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

n accordance with the fair credit reporting act XXXX XXXXl 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 an account without my written instruction.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call from Maxlend asking me to return their call regarding my loan. I did so on Wednesday, XXXX XXXX. I spoke with an Advanced Customer Representative. She asked me how she could help and I explained to her that I was in a debt consolidation plan ( XXXX XXXX XXXX ) and that I needed a statement ( email ) with my name, address, amount borrowed, amount due and account number. I told her there was no where on their website for me to garner that information for the debt lenders. She said hold and Ill send the email now. I never received the email. Yes, they have my email address in their system correctly because I receive many emails regarding my account. Maxlend has called me approximately six times since that call asking for me to return their call regarding my past due account. Since the 7th phone call I have asked an additional three times to no avail.
Product: Debt collection

XXXX/XXXX/16 they were instructed not to call me at work. They call when it 's not even late
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report 6.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. Validate Account Account Number : XXXX Please remove it from my credit report. 
16. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
17.Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX Credit Card # XXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have two fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion Credit File # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion Credit FIle.
Product: Credit reporting or other personal consumer reports

I have disputed this report ( XXXX ) several times for the inaccuracies Experian has violated 15USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate regarding reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account 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: Credit card or prepaid card

My card was restricted 2 days ago for reasons unknown. They said fraudulent activity. I am on vacation with my family and have no credit card to check into hotel with. Stayed in a rest area last night and probably to night again also. Called them over 6 times to try and fix card. Sent them copies of license, soc sec card and bank statement to verify who i was and my address. Explained that my family and i are on vacation and staying in car until this is fixed. Everything is verified and I still cant get my acct fixed. They dont care. They read scripts and talk the same XXXX every time I call. Now that " everything is verified, the rep cant unrestrict it because the account manager has to verify everything and then call me.. Which I been waiting for hours for this call. I never had to deal with anything like this before, especially from a big company like Capital One.
Product: Mortgage

On or about XX/XX/XXXX Nationstar Mortgage LLC d/b/a Mr Cooper Mortgage failed to pay my homeowners insurance premium from my escrow account. Not only did they fail to pay my insurance premium from my escrow account, but in fact, using my funds, they actually made a payment to an incorrect, unknown, account with a different premium, difference address and different account number, without my knowledge or authorization, causing my coverage to be cancelled. My homeowners has been escrowed with Mr Cooper since XX/XX/XXXX. 

On XX/XX/XXXX my property sustained damage when hurricane Beryl made landfall in Texas, XX/XX/XXXX. When I called my insurance agency, XXXX XXXX XXXX, to file a claim, I was informed my insurance had been cancelled due to non-pay. 

Nationstar llc d/b/a Mr Cooper 's failure to pay my hazard insurance premium from escrowed funds had left me with no coverage during the hurricane. 

I have since reached out to Mr Cooper through numerous representatives trying to resolve this issue. Their failure has created several problems, including unrepaired property damage, new homeowners insurance with an increase of premium, erroneous information on my account and being held accountable for their failures.
Product: Credit reporting

I sent a dispute to TransUnion based on inaccuracies being reporting by XXXX XXXX XXXX XXXX. The account was set up on automatic deduction and the credit union failed to take out. I spoke with representatives from the credit union who asked me to send a dispute to TransUnion and when TransUnion contacts XXXX XXXX XXXX XXXX, ( Creditor ) they will request the information be corrected. TransUnion deleted the account, along with XXXX other accounts I have with XXXX XXXX XXXX XXXX. XXXX account was paid in full with a perfect payment history, and the other XXXX accounts are being paid, with a perfect payment history. A total of XXXX accounts were deleted, due to Trans Unions error and has affected my score and my ability to secure a mortgage.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2021 I transferred money from my wallet on the XXXXXXXX app ( $ XXXX fees {$340.00} or {$390.00} ) to my XXXX wallet on Coinbase app on my XXXX. 

