23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient apparently is selling the loan to XXXX. They are reporting the same loan at the same time. Therefore, it is causing my debt-to-income ratio to be wrong. I need Navient to remove their reporting because XXXX is now reporting the loan. 


Navient needs to remove the loan instead of double counting. I can't get anyone on the phone to correct it.
Product: Credit card or prepaid card

I have XXXX kids and my husband and I have lost our jobs due to COVID-19. I was set up on automatic withdrawal for one of my credit cards with them. Something happened with their system and it didnt deduct it. I received a email saying it was past due. I immediately called them to sort out the issue. The first rep kept lying and changing the subject, was very rude! I explained the situation and just tried pawning me off to another department. They couldve easily waived the {$50.00} late fee and just gave me some made up lies. They would rather justify stealing from innocent people during a tough time. I have never ever been late with them. Instead they would rather have my kids go hungry for their own benefit! This is the problem with our country greedy scumbags like the entire Citibank!!!!
Product: Credit reporting or other personal consumer reports

I have tried to log in into my Transunion account to unfreeze my credit report to open an account with XXXX XXXX. XXXX XXXX requires credit reports from the three bureaus. While I had no problem with XXXX and XXXX, Transunion denies me access to that function. Called them and chatted with them, and they offered to do it for me, but that is not good enough. I need to do it myself so I can freeze/unfreeze as needed. Spent hours trying to have Transunion to give me access but they are just not able to do it : they ask me to fill forms, which I do, but despite their promises of escalating to their technical staff, I never heard from them. RIght now I don't know if my Transunion credit report is frozen or unfrozen. When I call, it takes a long time to get to anybody, and the representatives are very hard to understand or the phone line is of very poor quality. I tried just now to chat, and " XXXX '' asked me to open a new account. I don't need a new account -- I already have one! I want access.
Product: Student loan

I want to contend with the school that there should not have been a loan because I used XXXX  and XXXX program. If I can't regain loan funds I should regain XXXX  XXXX benefit and funds.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a serious violation of my privacy and unauthorized access to my personal and financial information. 
It has come to my attention that my personal records, including my Social Security number and sensitive financial data, were accessed without my consent by XXXX XXXX ( Doge ) and his team. 
This breach was facilitated by a failure of the Department of Education to adequately protect my information, as required under federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified XX/XX/2023 by XXXX XXXX that my name was added to someones credit card. Upon checking my XXXX credit report per XXXX XXXX, it shows a Discover Card account # XXXX with a balance {$2900.00} that is not my card or account. I called XXXXiscover Card Services and spoke with a XXXX who informed me the holder of the card was also a victim of fraud. My name was added to the account fraudulently using my correct name, birth date and social security number. However, they used an incorrect address of XXXX XXXX XXXX XXXX XXXX, FL XXXX of which I have never lived. I have never lived in Florida ever. Discover stated they would remove my name from the account and notify credit bureaus to remove the account from my credit report. So someone is using my name, date of birth and social security number to commit fraudulent credit card theft.
Product: Credit reporting or other personal consumer reports

From the Fall of XXXX through XXXX I have not been able to review my Experian Credit Report online. The company also has the wrong/ old phone number attached to my account and they will not update it. Ive called Experian every month, not able to get a live agent on the phone. This issue is effecting my personal life, and i want Experian To update my account within 3-5 days or ill take legal action. 

Old phone number : XXXX New Number : XXXX
Product: Debt collection

Got a text from XXXX XXXX XXXX wanting me to call them or go to their website about a debt with XXXX. My account with XXXX  is current. This is a scam and is not the first time they have attempted this. They need to be prosecuted and given jail time so they can not profit from this predatory interstate commerce scam
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with Transunion, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Product: Vehicle loan or lease

I have an auto loan through chase auto finance, I couldn't make one payment due to no income, out of work due to covid. I called in and was told I got a differed payment, called again the next month as nothing changed, was transferred to several departments and hung up on 7 times. The payment went passed due. I called the next month several times finally getting in touch with someone, asked for the same difference as the last time. He asked for my situation and said I dont qualify for any " extention '' because my no income situation is " unresolved '' ... no kidding kinda the point. I escalated to a supervisor who reviewed the calls said I never mentioned covid being my reason. Yet I specifically asked for the same extention because nothing has changed... now two payments past due they can help me, but only if I pay at least 1 month of past due and fees. This is extortion through willful ignorance until their policy requires payment to move on .... I requested a copy of all the recorded phone calls and they of course couldn't help me with that. What options do I have im drowning from their malicious practices or utter incompetence?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX XXXX TransUnion consumer report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something
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 Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 am Call all collection accounts in major violations Of XXXX and defamation of my character for Reporting debt Without sending Me proof of correspondence of Debt Validation notifying me that I had a debt by phone or mail was never sent me to Also All collection agencies below are under Violation of Try to collect charges in addition to the debt unless they are allowed by the contract or law Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt XXXX address or business name that doesnt indicate its in the debt collection business XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX All collections need to be removed from the account XXXX XXXX XXXX, and transunion XXXX also be facing arbitration suit if they keep defamation information on my consumer report
Product: Debt collection

On XX/XX/2023, A payment of {$3500.00} was posted to my Upgrade Account the amount paid is showing on the following statements : XXXX, XXXX, and XXXX. My account shows a {$250.00}, which should be a XXXX balance. A representative told me the {$250.00} is from an interest fee which I need help understanding the interest fee and I feel Upgrade is being deceptive with debt collecting.
Product: Debt collection

Nationwide Recovery Systems XXXX is calling me multiple times a day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and will not tell me what it is about until I provide them my full name, SS #, date of birth, and address. I refuse to due this and they hang up. 

