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

I have several issues with how the department of education XXXXefault resolution group is reporting my student loans. 
1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a total of XXXX and change. 
The department of education default resolution group is reporting TWO tradelines that add up to original loan amount. 
The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and  creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instead of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. 
If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time they did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy. 
Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly. 
Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a retail credit card from Ashley furniture which is monitored through Synchrony Bank, and made a purchase for over {$600.00}. My available credit at the time of purchase was {$1000.00}. During, the time of having the card every few months of paying down my balance Synchrony Bank was reviewing my credit and lowering my available credit. Currently, the card balance has been paid off, and Synchrony Bank lowered my available balance from {$20.00}. During, the time I received my card until last week my available balance went from {$1000.00} to {$20.00}. 

I obtained a retail credit card from Sam 's Club with an available balance of {$600.00} for a purchase. The card is being handled through Synchrony Bank. After every few payments, Synchrony Bank was reviewing my credit and lowering my available balance. I paid off the card and my available balance went from {$600.00} to {$100.00}. 

Synchrony Bank is causing my credit score to decline with every inquiry they making on my credit and lowering of my available credit availability. As we all know, part of your credit score is determined by the percentage of credit you have available along with the amount of credit used. Every time Synchrony Bank lowers my available balance it makes my credit score decline because my available credit goes down. I think that Synchrony Bank is doing this to all individuals that have credit, which is causing several people harm with their credit and their credit scores.

Both Cards were paid in full, and I was late a few times, but the payments were still made. I am sure Synchrony Bank is doing this to other individuals which is causing them harm to credit scores and ability to get credit or loans. Creating economic hardships.
Product: Checking or savings account

I opened a new checking account at Flagstar Bank in XXXX XXXX, MI, then a week later, a XXXX XXXX there called me and demanded that I go down to the Social Security Admin and get a letter from them stating that my SSA Card that I had given them was indeed mine. She stated that Date-of-Births are printed on cards now and that my replacement card with a recent date can not be correct. But DOB 's are not on cards, however since 2007, the date of issue is printed on the card. She changed her story again and again, then said XXXX XXXX   had flagged me and that they wanted more proof of who I am. So, in 35 degree weather, this XXXX & XXXX Veteran went out to catch the bus to go down there and then get a number and wait in line for an hour. I explained the story to the clerk and in a surprise, he did furnish me a letter, but said that management would call XXXX XXXX XXXX  as the SSA is not to be used this way. I got wet & was exhausted and then emailed it to XXXX, but she did not reply even after 4 hours. What's this all about - some kind of joke? I signed up for the {$250.00} bonus for opening a new account. Banks advertise these things. Are banks now trying to entrap folks for answering the ad? Have I signed up for too many? Each institution limits the bonuses to 1 per year. This seems abusive and further explanation should be forthcoming.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXBalance : {$4100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX via Certified Mail XXXX. XXXX I submitted to XXXX XXXX XXXX i exercised my right to Privacy via 15 USC 6802.

12 CFR 1016.7 also expresses my rights to OPT OUT of any information I choose as a consumer with rights to Privacy per the Privacy act of 1974 and the listed USC codes within this complaint. 
XXXX XXXX, XXXX responded and has chosen to deny my rights I've exercised per 15 USC 6802 and CFR 1016.7 as I have written a letter to do this because they have 12 CFR 1016.7 ( iii ) Unreasonable opt out means. Nonetheless my rights were exercised and negligence by XXXX XXXX, XXXX, XXXX, and TransUnion are all apparent. 

Within another complaint made with CFPB regarding this situation regarding my right to opt out, XXXX has honored my request. Their reinvestigation concluded and have fullfilled my opt out request after they said to have reached out to the furnisher " XXXX XXXX, NA. '' What reason is there that XXXX reached out to XXXX XXXXXXXX, NA and honored my request but TRANSUNION and XXXX have not. 
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, NA has been notified of my OPT OUT. I have revoked their power to disclose my personal information. 
THE CFPB has a duty to enforce per 15 U.S. Code 6805. THE CFPB is aware of the negligence XXXX XXXX XXXX, TRANSUNION, AND XXXX are all committing. evident. 

Any and all consent to XXXX, TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked in regard to any/all accounts pertaining to XXXX XXXX, XXXX. 

