23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX SS XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Mortgage

XXXX XXXX XXXX XXXX lender Fay servicing # XXXX need bank to alleviate the extras fees and expenses that was added for my primary loan for the amount of {$270000.00}. now owing apron {$350000.00} plus {$17000.00} due at the end of XXXX years. Take in consideration this loan had a second mortgage for {$69000.00} that was settle with collection agency. 

Please know that I Purchase property XXXX on XX/XX/XXXX for {$340000.00} XXXX ( second ballon mortgage XXXX ) {$270000.00} ( first ) and {$69000.00} ( second ) I have been trying to be qualify for loan modification since XXXX since that time my primary lender XXXX sold loan to XXXX XXXX XXXX since then I been working with lender for a loan modification ; I Was placed several trials and after handwork and disputing with the bank who took five years to modify my loan I finally got it. In the middle on the XXXX loan to be modify XXXX XXXX XXXX sold the XXXX loan to XXXX mortgage and took long time to finally modify first mortgage. The XXXX mortgage was sold to a collection agency for {$88000.00} approx I thanks XXXX I negotiated and settled the account XXXX Now XXXX added lots junk fees and other fee that not sure where was coming from that make me to dealing with a predator lender bank is adding all the junk fees back to the loan making me owed more that what is the property worth at the current market.. I owed according to XXXX XXXX XXXX approx $ XXXX all modification paper was sent I contacted lender to explain to me in detail where all this extra fees were coming from ; why my loan is more than previous balance when was originated. i understand that was late on my payment but was not my fault when i was paying my trial and bank took long time to finalize the loan modification. Adding too much money for a property is still underwater and now more than previously. I feel that XXXX XXXX is a predator lender and put me in an very bad financial situation. it feels like will never pay this loan its balance will never ended.. Finally I received a letter where XXXX XXXX XXXX sold the loan to Fay financial servicing like it was a brand new loan with a extremely higher amount.. Would like to know if this is not what we call predator lender and why XXXX XXXX XXXX penalized me so hard increment my loan where it would never be paid. An asking the CFPB to please help me to investigate why XXXX XXXX XXXX charged me so much on extra fees making owing more on a property that will never recap its value.. I need to get some reduction on this overcharged /junk fees amount now I have been charge with.. Also my current monthly payment will be increased for the next 4 years to a monthly payment that probably could not afford. 

any help will apreciatethank you
Product: Debt collection

On XX/XX/XXXX I was notified by a Credit reporting agency that a collection account had been added to my credit report. 
I was not aware of any debt I had as I don't have any past due bills. 
I filed a online dispute through XXXX. 
On XX/XX/XXXX I received a letter from a collection agency Southwest Credit saying that I owe XXXX {$280.00}. I called the number and asked to have the negative credit report removed until there was the 30 day time period to verify the debt. 
The person had no idea how to handle to call and forwarded me to a recording where I had to leave my name and phone number. 
It appears this company has been " collecting '' this account since XX/XX/XXXX and states it is 3 months late. Although I have not had a notice or phone call as to a debt. 
This so called debt was brought up last year around this time by XXXX and when I disputed it XXXX could not verify it and the negative report was removed and that was that. 
Now this collection agency has bought it and trying to collect on a debt that is not valid and has reported contacting me. 
They said they sent a letter to an address lived at over 7 years ago. Yet today I got a letter in the mail at my current address 9 days after they reported late collections on my credit report. XXXX was given current address and phone number last year while verifying that I did not owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX to get a price on cell phone service. They asked for my SS # and I was not thinking they would run my credit. Had they asked for permission I would not have let them. I asked them to remove the inquiry as it was put there with out my consent. They refused. Please help, Thanks.
Product: Student loan

I have been having issues with my student loan servicers regarding accessibility of information, transparency, servicer transfers, and payment refunds. My student loans were serviced by XXXX up until XX/XX/XXXX, after which they were transferred to XXXX/Aidvantage XXXX I made $ XXXX in payments to XXXX during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX/Aidvantage over the next several months , still within the forbearance period. I requested a refund of these payments when the XXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that XXXX XXXX has lost information regarding my payment history when they transferred my remaining balance to XXXX/Aidvantage because neither servicer can find history of it. As a result, Aidvantage is refusing refund of the first {$10000.00} of payments and delaying the {$17000.00} of payment history they do have record of. I have called XXXX and they told me it was not their responsibility and that Aidvantage has to handle the refund. I have called Aidvantage 4 times, emailed once, and mailed bank statement history of payments directly to their office. Each call is met with operator confusion and telling me that the refund is processing on time but no one can give me a completion date. Every time I call I am told that it will be done by a different date, I was first told it would be done in 6 weeks, by XX/XX/XXXX. 4 weeks after my request, I got a letter saying it was just submitted and it would be 8 weeks to receive the refund, XX/XX/XXXX. First I was told that my loan balance would be reflected in Aidvantage 's website and then XXXX, now I'm being told I will get my refund and it will not update the balance? How am I supposed to pay off the loan then? In addition to the conflicting information, both XXXX and Aidvantage 's websites restrict account access to website features once the loan balance is {$0.00}. Aidvantage prevents users from acccessing their account inbox to send messages and contact the company with questions or concerns. They then force uses to mail or fax to send documentation. XXXX is the worst offender and restricts all access to the user 's account, including any and all payment history and tax forms. The current status from Aidvantage is that the refund is processing and is currently held up with their request to XXXX for information regarding the loan payments that I made that they did not transfer and have no record of. These companies have truly mishandled my money and should be subject to punishment.
Product: Student loan

