23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have applied to my my current mortgage services for a modification under their guidelines which I believe is the Hope program. They have been reviewing my file for almost one year and have not been able to render a decision. I speak to them almost weekly and have hundreds of mailed documents asking for information and I supply the requested documents only to get asked for more documents or more updated documents.

I feel that because I have not missed any payments yet that there is no reason for an investor to take my loan. As a result, I feel like I am being denied a loan modification.

The loan was originally a 7/23 interest only ARM. It was interest only for the first 7 years then it adjusted to a 23 year amortization loan which changed my payment from about {$2100.00} per month to now {$4800.00} per month. It gets worse every year because the number of years it is amortized goes down by one year so I am now at about a 19 year amortization.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my consumer report that have been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please see attachments for Identification ( ID and copy of credit card billing statement ), police report case number, and Identity Theft report.
Product: Checking or savings account

I had an account with Suntrust Bank opened XX/XX/XXXX. I paid the balance of the account off in XX/XX/XXXX with a deposit of XXXX. I opened a new account with Suntrust 1 1/2 years ago and had a dispute in which I made a cash deposit and did not get the credit for all of the cash so they filed a dispute, discovered I was correct and reversed fees and sent me a letter. 
Now all of a sudden they send a collection over to XXXX XXXX XXXX XXXX indicating that I owe XXXX. I called Suntrust Saturday XX/XX/XXXX and they said I had to call this creditor. I just spoke with creditor XX/XX/XXXX and they said I made a deposit of XXXX in XXXX and then Suntrust added on XXXX in fees and then added a XXXX collection fee which makes the sum total of XXXX If I had an outstanding balance with Suntrust ( which I did not ) why did they open a new account for me in XXXX? I NEVER received anything from Suntrust since I made that final deposit of XXXX re account ending XXXX. 
I attempted to reach the department that handled my dispute XXXX and just keep getting looped through automated system.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and Experian, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and Experian, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, Experian, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and Experian continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and Experian seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went into XXXX XXXX of Ford to see about the possibility of purchsing a vehicle. I did sign a piece of paper that XXXX XXXX Frod will ask for identification to confirm how I am and that is all I signed, once. Also staing that it is XXXX XXXX Ford I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of Califronia and when I received a mailing from The California Office of Attorny General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I aggree to submit this application and any other application to other banks that XXXX XXXX Ford XXXX decloses to me. I was not told of any other bank my word of mouth nor by paper work. I find that what XXXX XXXX did was decietful into doing one thing, that is to demolish my credit report with numerous babk loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past few days I changed my email subscription with XXXX XXXX to get more preferred emails. I also checked XXXX XXXX and it had the option to look at my auto loan. There were only a couple options and I read through the details then backed out. Ive been planning to refinance later in the year after my XXXX hard inquiries get dropped. There is no reason for any company to run my information. Im also curious as to how they received my information if it wasnt given or approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is listing the incorrect address for XXXX XXXX XXXX XXXX XXXX. The street address is listed as XXXX XXXX XXXX XXXX. The correct street address in XXXX XXXX is XXXX XXXX XXXX XXXX. Transunion is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as XXXX XXXX XXXX. The correct name should be XXXX XXXX XXXX. XXXX XXXX XXXX also has an address in XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. What is the correct address for XXXX XXXX XXXX for communication regarding consumer credit reporting - XXXX  or XXXX XXXX?
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Student loan

In XX/XX/XXXX, I finished my XXXX payments to qualify for XXXX of XXXX loans serviced by Mohela. 

On XX/XX/XXXX I received a letter that indicated the unsubsidized loan was forgiven, but I still show a balance of {$62000.00} on the subsidized loan. 