As I do not have anything in collections, this is harrassment.
Product: Mortgage

XX/XX/XXXX got Trial Streamlined Loan Mod from PHH Mortgage Services as Successor in Interest. Successfully completed in XX/XX/XXXX. 

Due to unknown reasons PHH never updated the account to remove special executors name when probate was completed. 

I continued to make payments and in XX/XX/XXXX a payment was returned to my account unbeknownst to me. When I discovered it I called and PHH said the loan mod was now denied because special executor did not sign.

I appealed, filed with California Bureau of Consumers and they reversed their decision and asked for {$7900.00} to be up to date. When I sent payments, they got sent back again! I called Ombudsman and she apologized and said to start sending money. So I did. Attached is XXXX  XXXX XXXX account statement with payments totaling {$7900.00} I sent XX/XX/XXXX payment on time and it got sent back! When I called to ask why, NOW they are saying its because I owe them another {$3100.00} but that nobody communicated that to me and they are sorry! 

I now feel they are discriminating against me based on my race ( XXXX ) XXXXm a senior ( XXXX ) and the fact that the property is in a Redlined area of XXXX XXXX and has some equity FINALLY.
Product: Debt collection

Company calling themselves Montgomery Ward is sending letters of debt collection. They do not exist online & keep trying to get my phone number. They have mailed me XXXX notices.
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WFBNA AUTO XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX WFBNA CARD XX/XX/XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX WFBNA CARD XX/XX/XXXX
Product: Credit reporting

All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..
Product: Payday loan, title loan, or personal loan

I took a loan with loanme.com in XX/XX/2021 ( Acct # XXXX ). I began having issues with paying the loan in XXXX of XXXX and removed auto-pay from my account. I contacted loanme.com to see if they can help me get back on track. They agreed to lower the bi-weekly payments by half and agreed only if I set auto-pay back up. I did that and was able to afford my payments, but now in XXXX they reverted back to the original payment and I am about to get overdrawn again on my checking account. There was no warning and they just changed the payment without authorization. I've spoken to some people who have stated that the loan interest rate is illegal in FL as well and that FL law requires that they offer me a payment plan if I am unable to pay.
Product: Debt collection

I have been attempting to verify this debt ( XXXX XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not had any luck with a XXXX letter or verification. They only respond back that it's been verified instead of providing proof of how its been verified. I have been disputing to the credit bureaus as well ( XXXX XXXX XXXX ), that have this debt listed but not XXXX because they don't have it listed as it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the XXXX  account on my equifax account as a violation of code 15 USC 1681B Permissible Purpose. This account is fraudulent and violates this code. It has passed 30 days and this issue has not been answered however the other letter to verify the info was answered and I have copies.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies are out of control with their false fraudulent financial reporting. " Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all financial institutions by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. '' These accounts are adverse item 's they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

The company froze all my chase assets without any right to do that. i answered all their questions, he, XXXXXXXX XXXX XXXX did not like my answers. This is the XXXX time chase has locked my account, each time I went to the bank addressed their concerns and they unlocked my account. This time after providing a list of receipts and pictures of the remodeling work they said they would get back to me in 2-3 days. That is baloney. I needed that money to pay my bills. This dis service has caused me pain and suffering, and yet Chase XXXX XXXX can do whatever they want with my money. XXXX is his name, he presented no ID we just had to take his word for it. XXXX XXXX XXXX. I feel that Chase has singled me out. The first time was at the bank where they refused to give me my money. They told me to come back another day. I said why are you discriminating against me. He the banker ignored me. A second time I had to go in and verify that it was me. This is the XXXX time where they called me a liar and took my money without any reason and recouse for myself. 

I have filed a compalint with the EEOC for age discrimination, just yesterday.
Product: Vehicle loan or lease

I received an email from Bank of America on XX/XX/21 requesting that I call them to discuss and finalize an auto loan counter offer. However, after calling the phone number provided I waited on hold for more than 1.5 hours and was unable to talk to a loan officer to agree to the new loan terms. 

I feel like I was misled and deceived with the loan terms because Bank of America is not making anyone available to discuss the original auto loan terms I applied for and the change in terms they are proposing.
Product: Debt collection

Upon carefully reviewing my recent credit report, I've identified multiple fraudulent accounts that appear to have been added without my consent.