Consumer Protection Finance Bureau ( CFPB ) must enforce my rights to OPT OUT being exercised per 12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Product: Credit card or prepaid card

* I received an email ( on XX/XX/XXXX ) from CitiBank that my account is closed due to 'Inactive for continuous 24 months as per the card agreement. ' * Last transaction was on XX/XX/XXXX ( {$75.00} XXXX and last payment activity was on XX/XX/XXXX ( 16 month ago ), less than 24 month per the card agreement but yet, CitiBank closed the account. CLEARLY, THERE'S A BIG GAP BETWEEN 24 MONTH AND 16 MONTH. 


XXXX CITIBANK ALSO FAILED TO PROVIDE NOTIFICATION/COMMUNICATION AND FAILED TO REACH OUT TO CUSTOMER PRIOR WRONGFUL ACCOUNT CLOSURE ( EVEN IF INACTIVITY DID NOT PASS 24 MONTH ) * Spoke ( XX/XX/XXXX ) to customer service ( XXXX ) ( XXXX ), could not assist, unprofessional, need additional coaching and training. I asked XXXX and XXXX, why Citibank closed my account although inactivity did not pass 24 month, neither could answer, but stated that Citibank has right to do so. I also asked XXXX to provide any communication sent out to me regarding account inactivity prior account was closed, but XXXX could not provide any proof. This is clearly a ABUSIVE BUSINESS PRACTICE of major bank where INTENTIONAL ACTION can be justified all the times, as if their right is being honored for any given situation and customers right 's are ignored, especially when America is going through COVID19 situation. I am sure that Citibank 's response will state that Citibank closed my account due to inactivity, stated in customer agreement, but fail to address the fact that regardless of inactivity going on for less than 24 month, Citibank closed my account anyhow. 


* In order to reopen the account, Citibank will pull my credit XXXX hard inquire as if I'm applying for new credit card ) and process. 


XXXX Citibank should not have closed my account since inactivity did not even come close to 24 month. 


XXXX The question is simple, on my account, did inactivity occurred passing, more than 24 month? If not, why did Citibank closed my account? Citibank should reopen my account per error made by Citibank. Wrongful account closure. I expect to see reasonable explanation from Citibank, rather than saying account was closed due to inactivity. Consumer Financial Protection Bureau should be actively involved in this case, asking Citibank a very question of why Citibank closed my account even if inactivity did not pass 24 month.
Product: Debt collection

LVNV Funding LLC has tried on several attempts to sue me for a debt collection that I ( 1 ) do not owe LVNV Funding LLC for, ( 2 ) I have no knowledge if who they are, ( 3 ) constantly sending people to my PREVIOUS address to deliver something for a law suit files against me by them.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201. Please remit payment for violations within 10 business days and remove the following items that were reinserted without notice and validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Complaint : Bank to bank transfer On XX/XX/2023 at XXXX wellsfargo all. 
I'm trying transfer money from savings. Limit XXXX I did want XXXX instead. Wellsfargo restricted me. 

Please view video so Wellsfargo is aware. The issue. 

The goal to have XXXX in my XXXX  account.
Product: Credit card

I have been a Bank of America customer since XXXX and never had an outstanding balance in my XXXX credit card. On XXXX XXXX, XXXX I took advantage of a promotion of a 0 % cash advance. I paid {$600.00} fee for a {$15000.00} cash advance payable in XXXX XXXX at 0 % interest. 
In my following statement on XXXX XXXX, XXXX I was charged {$44.00} for interest, even though I had paid in full for my purchases. 
When I called the bank, I was told that my payment was applied to the cash advance balance and not my purchases, thus the interest on my purchases .... This to me is clearly a scam or misleading promotion since I am being charged twice the interest. Bank was unwilling to solve my problem and suggested to stop making purchases with my credit card to avoid future interest charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Credit Line : {$500.00} Opened : XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. XXXX XXXX has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus
Product: Mortgage

I made several payments after my forbearance period ended. Which was XX/XX/XXXX. All overtime at my job had been halted I was barely bringing home enough to pay my bills in XXXX. My wife lost her job and I was the only one bringing home anything. Pennymac offered the forbearance program and it said on their website that it would be tacked onto the end of my loan. I provided them with all of the information they requested and waited just to be denied for a modification
Product: Mortgage

I am having an issue with my mortgage servicing company properly applying the XXXX forbearance to my mortgage loan. My servicer is PHH. 