I was then advised by XXXX, a XXXX guidance service that I subscribe to to file this complaint.
Product: Checking or savings account

Was working and had XXXX transactions totaling in {$550.00} and made a claim stating it wasnt me it was investigated by Wells Fargo and I was denied because they claimed it was no fraudulent activity
Product: Credit reporting or other personal consumer reports

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX SSN XXXX XXXX Collection Acct : XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

Thank You
Product: Student loan

My son was readily provided with numerous school loans from XXXX in XXXX. I cosigned a loan for him six years ago. When he was unable to afford all of the monthly balances, I stepped in to help several years ago. I made a large payment believing the loan was almost satisfied. It has taken me two years to get answers, loan paperwork and exact balances. In the past two years, after countless phone calls and letters from my end, interest capitalized. I requested an ombudsman this XXXX but was actually connected to a Navient employee. My concerns are lack of explanation to my son when borrowing all of this money, lack of communication to me as the cosigner over the past several years, and incorrect statements by Navient. One example of this was a recent conversation with a " top '' loan administrator who insisted that I should have known about increasing interest penalties due to monthly statements. I have never received statements and was told on several phone conversations that as the cosigner I had no right to specific information. As it turns out, they did not have my address correct. Statements were never received by me. I corrected my address with Navient in XXXX of this year, and have yet to receive any statements on this account. In order to reduce the extremely high interest rate, I borrowed as much money as I could three months ago to pay down the loan. I have a small balance left to Navient, and still can not get statements. I have also tried several times unsuccessfully to pay online these past two months. The insistence that I should have known all along what was incurring is incorrect as statements were not received by me. The address they had on file this summer was not even an address I recognized. I was also told repeatedly over the past four years by phone that I was not allowed to get specific information, which I believe as a cosigner is also incorrect. Interestingly, I recently heard an interview on XXXX by a young woman stating that she was offered and given numerous loans from The XXXX XXXX XXXX XXXX XXXX, XXXX, without a clear understanding of how much debt she was actually incurring. These young people are getting themselves turned upside down financially unknowingly before they even have the opportunity to make an income. My frustration is the way Navient mishandled communication and has cost me thousands of extra dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as a consumer have the right to privacy and Designed Receivable Solution has violated my right to privacy by furnishing private credit information under my name, without my written consent, or without authorization by a competent court, having jurisdiction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
USDOE/XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX 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 or other personal consumer reports

Name : XXXX XXXX Highest Balance : XXXX Account Number : XXXX Date : XX/XX/year> I recently reviewed a copy of my credit report and noticed a fraudulent account on my report. Please remove this account from my report as it is hurting my ability to obtain credit. 

You are reporting this collection account XXXX XXXX as an open account which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and been removed. 


I am writing to dispute the following incorrect information on my report, XXXX XXXX XXXX disputed by XXXX XXXX. This item is currently showing inaccurately on my credit report filed with your credit bureau. Pursuant to 5 USC 552a ( i ) ( 3 ), I am requesting that this disputed item be removed immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. 

Please contact me at the address below to let me know that you have corrected my credit report by removing the disputed item within the next XXXX calendar days as stipulated by the Fair Credit Reporting Act. 

Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, XXXX XXXX
Product: Student loan

I signed up for direct debit for my student loans from my XXXX in order to reduce the interest by .25 % from the original 6.8 %. Today I looked on my account to see that Fedloan did not take my funds on XX/XX/XXXX ( though my bank was open ) because it was a weekend and instead bumped the debit to XX/XX/XXXX. The interest for XX/XX/XXXX and XX/XX/XXXX was still accruing on the {$71000.00} loan. Never once was I delinquent in the past 22 years of paying loans for XXXX with XXXX XXXX from XXXX College. There is now a delinquent notice on my account that states " If you did not make a payment yet, you can choose to pay online right now. You can also sign up for Direct Debit and never be late with a payment again. '' I called fedloan and the woman on the phone called me XXXX XXXX XXXX. That is close to my first and last name but it is not my name as I am a female so I gave up on trying to get them to understand that interest accruing on dates when a payment was supposed to have been taken by them is not fair. I want out from underneath this student loan company so badly, but feel I have no choice other than to keep shoveling out.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting mislea ding information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a balance when there isnt a balance!
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 and # XXXX, ( XXXX ) DEPT OF ED/XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 414 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

According to 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. Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX Card # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX. Has violated my rights. 

I looked at my Transunion credit report on XX/XX/year>, 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 the maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information in general if, after any reinvestigation under paragraph ( 1 ) of any 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 funisher of that information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681-2, they are supposed to not furnish to, not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.