The view in which borrowers view their account information at the payment screen is entirely misleading and deceptive. The screen, on a mobile device, reads as if the payment amount IS the payoff quote. Aside from being confusing, once you realize that it is not giving you a payoff quote and that it is a link, I have concerns that the mobile view is not ADA complaint. As a borrower with a XXXX  XXXX, I am at another disadvantage from this one oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 my credit card was stolen so I reported this and closed the account. There was a fraudulent charge of XXXX that went 30 days past due because I was not aware and under the impression the card was closed. The fraud department did an investigation and determined it was fraud and so the 30 day late was to be removed from my XXXX after 4 phone calls speaking with several supervisors I was assured the late would be removed and 2 months later it has not. I was also told a letter would be mailed to clear this late and that was not. 

I need help resolving this so I can get my fico score back up. 

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XX/XX/2008-XX/XX/2017, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/2011
Product: Payday loan, title loan, or personal loan

I advised XXXX that I wanted to stop any automatic withdrawals from my banking accounts on XX/XX/XXXX. Since this time they have taken out four additional automatic withdrawals on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totaling more than {$600.00}. One of those was taken out even though I had a payment arrangement with them and two have resulted in insufficient funds fees of XXXX each. I am now sharing an account with a family member and did not want them to know about this loan. When I called them and asked how much my original loan was for, how much Ive paid back and what my balance was, they could not give me this information. I had issues with XXXX before and made a serious error in judgment by going back when I was told that things had changed. These errors are their part have resulted in my family member being aware of my loan and of additional expenses. Everything Im telling you can be verified if their calls are recorded.
Product: Vehicle loan or lease

Hello, I recently were affected by hurricane beryl. I was without power for 6 days, my job has been affected as well. We are closed until damages are repaired. I thought that I would have been approved for XXXX assistance by now and could have gotten caught up on bills however my application is still pending. I am in need of assistance to push 2 of my loan payments back. Ive tried to reach out to Capitol one auto directly and spoke with 2 different departments that told me they are unable to help due to this being a new loan but they stated they do not have an extension options for me at this time. Ive reached out via online on XX/XX/year>, which prompted me to call and speak with someone directly. I called via phone twice on XX/XX/year> and have spoken to 3 different representatives that explained the same thing. I understand this is a new loan but natural disaster are out of the control of people and companies should provide options for thier consumers no matter the length of thier agreement.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have reviewed my credit reports and noticed I have several un authorized inquiries. I have listed all inquiries with other supporting documents. 

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 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, credit repair services, or other personal consumer reports

On about XXXX, I was a victim of apparent Identity Theft as well as Data Breach from several businesses i.e. XXXX, XXXX, XXXX and others. I reported the information to the consumer reporting agencies as I was getting calls and collection attempts for accounts that I did not consent to, authorize or create. Nothing was done other than tell me that the accounts are mine. I explained that someone had used my information to obtain credit and I would not be responsible for for payment and that they remove such accounts from my credit reports, but to no avail. Also some of the accounts eventually went into collection and was either assigned or sold to non-compliant collection agencies. They started sending me letters and putting erroneous, inaccurate and false information on my consumer credit report. I called them and I wrote to them and I tried on numerous occasions to have them remove the accounts from my credit reports, but they threatened me and bullied me and tried to extort money from me. I have tried contacting the three credit reporting agencies, XXXX, XXXX and Experian and they give a half effort to verify the accounts with the creditors on the credit cards and the collection agencies for the unpaid accounts. Obviously, as I have communicated to the credit reporting agencies, the information will be VERIFIED by the creditors as my debt because the information obtained to open the accounts is similar to my information but the addresses used and the use of the credit cards was not my doing. But the credit reporting agencies allow the collection agencies and the creditors to continue to state that the debt is mine without obtaining the " ORIGINAL CONTRACTS '' from the creditors and collection agencies. All of the collection agencies who are attempting to collect on the debt are not AUTHORIZED by the State of GEORGIA to conduct collection business ; therefore they are in clear violation of federal laws and violating my privacy rights. They have no permissible purpose to collect from me as well as not be allowed to report negative information on my credit reports. 
I am requesting that your agency submit a CEASE and DESIST order to them and have them remove all negative collections from my consumer credit reports within the next 15 days. I would also ask that I be awarded civil damages from the following collection agencies for the blatant violation and disregard of federal laws. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your cooperation in the matter would be greatly appreciated. I am also attaching several attachments to this complaint and you should be aware that I have submitted these documents to the collection agencies and the Credit reporting agencies and the negative accounts still remain on my consumer credit report without my consent and my authorization. 
PLEASE STOP THE COLLECTION ATTEMT AND PERMANEMTLY REMOVE AND DELETE THE NEGATIVE ACCOUNTS OFF OF MY CONSUMER CREDIT REPORTS. ( ALL THREE CREDIT REPORTING AGENCIES )
Product: Student loan