The transaction is showing as successful in the blockchain. My money is not showing up in my XXXX wallet on Coinbase. 

I contacted both companies. XXXX said it was showing as a successful transaction on their end. Coinbase said they dont support XXXX and could not accept my funds. I asked them to send it back to my XXXX wallet then since XXXX said Coinbase has control of the money right now and they cant reverse the transaction. Coinbase told me they wont release my money and the XXXX had to reverse the transaction. They are both blaming each other and saying the other company can solve the problem. 

I just want my money back please help.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices. Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

Got an email from Bank of America about a new credit card issued to me which I did not apply for and possibly used to purchase airline tickets on XXXX XXXX
Product: Student loan

My monthly payment increased to $ XXXX/month and I was laid off from my job. After going back and forth with my private loan provider about lowering my interest rate, my application for a lowered interest rate was denied twice. Now I am being hit with late fees in addition to two months of unpaid payments. I do n't know what to do, and the company is not giving me ANY information on how to move forward in a way that works for me in my current situation. If my payments were lowered, I could continue paying on time as I have done every single month since graduation in 2009. Instead of helping their clients, private loan companies pigeonhole them and hold they accountable for insanely high payments even during unexpected hardships, such as losing a job. I 'm simply asking for a new or revised contract, in which the folks on the phone at Navient are unhelpful with their information and keep repeating the contract I 'm currently in. I should n't be a prisoner of my student loan debt. I am a responsible person who is trying my best to make payments every month, but when my $ XXXX/month payment gets double and I lose my job, I simply can not pay. I should n't have to explain to any decent person that I have other payments to make such as rent, food, utilities, health costs, other student debts, etc. etc. If I was living off the streets would it be a reasonable cause for my payments to be lowered?! Not everyone has a trust fund and not everyone can scrape their family members clean of their hard earned money. My voice is not being heard. It 's simply unacceptable that while I 'm in communication with the company about a revised contract I " owe '' a late fee. I do n't know why this type of business is n't being called as what it is -- criminal activity. Forgive me for putting myself through school and borrowing money. I 'm truly at a loss.
Product: Debt collection

On XX/XX/2019 XXXX & XXXX  reported a collection account for a debt I have no knowledge of and never received any notification. This caused my score to drop -34 points. I have no connection or contract with this company and would like them to delete all negative reports on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out Letter to Remove Inaccurate Credit Information from XXXX, Experian and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to XXXX, Experian and XXXX
Product: Mortgage

I was in a Chapter XXXX bankruptcy with payments being made timely. However, there was miscommunication with staff from my attorney 's office. I had met with the atty 2 weeks before a scheduled court date, but my understanding was that I did not have to appear at the hearing for XXXX. As I was not there, the hearing was rescheduled, but I was not notified of the rescheduled date a month later and the bankruptcy was dismissed. The bankruptcy was simply to hold off Caliber Home Loans from foreclosing. I had been a repayment modification and payments were being made, but received a default notice stating I was not following the plan - the information was not consistent with information on the automated system or website. Caliber immediately went to foreclosure and I once again entered Chapter XXXX to stop the foreclosure. 

This time, the bankruptcy was dismissed XX/XX/XXXX and I spoke with Caliber about loss mitigation as my income had increased substantially to see if that was an option - I was told it was. I received a packet at my home on XX/XX/XXXX, and had spoken with a represenative twice with the final call discussing financial information on XX/XX/XXXX and had received a loss mitigation package on XX/XX/XXXX. My bankruptcy atty had also received a packet at their office to forward to me on XX/XX/XXXX for loss mitigation. I submitted the packet on XX/XX/XXXX by fax as the system was no longer operational for me to upload documents. When checking the status again this morning XX/XX/XXXX to see if the process was started, I was still locked out. I was informed today by Caliber that there is a foreclosure date of XX/XX/XXXX ( confirmed with XXXX XXXX XXXX who are handling the foreclosure ). The representatives including a supervisor advised that Caliber had been in error in sending out the Loss Mitigation package as Caliber requires 37 full days to review a Loss Mitigation package once they confirm it is complete ( there is a review time for them to consider it complete ) before a foreclosure date. I argued that I had postmarked documents and emails with Caliber representatives and that there were only 40 calendar days from the date of the Chapter XXXX dismissal to the foreclosure date so in actuality it would never have been possible. I was advised they could reprimand the individuals who discussed loss mitigation and forwarded the documents to me and my bankruptcy attorney as there was never enough time for them to review, but there was nothing else they could do. I have no other option but to consider Chapter XXXX AGAIN or lose my home. It just so happens that in the last 3 years the property values for my area have almost quadrupled, but it is difficult to sell and find another home in the meantime due to the Chapter XXXX on my record.
Product: Bank account or service

