23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I was told this was a dept consolidation group. That I would pay XXXX a month for 16 months. I have been paying for a year. That the money would sit in an account while they negotiated with cc company 's to get interest off and make sure everything was right. They promised me my debt would go from XXXX I owed would go down to XXXX then that would be paid from the account I was putting the XXXX out of. They told me what was in the contract Wich I signed but did not read assuming it said what she had explained to me. That must credit would be bad for the first year, but would get better by the time they were done. 
So I just got served by XXXX XXXX XXXX XXXX For breach of contract. I called Consumer Legal Group. Wonder why I was being served that they were suppose to take care of this. Now I'm being told that they are not a consumer debt consolidation. But and consultant attorney group. I've been paying XXXX for an attorney to tell me what to do. I'm XXXX I don't get a lot of money a month like XXXX or so. With prices the way they are an cost of living to say the least this has been a struggle. I wouldn't of done this I was told something way different. I was new to this the lady said I qualified for this that this company took care of everything. 
Well they don't and I've been paying them for a year for nothing and now being sued by one of the cc company 's. I can't tell you just how upset and stressed out this is making me. I feel lied to and they miss-repesented themselves to me. I feel lied to and taken advantage of. What can I do? I'm just beside myself. I can't believe I've been paying all this money to them for what. I still have to pay the credit card money back myself they don't pay it. And I'm being sued. Please help me.
Product: Mortgage

My mortgage loan consultant, XXXX XXXX, has stopped responding to my emails and calls. Since XX/XX/XXXX I have not heard anything from him, despite being promised by others at Roundpoint that he would contact me. 

I was able to get a hold of XXXX XXXX, a loan processor, who was able to give me an update on my file. After XXXX, I was able to get a hold of XXXX XXXX, today, who finally told me they need more information from me. 

At this point, it's been 60 days since I started this process and I feel like my file keeps getting dropped through the cracks. Every additional day this takes is more interest I have to pay at a higher rate. I'm losing money the longer this takes and no one at Roundpoint seems to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed bank of america have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry
Product: Credit reporting or other personal consumer reports

Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XX/XX/XXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX  Date Opened XX/XX/XXXX {$2400.00} XXXX XXXX Date Opened XX/XX/XXXX {$3100.00} XXXX XXXX Date Opened XX/XX/XXXX {$2600.00} inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency, XXXX, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with Bank Of America. Even though I never gave XXXX  Permission to furnish my report. I called Bank of America, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. XXXX keeps telling me I have to contact the other party for them to delete it. And Bank of America & XXXX XXXX tell me the same about XXXX. It seems like they dont want to own up to violating my consumer right to privacy.
Product: Student loan

I am on a monthly repayment of my student loans and the lender is relentless, I advised that repayment of the loans at their rate is putting financial strain on me and they don't seem to care at all. If I don't pay the loan per their repayment plan, I am forced to have the negative reported on my credit bureau. I have been on repayment for three years and each year, I am required to increase my payments. At this time I have Federal Tax liability of close to {$4000.00} that I am struggling to repay. To make matters worse, Navient is now servicing another private loan of mine which originated with XXXX, then transferred to XXXX and now Navient. My monthly payments for my forced auto debit repayment is {$270.00} and the other newly transferred loan is {$98.00} monthly. At this point, this hefty payment is putting a financial strain on me.
Product: Credit card

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re- investigation of this item as its inaccuracies severely impact my credit core.I have repeatedly asked you to verify and validate this account, your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation. 
" Date of Last Delinquency is XXXX but the reporting states status updated XX/XX/year> per each bureau online. 

The documents attached represent a credit report pulled from freeannualcreditreport.com so dates may not reflect. I also would like to mention that I do not have an address on my credit report to match the address on file. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

repeatedly illegally denied credit. its always one of the following : 1-using resold data to claim score isnt clean, 2- nothing can be verified ( there was a nexis purge- that over purged data 12mos ago-they will not put in current info ), 3- denial based in regards to other matters never mentioned. 

