23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXXXXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX XXXX XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23. ] Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 
XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) { XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 } you reported transactions from to my consumer report. 
does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called Equifax to alert them that my credit file, which has nearly 30 years of history was now showing up as blank, my current address erased and a very old relative 's address was showing up, which I had disputed on XXXX as being inaccurate. At first they insisted that I had no credit history. A supervisor was able to find my previous dispute along with a copy of my drivers license and utility bill to prove my current address. Now almost a week later, the address is correct but my entire credit history is still missing. Additionally, because I was unaware of this issue, I applied for credit on XXXX and was denied because of " insufficient credit history '' This is a clear violation of the FCRA and equifax has take no steps to resolve this issue. I have been financially harmed by their lack of oversight and their employee 's lack of knowledge of their own operating systems.
Product: Student loan

I attended a for-profit scam school ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) . This for-profit scam school closed years ago, not too long after I graduated. I was misled with information by an admissions rep, and was promised job placement, work while I attended school, etc, etc. Believing this to be true, I enrolled and took out a loan with Sallie Mae, who was eventually turned over to Navient. Sallie Mae promised easy, affordable repayment. This was far from true! I have been paying on my loan for XXXX years, and my balance has only decreased {$3000.00}! I am post class with the XXXX vs XXXX case, as I have filed Borrowers Defense ( case # XXXX ) on my federal loan for this same school. My private loans should be discharged, because I took them out under circumstances that led me to believe I was getting the education promised to me. In reality, the school I attended was a fraud, and ended up closing. I have requested deferment or forbearance on my private loan but have been told for years that interest only payments is the only option. I recently became disabled, and told Navient I could no longer make the payments. They never provided me with any options. After doing some research on their website, I called back and requested a disability loan forgiveness application to be mailed to me. I never received this application, and they reported to the credit bureaus that I defaulted on my loan. I called back and they FINALLY offered me forbearance and said it would bring my account current, said they would mail me an application for XXXX loan forgiveness ( have not received it yet for the 2nd time ), but refused to remove the late payment from my credit report even though my account is current. I explained that in my entire credit history with ANY lender, I have NEVER been late on a payment ... .ever! My credit has always been over 800. Due to Navient 's lack of options and cooperation, my score dropped XXXX points!!! My daughter ( XXXX ) and I are in the middle of a move, and this massive drop in my credit is affecting my ability to secure housing. I am a single, solo mom trying to stay afloat and provide for myself and my daughter. This loan is literally ruining everything I worked so hard at maintaining. This private loan needs to be discharged, as I have been paying for XXXX years with only {$3000.00} movement which is a total scam by Navient. I also need my credit reinstated, as my account with Navient is current!
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is SANTANDER balance $ XXXX # XXXX 30 days late in XX/XX/2021.
Product: Prepaid card

On XXXX XXXX, 2016 my First Tennessee XXXX XXXX debit card ( XXXX ) was closed without notice or reason. I received an email from the company stating they will hold my money for 30 days, and then issue a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

report shows disputes resolved noting accounts closed through bankruptcy and never late yet report not updated with disputes results Status= never late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # 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.
Product: Debt or credit management

XXXX XXXX XXXX Synchrony XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) In attempt to cancel the lease for hearing XXXX for XXXX XXXX, below are the details of my effort. 
XXXX signed an Acknowledgement of XXXX on XXXX XXXX had XXXX XXXX XXXX on XXXX. Several days after it was obvious that he was in mid-level XXXX. He wouldnt wear his XXXX  XXXX. They were paired to his phone and he didnt know how to use the phone anymore. After several weeks it became painfully obvious that XXXX would need to go to a memory care facility. ( Hearing XXXX and phones often disappear in these facilities. ) I decided to cancel the lease. 
I first contacted XXXX XXXX XXXX and was told that I needed to contact Synchrony. 
I contacted Synchrony and was told that I needed to return the equipment to XXXX and they would handle the return. 
The social worker at XXXX XXXX suggested that I meet with XXXX XXXX XXXX, XXXX XXXX attorneys and have all the POAs drawn up and they also had him qualified for XXXX. 
I contacted XXXX again and made an appointment to return the equipment. The appointment was set for XX/XX/XXXX at XXXX. When I went to the location in XXXX, TX, I was told that no, Synchrony had to handle the return. ( When I made the appointment, I told them that I was returning the equipment. ) The audiologist went into an office and made a phone call, when he returned, he had printed off a Consumer Closed End Lease, showing my name and my initials. This was the first time I had seen this document and XXXX would have signed it since he was capable at that time. 
I called XXXX again on XX/XX/XXXX and told them that XXXX had gone on hospice. They had a lady by the name of XXXX, their XXXX call me. She did and was sure that something would be resolved. She has never called me back. I called XXXX to make sure she had my phone number. 
XXXX got better after a couple of weeks and is back on skilled XXXX XXXX  and is no longer on hospice. 
XXXX has not used these hearing aids for over 15 months. Synchrony receives {$150.00} autopay from his checking account every month. 
15 months at {$150.00} adds up to {$2200.00}. The lease end date is XX/XX/XXXX at that point that is another {$3300.00} for a total of {$5500.00}. This has created a hardship for us. 
I have since found out that HAE no longer leases their hearing aids! Wonder why?
Product: Checking or savings account