I received XXXX assistance in the state of Arizona which brought my loan account out of default and paid my account current through XXXX, next due date XX/XX/XXXX. 

Because I was still experiencing a financial hardship, I spoke with my lender ( PHH ) on XX/XX/XXXX requesting hardship assistance specifically requesting Covid forbearance. I was initially approved and received an approval letter and then later on in XX/XX/XXXX I received a denial letter. The reason for the denial was due to me receiving the HAF assistance. Even though I was still experiencing the same hardship going into the month of XX/XX/XXXX. 

To my understanding now in reviewing Fannie Mae guidelines, if a request for forbearance was made prior to XX/XX/XXXX, I would be eligible for forbearance in increments of 3 months, up to 12 months as needed for the hardship. 

I am now delinquent from XX/XX/XXXX through XX/XX/XXXX payment and PHH is now saying I am only eligible to receive a special forbearance effective XX/XX/XXXX through XX/XX/XXXX. I am currently due for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 

My request is to enroll me in the XXXX forbearance effective XX/XX/XXXX XXXX installment ( 3 months ). Since I am still experiencing the hardship, I need forbearance extended XX/XX/XXXX through XX/XX/XXXX payment. I will contact lender ( PHH ) towards the end of XX/XX/XXXX to request another XXXX extension if I am still unemployed at that time. 

In the event my concerns raised above are correct, please confirm my loan is eligible to receive the forbearance ( up to 12 months ), under the Fannie Mae guidelines and forbearance terms.
Product: Mortgage

I was transferred to Fay Servicing after having significant issues with XXXX  XXXX after my loan was transferred to XXXX. I was also facing some financial challenges. After being transferred to Fay, I tried, unsuccessfully, to get some help and answers and finally got my account manager changed. The new account manager, XXXX XXXX, was wonderful and I began the loan modification process. And then COVID hit. 

XXXX informed me that my foreclosure was put on hold, but didn't give me any dates and I didn't receive anything from Fay regarding how long the hold was. In XXXX, I started trying to submit my documents for the loan, but couldn't get hold of XXXX XXXX and couldn't submit them online. 

On XX/XX/XXXX, I found an email address and sent the documents via email. I didn't hear anything from Fay and still assumed that the foreclosure was on hold until I got a notice taped to my door on XX/XX/XXXX that my house was being foreclosed on and that the sale date was XX/XX/XXXX. I have been working to submit the proper documents, but it has been XXXX problem after another ( oh ... you need to write this on that, etc. ). Finally, my loan modification packet is complete, but now it is only three weeks to foreclosure. 

XXXX XXXX has been fantastic, but I have been extremely dissatisfied with everyone else I've dealt with at Fay Servicing. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Debt collection

Called the company and asked for information, figured out this is not my account, it was opened online and not mine
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I have had a care credit card for quite some time now and have paid as agreed. There were two instances where I accidentally chose the wrong payment account which caused a payment to be missed by the due date, but each time the payment was completed with the correct account more more than two days later. Both times company was made aware and both times they even waived the late fee given the situation. 

I went to go use it for my pets care and it turns out synchrony just closed my account without any prior notification. 

Their excuse was because of those two payment issues- which mind you are not missed or late reported payment on credit bureaus neither time did it lapse more than 5 days before issue was corrected. 

I tried having the issue escalated and they could only tell me that they had the right to close the account for any credit related reason- which again mind you this is not a credit related reason. 

Further more, they are putting my credit score at jeopardy with these irresponsible practices. 

I want them to reopen my account unless they can prove a real reason that I have no managed my account responsibly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft fraud and in results they are INQUIRES that don't belong to me or authorized by me and needs to be removed ASAP The completion of all my request seem to happen in portions because I keep returning to request mode it is not fair to wait 30-90 days for removal from this date it needs to get done and I have requested this before in the past which has accumulated time already the following inquire are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I applied for a charity assistance with this debt twice with XXXX and was still sent to collections
Product: Credit reporting or other personal consumer reports

I went into store forever 21 paid payments on my account using my phone number the payment never show up on record the card would have been paid off now its on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested that Experian remove an old child support from my credit report. This is way pass the statute of limitations. Not to mention the information was inaccurate. But instead all they keep doing is trying to up date the information. Which keeps increasing the state of limitations. This makes no since. I would like you to have them remove this immediately. They keep reporting that Im paying a balance every month of XXXX dollars. They are also reporting payments I never made