3x now I have been denied credit or a bank account. My ID has been stolen, my mail stolen over 12 from a residence in XXXX, tn a year ago. My " landlord '' was stealing my mail and misdirecting it. Credit bureaus have refused to fix my reports since, claiming I lived where I have never lived. I can not prove address Ive never lived at. You cant prove a negative. 

As such my credit files DO NOT accurately reflect - 1- payment history, 2-address and other info about me -- which in this case is being used to deny accounts. I have asked XXXX under federal statutes to fix this mess- they are acting like a TS SCIF investigation office at OPM- demanding 5+ years of info from me -- instead of purging 5+ years of information from thier ILLEGALLY COLLECTED DATABASE. 

I demand all companies and bureaus and those holding any credit files to purge all data collected. This data is NOT appearing in the 3 main bureaus for good reason. Any other source is being used as extortion to force payment when there is no legal recourse or reason for the consumer to do so, given they will continue to be extorted. 

citi repeatedly uses old data resold to them each time an inquiry is made. They never request updated info. 

XXXX XXXX  has gone so far out of thier way to ruin me- they claim im a bad banking customer in so many words. I have had XXXX balance with them over 8 years- my disputes were due to VISA network compatibility overseas. All debts were counterclaimed and prviously resolved- yet- they insist that I bank badly and owe them money. I DO NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX 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 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 XXXXXXXX has validated my rights.

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

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Reporting Act and XXXX account number- XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Product: Mortgage

I have a home mortgage loan with Bank of America for a rental property I own that went through a loan modification from XX/XX/XXXX-XX/XX/XXXX. I made all of the modification payments on time, and I received a permanent modification of the loan in XX/XX/XXXX. Bank of America has sent information to all XXXX credit bureaus showing that the XX/XX/XXXX payment was late. I only realized this error was on my credit report recently after going through the process of trying to refinance the mortgage at my primary residence. I spoke with Bank of America several times about it, and they have consistently stated that their records do n't show that my payment was late. I have tried to dispute the item with XXXX and XXXX several times, but they are telling me that Bank of America 's records show the payment as late. It is very difficult to talk with someone at the credit bureau to understand the source of the records, but it clear at this point that Bank of America has sent erroneous payment history to all XXXX credit reporting agencies. I also completed a loan refinance for my primary residence last year, and I had to accept a higher interest rates because my mortgage FICO scores were higher than my regular FICO, due to the error from Bank of America, which is the only late mortgage payment on my credit report for the last 10 years ( and half of that time, I had XXXX mortgages ) .s.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX XXXXXXXX OPEND ON XX/XX/year> SHOWING IN MY TRANSUNION REPORTING AGENCY THINKING NOT MINE DUE TO IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

Experience refuses to provide me with an investigative report and continues to report inaccurate, false, and incorrect information on my consumer report.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

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, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX  # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX , has violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX , has violated my rights XXXX  XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX , has violated my rights 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: Student loan

My loans stayed closed but I still have a balance with interest accumulated. I tried to call multiple times but cant get a live person to explain to me why the account is closed but still have a balance that accumulating intrest.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed listed accounts to be blocked and deleted. 

XXXX XXXX LAST 4 of Social : XXXX XXXX : XX/XX/XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX # XXXX violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I was under the COVID forbearance program, was unable to get off without refinancing my whole mortgage, which was not allowed under this program, but Community Loan Servicing refused to adhere to federal guidelines. I attempted to have my payments added to the end of my mortgage, which was offered to me in writing by CLS, but they refused to abide by their own offer. I ended up refinancing with another company. It was then I realized they charged me over {$12000.00} for " loan maintenance fees ''. They do not return my calls or emails asking for an explanation of this erroneous charge. I demand this amount to be returned to me in full.
Product: Credit reporting or other personal consumer reports