The are giving false advertising cash app they say do direct deposit and get check XXXX days early and when you don't see it XXXX days early they send messages saying it could take up to XXXX days.
Product: Mortgage

In XXXX of 2015, our mortgage payment went up {$53.00} due to an increase in property taxes. We have our payment set up to go out automatically on the XXXX through our bank, and it went out as scheduled in the old amount. We started getting phone calls, many a day, at work, where we could not answer them. They left no messages, and only different numbers would come up on caller ID, no company name, so we assumed they were sales/spam calls. I finally answered XXXX after work one day, out of curiosity, and found that we had been reported to the credit bureau for being 31 days past due on our mortgage. I explained the situation, but it did n't matter. They kept insisting we were an entire payment past due. I 've tried to get them to explain why they held the funds they had for 30 days, which was all but {$53.00} of the payment. They can not explain why the held those funds or why they were n't applied to the loan. They could have at least applied principle and interest and let the escrow account be short. We caught up the loan the next month, but our credit has suffered. It shows that we were an entire payment past due, not just a XXXX dollars on the escrow account. We have NEVER been late on a mortgage payment in over 25 years. They also started sending us information on avoiding foreclosure, mortgage assistance, etc., all over {$53.00}. Our loan was sold to them from GMAC ; we did not choose to deal with this company. We had problems the year before with misapplied funds, but I do not think our credit was hit through all of that. That was totally the error of Ocwen, and they admitted that it was their error.
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 : 4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I am the Trustee of an account at JPMorgan Chase Bank. On XX/XX/XXXX the funds were set to NYS Unclaimed Funds. I moved my office and did not receive the notice that the funds were sent to the state. During a search for unclaimed funds on this client I saw that the Trust funds in the amount of {$69000.00} were listed on the state website. I requested the funds from NYS and they are unable to locate the funds. They sent me a letter telling me I needed to contact the bank for further information and included a Claim Information Affidavit for the bank to fill out regarding when the monies were sent to the state. In XXXX of XXXX I called JPMorgan Chase and spoke to the Unclaimed Funds department. They were not able to help me. They referred me to the Escheatment Department ; they were not able to help me. I sent a letter to the Escheatment Department with a Abandoned Account Notice and a bank statement. I did not get a response to my letter. On XX/XX/XXXX I went to the Chase branch where I opened the account and after being with the banker for over two hours they were not able to locate any information about the funds. The banker scanned a copy of the bank statement showing when the funds were transferred out of the account to the state and also the Claim Information Affidavit. They were emailed to someone within Chase. We have not heard back from Chase regarding this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had dental work done for my dogs and used Care Credit. I really didn't want much on my credit so I began paying large chunks on it immediately. The XXXX went through fine, cleared my bank, got confirmation email from Care Credit, the whole XXXX. I went to pay another large chunk the next week ( nothing is even due for a month ) only to see my balance was the same as prior. I checked my Care Credit pymnts and saw it was reversed. I checked my bank and saw it was gone. I asked my bank what happened and he said Care Credit RETURNED it. I then noticed a letter in my account that stated my payment was reversed. No reason. I told XXXX that the bank told me they had returned it, to which they denied. The letter states we have trouble receiving all payments. Just a blanket letter to be nondescript on their scam. I chalked this up to a fluke so the EXACT same thing happened on the next XXXX pymts ( which were still all well before the due date ) and this is when I reach out the them on XXXX. I then made XXXX more payments which went through the exact same, bank cleared, confirmation email all good on these XXXX and the balance was going down until BAM today, CLOSED due to too many " dishonored '' payments. BY WHO??? NOT ME!!!! XXXX RETURNED CLEARED PAYMENTS then closed my account and reported it to the bureau as delinquent and dishonored but wants to assure me my last XXXX pymnts posted. THEN WHY, AGAIN, WAS I CLOSED?!?!?!? 

