMER USA by extending my credit thought my credit card ending in XXXX. However after careful review of initial agreement the I realized that I was deceived as the agreement had no disclosure of the right of recession until the third business day according to chapter twelve of code federal regulations. On XX/XX/XXXX I notified SANTANDER CONSUMER USA by certified mail using the UNITED STATES POSTAL SERVICE to inform XXXX XXXX that the agreement had not mentioned a right of rescission and that I am rescinding the agreement. Between all parties involved in the agreement taking place as of XX/XX/XXXX. Since providing notices of the rescission XXXX XXXX has continued to report inaccurate and false information to XXXX, XXXX XXXX. 12 CFR subsection XXXX states that a consumer has a right to rescind if the creditor failed to disclose the right to rescind in the contract which happened and that the creditor Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX has not taken the necessary action to disclose to the credit bureaus that the obligation of the security interest has been terminated. XXXX XXXX of SANTANDER CONSUMER USA is affecting my ability to extend credit as the false and inaccurate information that is being reported has hindered my god given right a a creditor.
Product: Debt collection

I, XXXX XXXX principal holder, has wrote a letter to LVNV FUNDING LLCXXXX XXXX XXXX XXXX XXXX letting them know It's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. they have not responded. or removed this of my credit. 
i am willing going to arbitration if they don't remove this off and but my name in good standing. 

F.D.C.P.A. at 15 USC 1692 e.g.

title 18 section 8 ( all debt is obligation of the United States cestuiquevieact 1666 trust account pursuant 15 USC 83 banks can not loan money
Product: Mortgage

Nationstar mortgage has had my loan in modification from over 5 months everytime i call i 'm put on hold for long periods of time then switched to another person whom request the same information that i just gave the first person then i 'm switched to another person whom places me on hold for more than 20 min and then transfered to another person whom puts me on hold and never comes back to the phone or they hang up this is not what i expected from a mortgage company and i no longer want to do busniess with them I need someone to tell me what my options are to get out of this mortgage. PLEASE!!!!!
Product: Credit card

Interest month before was XXXX to current monthly XXXX. With total of XXXX. The interest rate is too high.
Product: Student loan

I started graduate school in XXXX. The program I enrolled in was " low-residency '' and summer only. It's XXXX XXXX XXXX XXXX XXXX of XXXX. The program ONLY meets in the summer. It takes 5 summers to complete the program. The problem is that NAVIENT considers these students as " unenrolling '' from a program because we couldn't take classes year-round. So, they make your student loans fall into repayment even though you have 3, 2, 1 years left of school! So, they collect interest on all of that time even though you CAN NOT take classes and have no option but to wait until the next summer. 

Additionally, Navient misallocated several of my payments. I specifically indicated which loans the payments should be applied to and they did whatever they wanted, which sent some of my loans in to " non-payment '' and disrupted my credit score, causing a delay on the purchase of my home. 

They were ridiculous to work with. I paid off my loans since then, but from XXXX, I dealt with all of this. I still don't know how much money they swindled me out of in interest while I was STILL IN SCHOOL.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, I'm sending this complaint to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency Reliant. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a XXXX  illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.
Product: Mortgage

FHA -- CASE # XXXX An application for assistance was completed with Mr. Cooper ( MC ), in XX/XX/2018. 
At that time the reported gross qualifying was stated in the amount of {$3600.00}. 
( See exhibit A Affidavit of Income ) MC, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$1400.00}. 
( See exhibit B Alleged HAMP-FHA Trial Plan ) However, based on front end debt to income ( DTI ) ratios a gross income of {$3600.00} and a mortgage payment of {$1400.00}, calculates our DTI, at 40.15 %. This amount of 40.15 %, is outside the guidelines set forth by FHA and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. As a result of the gross negligence demonstrated by the MC, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program.

The Department of Housing and Urban Development ( HUD ) has specific guidelines for FHA debt-to-income ratios. HUD is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits.

According to HUD : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % / 43 % According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. We expect these requirements to remain in place throughout the year, since HUD has not announced any changes to them.

This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income.

Needless to say, we are furious that our loan was mismanaged by MC and staff and our family is considering filing a civil suit in order to force MC, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.
Product: Credit card

I, XXXX XXXX XXXX, has a plenty of credit card, and i pay all my cards on due date on time, has a XXXX  late fee my score was XXXX, but sometimes my score is over 850 in some scores. I opened a card with bank of america on XXXX and did a transfer balance. first of all when i receive each card, i register online, add my bank account and check auto payment always this way. 
with bank of america they took a payment from my bank account as auto payment for three months the fourth month i paid all the balance. on XXXX i used the card, assuming has my auto and bank account. notice in my email, that there is a balance past due, first i really thought a scam so i can open that site, but also i entered the site from XXXX and noticed i really have a past due a late fee. thats upset me when i didnt find my bank account. i called bank of america, asked where is auto payment or also my bank account info. she said its not there. I saw in that site all my statement from XXXX, and asked her to look that the payment was drafting at certain amount every month. so where is my info. she maybe offended from my tune I was really upset. I told her i, m XXXX XXXX XXXX XXXX XXXX and i really honest person pay all my accounts on time. and she said its over 2 months we cant do anything this will affect ur credit score. i paid whole balance and gave her my account info. then i hangup. after one week i called a bank of america and they told me i can made a dispute for my score. and they told me i closed my card. i couldnt believe that. i answered i called but i dont remember i asked for closing my account, and i dont recall, yes i was upset and maybe rude with the lady, but its online problem not human. i reused after 4 years my card again and maybe they deleted my info. but defiantly didnt close my account of XXXX limit will hurt me as the late fee. 
i, m not happy bank of america, hurt my score and closed my account, and blaming me i asked for that. thank and XXXX knows i tell the truth. all i want to cancel late payment and get me where i was before. it wasnt my fault. thanks XXXX XXXX
Product: Credit reporting