Mohela, now under MohelaXXXX failed to remove the forbearance from my account despite multiple requests during phone calls to the company. This began in XXXXXXXX XXXX XXXX, and has resulted in missed opportunities for loan forgiveness under the public service loan forgiveness program. This has had a direct effect on my patient 's health, as I am unable to see patients in my clinic more than one day a week while working under this program. My XXXX  commitments were satisfied in XX/XX/year>, but Mohela has not processed or even acknowledged my requests to remove the forbearance. This is a distinct problem from the " save-litigation forbearance '' that is on the account currently, as this problem preceded the XXXX court injunction. Furthermore, the payment counts in the XXXX tracker are incorrect due to the incorrect reporting of payments by Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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, credit repair services, or other personal consumer reports

I've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, Transunion refuses to update me from being listed as XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$470000.00}
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate. 
Account Name : XXXX Account Number : XXXX The inaccurate item that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX Date of Inquiry XXXX/XXXX/2023, XXXX  Date of Inquiry XXXX/XXXX/2023XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2023, XXXX XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2023 & XXXX XXXX Date of Inquiry XXXX/XXXX/2023
Product: Student loan

I've asked Navient/ XXXX to stop contacting my employer directly and they have so far refused to do so. Our HR manager received a fax today from Navient/ XXXX  and it was a request for employment verification. This is ridiculous at this point and XXXX.
Product: Debt collection

Currently have a auto loan with Santander Consumer USA. The account was charged off for being past due for over 120 days. I asked if the account was charged off would Santander still own the account and who would be the debt collection agency. 

I made a payment on the account to take it out of repossession status. Santander informed they could not give me anything in writing regarding my account being released from repossesion status. The customer service agent stated she sent the request over to the vendor ( tow company ) but I have nothing in writing to confirm that.
Product: Mortgage

I refinanced with XXXX Mortgage. XXXX Mortgage then transferred my loan to Nationstar Mortgage. I was not notified of the transfer until after my XXXX 2016 payment was already electronically taken by XXXX Mortgage. XXXX Mortgage contacted me and advised me that my loan was being transferred to Nationstar Mortgage and that I should be receiving a " welcome package '' from Nationstar advising me of the transfer. XXXX Mortgage indicated that since my loan was in the process of being transferred they would be sending the XXXX 2016 payment to Nationstar Mortgage. This did not take place. I was contacted by Nationstar Mortgage advising me that I had not paid XXXX 2016 mortgage. I told them that I did in fact pay XXXX 2016 and it was paid ON TIME. This fiasco has been going on for over a month. Finally ( with the help of XXXX Mortgage representatives only -- nobody from Nationstar would even attempt to help ) the payment was " found '' but I continued to receive notices indicating that my mortgage was past due etc. I have never paid my mortgage late. To add insult to injury a {$12.00} " fee '' was added to my account. I had to argue this over and over again. This whole process has taken over a month, tons of phone calls, emails etc. Finally, today, I receive a return message indicating that Nationstar will " waive '' XXXX TIME a late fee. My payment was not late. Even when the payment was " found '' I was never notified by Nationstar that they had " found '' it ; I had to figure that out on my own by going online to my account. Nationstar Mortgage has been disrespectful, unprofessional, and dishonest throughout this nightmare. In addition, it is unsettling to me as a consumer when I wonder where my XXXX 2016 mortgage payment was while it was " missing '' The funds were gone from my bank account but yet they were not applied to my mortgage for a month? Something is not right. 
Thank you.