I dont have exact dates on the retuned ones because they have taken access to my account and I am unable to see any further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX for many years. It was on automatic debit so that each month the amount of the entire bill was authorized to be deducted from my checking account. According to a recently received credit report for me XXXX XXXX XXXX  reported that I was thirty ( 30 ) days late with a payment due in XXXX of 2018. If the payment was late it was not due to my error as there was an automatic debit agreement in effect during this time.
Product: Mortgage

Ocwen is not a trusted company. 
I have heard about wrongful business against home owner in all United States. 
Unfortunately, I 'm another victims on their hands. 
Unless you 're rich, and have money to sue them, so they will learn the lesson in Connecticut State too. 
Below is list of my complaint:1 ) On my XXXX/XXXX/2015 Statement advised me of payment amount from {$620.00} to {$670.00} ( {$42.00} increase ) and said the further detail regarding the reason as going to be included in the separated letter ; 2 ) It is noted that on the same statement on XXXX/XXXX/2015 Ocwen received a {$5000.00} payment:3 ) On my XXXX/XXXX/2015 Statement advised the same ; 4 ) On my statements XXXX/XXXX/2015, and XXXX/XXXX/2015 they increased already to {$670.00} with no previous justification why. 
5 ) On XXXX/XXXX/2015 I accepted the offer for re-cast and sent the paper offer ; 6 ) As for now, they refuse to re-cast, they lost the previous acceptance, they opened and investigation, and they refuse to give credit for that the same they received the {$5000.00} that 's on XX/XX/XXXX. 
XXXX ) Ocwen is charging too much for escrow {$400.00}, a year is {$4800.00} ( {$400.00} x XXXX = {$4800.00} ) a price for a single family home, I have a town house, and the yearly taxes is not more than {$2500.00} ; 8 ) Ocwen plans to raise the escrow ; 9 ) On my XXXX/XXXX/2015, Ocwen raised already the escrow to {$440.00} a month that 's {$5300.00}, double of XXXX, CT required taxes ; 10 ) Also Ocwen is trying to receive a fee of {$490.00}, that has no sense and is not listed on their charge list.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Last 4 SS : XXXX Creditor : American Express Credit Bureau : XXXX On Saturday XX/XX/2021, I called American Express to inquire whether requesting a credit line increase would result in a hard pull on my credit report. I was advised it would not. I then used American Express 's online portal to submit a credit line increase. The system gave me an error, so I called American Express again, and they submitted it on their end. I was advised the system was having an error, and I should try again in a few hours. I was told no request had been submitted, and there would be no negative impact on my account or credit. I tried again that evening and received the same error. 

On Tuesday XX/XX/2021, I received seven emails from American Express ( all with different reference numbers ) informing me that a " We've made a decision regarding your request. '' I contacted American Express, was told that the requests went through, only one had been considered, there was no hard inquiry, and the result of the request would be mailed to me. 

On Thursday XX/XX/2021, I received an email from XXXX XXXX informing me that there had been a hard inquiry on my account on XX/XX/2021. I immediately contacted American Express, who informed me they had no record of a hard inquiry. The next day, XX/XX/2021, I contacted XXXX, who informed I needed to contact American Express to obtain a removal letter. Once I contacted American Express, I was triaged to a team that informed me that their system " had a glitch '' on Saturday XX/XX/2021, that multiple ( 7 ) requests were submitted under my name, only one was ultimately considered, and they had pulled from my XXXX account. This doesn't align with the information provided to me because American Express already informed me on Tuesday XX/XX/2021 that they had reached a decision. Thus, there was no open application on XX/XX/2021. In addition, American Express representatives had guaranteed that there would be no hard inquiry on my credit.