23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification on everything on my credit report and they did ; they stated that everything is accurate. I have done a thorough research myself and looked even further and found improper inaccuracies on my credit report even after the credit bureau did their research. 

In accordance with the Fair Credit Reporting Act Convergent ( Account # Below ), has violated my rights. 

15 U.S.C 1681 section 602A. 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 an 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 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 or other personal consumer reports

Signed loan document in amount of $ XXXX 11.9 % interest on XX/XX/year>. Loan details are XXXX payments of {$250.00} for XXXX years. Made a total of XXXX payments : {$250.00} on XX/XX/year>, {$570.00} on XX/XX/year>, {$16000.00} on XX/XX/year>. Current remaining balance is {$3500.00} but XXXX XXXX XXXX XXXX ( XXXX  ) reported on my credit report that I owe {$20000.00} on XX/XX/year>. The last updated report was XX/XX/year> stated I owe {$20000.00}, which negatively reflects as I am {$32.00} over my limit with NO payments. I called to have the credit report updated but the representative said it can only be changed once the loan is completely paid off. This has brought my score down XXXX points.
Product: Credit card

On XX/XX/year> I received a VISA card in the mail, with information on how to activate the card. This was done by Kohl 's, in conjunction with Capitol One. 
I had a Kohl 's store account, but I did not request a VISA card. I contacted Kohl 's stating I did not want the VISA card and I wanted to ensure it was not set up. I was told they can not assist me, and that I would need to all them back after XX/XX/year>. 
I then closed my Kohl 's account and requested to speak to someone who could make sure the VISA card was not an active account. No one was able to assist. They insisted my only option was to call later in the month. 
I do not like having an un-requested VISA card show up in the regular mail, and I do not like that I can't close the account, or ensure it isn't an active account, until over a week from the day I received it.
Product: Student loan

Van ru will constantly call you constantly send mail and constantly lie Department of education does n't care, and will still deal with the XXXX scammed XXXX Whatever you have to do to not deal with student loans, do it because all of it is XXXX. 
They all scam you together, nobody is on your side.
Product: Debt collection

I was told I owe {$2000.00} for a XXXX bill. I was even served court papers stating I was going to have my wages garnished. I only owe about {$1600.00} but since I was served court papers, they added about {$500.00} to my total amount.
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score .In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. XXXX XXXX XXXXXXXX, account number-XXXX
Product: Money transfer, virtual currency, or money service

Today just a few minutes ago {$500.00} was sent to a paypal account linked to XXXX. 

XXXX XXXX Details Sent to XXXX  XXXX XXXX   Transaction ID XXXX My personal email is XXXX I assume they hacked into my paypal and sent funds to their account.
Product: Credit reporting or other personal consumer reports

personal information exposed new collection accounts i dont recognize. i also called and requested my information to be frozen even thought it was still exposed and accessed with out my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from CRDCO, XX/XX/2022, XX/XX/2022, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Mortgage

I secured a loan from Quicken Loans/Rocket Mortgage to purchase a home on XX/XX/23. Loan number XXXX for {$370000.00}. The sale price of the home was {$390000.00} and it was appraised at {$440000.00}. I originally put {$20000.00} down, 5 % of the mortgage, so PMI was required. Following the purchase, I sold the home I was living in and applied the proceeds, {$250000.00}, to my Quicken Loans/Rocket Mortgage account, reducing the loan amount to {$130000.00}. I have paid 65 % of the loan. My mortgage statement shows that I have a monthly payment of {$56.00} for PMI. When I called to cancel the PMI, I was told that I must pay it for a minimum of 2 years even though I have paid 65 % of my loan and my loan to value ratio is 32.85 %, clearly a low risk. Isn't this illegal under the Homeowners Protection Act? 
Please help.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This problem originally included both XXXX  and XXXX  ; XXXX  corrected the issue and removed any reference to Shellpoint from my credit report. XXXX  did not. 
The furnisher company involved is Shellpoint Mortgage Servicing, a division of NewRez LLC. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with XXXX even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by Shellpoint also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, Shellpoint was not the servicer of the loan and it belonged to a different company as well ( Shellpoint services it for XXXX  XXXX, XXXX  ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of Shellpoint that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is XXXX  's report on the issue. Notice that the information that supposedly came from Shellpoint is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at XXXX, they claimed not to have access to the PDF I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.
Product: Credit card

USAA did nothing to protect us after we immediately reported a fraudulent charge, while the charge was still pending. I canceled my card and requested a new card but was basically ignored until my husband called. The card was in my name but, not even once, did USAA notify me of the status of the requested fraud investigation ; they sent all written communication directly to my husband and addressed everything to my husband. Furthermore, USAA never once asked either of us to directly contact the merchant from whom the fraudulent purchase was made. Instead, USAA promised us they were doing a thorough investigation. In the meantime, they took the entire disputed amount, more than {$690.00} out of our bank account. Their investigations came back with an erroneous determination that we did indeed purchase the item. We had no knowledge about, nor did we have an exact shipping address for the alleged item. We had to basically beg a supervisor to divulge what exactly was the item in question and where was it supposedly sent ; the item was sent to a different State and we were never even told to whom it was sent or to what exact address. After my husband was basically told that we lied and mustve made the purchase, today I called the merchant myself. The merchant immediately advised me that it appeared my account had been hacked and even locked, so neither the agent nor I could even look at the account details! Thankfully, after 2 stressful and upsetting months working unsuccessfully with USAA, the merchant determined immediately, with my single phone call, that we were indeed due a refund. This kind of integrity and action was what we expected from USAA, the bank with which my husband has been associated for more than 42 years. There is something very wrong going on at USAA. I am extremely relieved that the merchant is doing the right thing, but I thought that an overseeing fiduciary body should be aware that USAA is basically stealing peoples hard-earned money with their so-called investigations. We will be taking our money out of USAA and moving it to another bank. The merchant has advised it may take up to 62 days for us to receive our refund check. Though this strains our day to day flow of funds, at least we will eventually get back our money. Shame on USAA. This bank should be thoroughly investigated for spousal discrimination and theft. If it happened to us, Im sure its happening to others. One final note, I hope that the person who committed the fraud is brought to justice. I would be willing to do all I can to help move matters to that end. This whole ordeal is shameful. I am, again, grateful the merchant came through.
Product: Student loan