On or around XXXX 2016 I seen a entry on my credit report for a 30 days Late/Missed on my credit report. I contacted XXXX XXXX with my concerns and they were unable to find the record of a 30 days Late/Missed payment on my file. Currently XXXX are now the new creditors. I still have my Open active account with XXXX. The late payment on file is reported in error and needs to be rmoved.
Product: Credit reporting or other personal consumer reports

I am a victim of idenity theft and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In response to complaint id : XXXX I am aware that a charge off is viewed as a certificate of indebtedness, making it taxable income and potentially eligible for removal from records. Given this understanding and the appearance of this information across multiple credit bureau reports, I am seeking assistance in reviewing this situation. According to the Internal Revenue Service publication XXXX, if a debt for which you are personally responsible is forgiven or discharged for less than the full amount owed, the remaining unpaid portion is considered canceled debt and must be included in your income. I am requesting an inquiry based on data from the four major credit reporting agencies, which indicate a charged off debt from XXXX XXXX XXXX reported on XX/XX/XXXX, totaling {$23000.00}. An authorized XXXX form has already been submitted to the IRS, and I have both copies available for verification. The amount enlisted in the form will be included in my income for tax year XXXX and should also be removed from the credit reports since my credit history should not include income information. 
In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. I, as the consumer, have the right to safeguard my personal information, as supported by 15 USC 6801 which emphasizes the obligation of financial institutions to protect customer privacy. XXXX XXXX XXXX XXXX under the definition of a financial institution. 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided my consent for XXXX XXXX XXXX, XXXX, Experian, XXXX, and XXXX to share this information, whether verbally, non-verbally, in writing, or otherwise. Any consent previously given is now revoked. 


Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a third party without informing the consumer of their right to opt out of such disclosures. XXXX XXXX XXXX did not inform me of my right to exercise this option. The account they are reporting without my permission constitutes an adverse item of information, which is prohibited under 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain procedures that prevent violations and limit report furnishing to specific purposes. XXXX, Experian, XXXX, and XXXX are failing to maintain reasonable procedures. 


Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times on incorrect items that are on my credit report with Equifax, XXXX and XXXX and it has taken well over 30 days of me not receiving any investigation results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information such as my name spelled incorrectly. Wrong addresses, collections were supposed to be deleted and it's still there.
Product: Debt collection

Phoenix Financial Services is violating the FDCPA. Back in XXXX XXXX, they sent me a bill which I did not recognize. I asked them to validate the debt and prove that this debt was mine. I received no response at that time. On XXXX XXXX, I received a letter from XXXX XXXX XXXX trying to collect this same alleged debt. I wrote to them as I did Phoenix previously. I received no response to that letter. Now Phoenix has contacted me again asking me to pay the same alleged bill but this time the current creditor being referenced is XXXX XXXX XXXX XXXX v XXXX XXXX XXXX cited originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Bank of America Credit card for over 17 years. I have perfect credit and have never once missed a payment. I have always opted for paper statements and have been receiving paper statements without problems for years. Without my permission or knowledge, Bank of America switched my statements to e-mail statements without notifying me and used an out of date e-mail address that was on file from over 14 years ago ( not current nor viable ). For two-three months, no statements were received. I was not contacted via phone. Bank of America sent information to a credit agency stating I missed a payment, who eventually contacted me via snail. As soon as I was properly notified, I immediately made a payment and then paid off the balance in full. There is currently a credit due to me on my account due to over payment. Bank of America then decreased my credit line by 90 % and provided misleading information to the credit bureaus, which resulted in a drop of my credit score ( which was in the mid-800 's ). I've contacted Bank of America multiple times to file complaints and initiate investigations as to what went wrong. They admitted that they wrongly changed the bill delivery to e-mail, discovered the disconnect and re-issued the old paper statements that were not received. I requested that their mistake be remedied so that my credit score is not negatively impacted. They just notified me via mail that my request has been denied ( for no reason-it was their fault!!! ). My request is that my credit score, which was flawless until this company engaged in wrongful acts not authorized by me, be rightfully restored.
Product: Debt collection

Company ACCELERATED RECEIVABLES started calling several times a day at both my work, my home and my cell number. Many times when attempting to call back would be greeted with a this number has been disconnected message. When I finally got ahold of the company they were stand offish and it was an argument to get them to admit who they were and what they wanted. They refused to confirm the debt. Per the law I asked for them to confirm the debt in writing, which they have never done. Now they have listed a substantial credit line report on my credit report without permission. And still have not verified the debt.