I called TD Bank today in order to find out why XXXX was not accepting my card online. TD Bank Rep XXXX today on XXXX/XXXX/2015 started yelling at me and told me a lie that my card was not active and that she needed to activate a new card sent in the mail with beginning date of XX/XX/XXXX - I told her I did not want to do that but instead of listening to me she bulldozed and bullied over me and called a 3 way mysterious number wherein she fed all of my personal information ( card number, expiration date, tax ID Number, social security number etc ) into God knows where and to whom. The number she called was supposedly automated and it kept saying that the information she fed was not correct so she kept milking me for more security information and I got very suspicious and told her I wanted to speak to a supervisor. It appeared that and felt like she was feeding my personal financial and identification information into some XXXX fraud ring and I told her to stop. Instead of transferring me to a supervisor she transferred me back into the cue line, where I had to start the entire process all over again and spoke to someone named XXXX who then finally gave me to a supervisor. I am now herein filing a complaint.
Product: Credit card

On a spirit air flight I was given an offer for XXXX miles if approved and if I spend XXXX in 3 months. Iwas approved for XXXX limit. After spending XXXX In first week and paying off the balance bank of America closed my account before letting reach the XXXX spent. I upheld my obligations and in good faith used the card as promised but was see denied to reach the XXXX by closing the account
Product: Credit reporting, credit repair services, or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX inquiries to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made many attempts to have this account resolved, investigated and removed from my credit report with XXXX. The reported creditor and credit bureau XXXX XXXX are reporting unfair derogatory and inaccurate account information regarding this account ( XXXX ) with creditor JTM CAPITAL MANAGEMENT LLC. This inaccurate information is not being investigated and verified fairly by XXXX. I have reach out to JTM CAPITAL MANAGEMENT LLC about this outdated account. I never had an account with JTM CAPITAL MANAGEMENT LLC and my attempts to have this resolved and have it removed from XXXX has went unresolved. I didn't receive any notification, billing statements, or notice of default of any kind from this financial institution. But when I review my credit report from XXXX they have years of derogatory report information in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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
Product: Debt collection

Recently my family has been going through a finical hardship and are only able to pay our bills that are necessary. I called Franklin Collection Services to cancel our XXXX $ a month payment, and the XXXX $ charge they add to that payment because we simply can't afford to pay it for a couple of months, and can not afford the risk of them taking money out of our bank account monthly. I am still able to pay some on our accounts, but I can't give a def amount of how much or when I can pay. They are refusing to stop payments, stating that " you are making payments so we won't sue you ''. I asked to also get a copy of all of my husbands and my accounts, along with the account numbers and how much we owe. They refused to send me that information, which I should have access to. I have actually gotten all my account info from them in the past, and recently filed a similar report about this very issue. After I filed a report about them not giving me my account info, I was sent my account info. Now they are stating they don't send it out that I don't have access to that information. 
At the end of the phone call today after they said that my husband needs to call to try to figure out ways to pay this months payment. I was the one who set up payments because I am on the account with my Husband, and I also told them that we just simply did not have the money to pay it this month. 
Once we are finically stable again, I can of course pay more on this account or continue to pay the same amount as I did the last few months.