Navient has me paying two separate private loans. Which is two separate bills ontop of the consolidated federal loans I have a bill for. They should be consolidated and the interest rates are ridiculous. One is 10 % and the other is 13 %. I do n't think students get enough help and we graduate to have three different loan payments. Navient has n't offered any solutions. I 'm going to try to find the paperwork with these high interest rates. Hopefully there is some way I can just have one private loan payment with a lower interest rate. My federal loans are 5 % so that 's great no complaints there. Please help. How do we get private loans forgiven? How do we get private loans consolidated or my payments lowered.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PL XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XX/XX/XXXX CAF XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$760.00} XX/XX/XXXXXXXX XXXX  XXXX Balance : {$2900.00} XX/XX/XXXX XXXX XXXX Balance : {$450.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX conspired with Experian to downgrade my credit score to XXXX to cover up discriminating nature of rejected application. 

The Experian report listed negative non-measurable, non-numerical, non-defined verbal parameters that must be reflected in the credit score : " Too many inquiries last 12 months Time since most recent account opening is too short Amount owed on revolving accounts is too high Length of time revolving accounts have been established ''. 
See attached XXXX XXXX has my credit score as XXXX. 
See attached document XXXXXXXX. 
XXXX have my score as XXXX. See attached document XXXX 

That was happened twice when I applied for XXXX XXXX XXXX  credit card while my credit score was well above XXXX. See attached documents XXXX and XXXX
Product: Credit reporting or other personal consumer reports

The account states I was 60 days delinquent however there is no record of a 30 day late payment status. How is that possible? It's not. I was never late. And all three credit bureaus ( XXXX, XXXX, and Experian ) are all reporting something differently. 
The Fair Credit Reporting Act ( FCRA ) statesFurnishers of information ( e.g., creditors ) are required to report only information that is accurate and complete. They must take reasonable steps to ensure the data they provide to credit reporting agencies is correct. If a furnisher discovers that the information they reported is inaccurate or incomplete, they must promptly correct or delete it and notify all credit reporting agencies to which they provided the incorrect data. 
Please update this account on this date : XX/XX/18 to paid on time and never late. 
Thank you for your prompt action.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S, C 1681section 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
Product: Mortgage

My mortgage loan closed in  XXXX    XXXX  . In  XXXX , it was sold to  PHH M ortg age d/b/a "    XXXX  ''. I received a letter indicating my monthly payment of {$1800.00} due on the first of each month. I set up auto-pay to pay on the  XXXX  of each prior month, over a week before the due dat e. PHH Mortgag e mis-processed my payments and began charging me late fees - {$80.00} in  XXXX  and {$73.00} in  XXXX , despite having been current on my payments.     The first time I called PHH, the rep said I had to pay the fees and then retroactively submit a petition for refund. The second time I called, a supervisor refunded the fees.     I believe these fees are predatory and exhorbitant. Giving customers the run-around on fee refunds similarly takes advantage of consumers.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

Southwest Collection Svc was a collection agency that I owed money for an eviction to. I was able to pay half of the money owed. This credit account passed the 7 year mark and fell off my credit last year. I had a credit alert that this creditor pulled my credit on XX/XX/21 as a hard inquiry for a new installment loan or new bank account inquiry. I did not give permission or apply for any new loans through this company and now they have all my personal information. This company has threatened me to put me in jail and to sue me again. I feel this company has been collecting on debts by harassing and illegally damaging peoples credit without the legal right to do so. They need to be stopped and be held accountable for their collection procedures. I have a copy of the credit report that was illegally pulled after it had fallen off my credit report. I have already reported this as a fraudulent inquiry with the credit bureaus. To recap : a new account inquiry for an installment loan or new bank account was pulled on my credit on XX/XX/21. When I checked my experian account it was placed from an old creditor that has fallen off my credit report after 7 years. I did not authorize or apply for this company to do this. 

The company is : Southwest Collection Svc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have an account w/Barclays ( ending in XXXX ) on which I purchased a laptop for my daughter with 0 % financing in 2017. I made payments well above my minimum and asked that the payments be applied to that purchase first and they chose to apply ALL of my payments to subsequent purchases. 

Now three ( 3 ) years later, i get a bill with additional interest of {$770.00} added for this month, which includes interest back to 2017 for the promotional fee that was not paid off, as they applied all payments to subsequent purchases. 

i have never been late on any bills ; i have made payments well above my minimum ; this is unfair consumer relations, and especially during these trying times.