It is now extremely obvious that experian is damaging my credit on purpose for retaliation for these complaints. The pic I am submitting as evidence clearly shows that according to experian own website that XXXX is recurring payment
Product: Payday loan, title loan, personal loan, or advance loan

I am being held responsible for a purchase I did not make and was billed for by the loan company affirm. A purchase was made from a company called XXXX XXXX XXXX in my name and appeared on my account as a {$90.00} loan. I have confirmed with the company XXXX XXXX XXXX  that I did not make the purchase and no items were sent to my address from them. 
Affirm refuses to correct the issue stating that I am responsible for paying for something I didn't buy or receive. 
I sent affirm an email from the company XXXX XXXX XXXX  stating they do not have any record of any purchases from me or of anything being sent to my address. The shipper does not have any record of it either. This is either a case of identity theft or a billing error on the part of the Affirm company. 
I have reported to the XXXX XXXX XXXX  but Affirm chose not to resolve the issue at that time as well. 
I have asked affirm for documentation of their ''investigation '' showing that I am responsible for this purchase and never received anything. 
Today I received an email stating that they are going to report the loan of {$90.00} as delinquent to credit reporting agencies.
Product: Checking or savings account

Merrill XXXX was advertising a bonus of {$500.00} if I moved my investments from other companies. I moved over {$100000.00} over and maintain {$90000.00} of it in the account after a withdrawal. Merrill XXXX denied my bonus and it's been almost a year and I still don't have the bonus
Product: Student loan

Starting in XXXX I have contacted Student aid.gov to make sure that my loans were set to be forgiven in XXXXXXXX XXXX XXXX I called weekly and spoke with representatives who confirmed that according to my payments that it would qualify for 120 payments in XXXX. In XXXX I was told that my XX/XX/XXXX payment would not qualify as XXXX placed me in forbearance. I was not aware my account was in forbearance until XX/XX/XXXX. I contacted both XXXX and XXXX XXXX customer service and was notified my XXXX and XXXX months would qualify towards the 120 payments. I was advised to request a refund of my XXXX payment. I requested the payment in XXXX and was informed it would take 45 days to process payment. In the meantime I contacted student gov each week to ensure in the meantime my Pslf certifications would be received. I was then informed to suit the forms digitally instead of upload to the website as my requests had been pending since XX/XX/XXXX. I was able to complete 2 digital copies in XXXX and XXXX which took approximately 19 days to be approved. I have not been able to complete a digital Pslf form since. I called student aid about it over 10 times, I was informed to use different browsers, different devices, and this didnt correct the issue. I called and informed a staff member this didnt work. Two agents logged in themselves and stated it worked for them so they didnt know what the issue was for me but to continue trying. I have tried since XXXX and its no resolve. XX/XX/XXXX I was advised that XXXX and XXXX months would probably not qualify towards my 120 payments. I was advised to compl tthe a reconsideration, which was submitted on XX/XX/XXXX. I called weekly to check the status of this form and was told to told 45 days. Once agent told me it would be checked by XX/XX/XXXX when I called after this deadline I was informed it would take 45 business days and it would be closer to the end of XXXX. I called again and spoke with a gentleman who advised me I had a save plan before even looking at my account. I informed him that I was on the IDR plan. He told me I was confused. After discovering this was XXXX fact my repayment plan he told me everything I had been advised since XXXX was incorrect and I need to complete the buyback reconsideration and include certain wording to ensure they reviewed my form. This was completed on XXXX. As of now I have no information on when my forms will be reviewed and when my loans will be forgiven. I would like insight as calling representatives and making complaints hasnt been successful. 
I have made payments since accounts came out of forbearance from the XXXX relief program and now many of my payments are showing ineligible. 
XXXX, XXXX, XXXX, XXXX, and XXXX payments are showing ineligible. I made 2 payments in XXXX. XXXX on XX/XX/XXXX and then the 2nd after the billing cycle renewed on XX/XX/XXXX. Why would these payments not count towards the 120. I now have 123 payments but only showing 117 in the system,