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

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments.

To date Nelnet nor XXXX, XXXX  or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Product: Student loan

I have tried over many years to work with my student loan servicer, but there are not flexible with options to lower my payment. I am currently not working now, and my payment continues to rise. I believe that they were predatory in their lending when I first began school back in XX/XX/2005... I had just turned XXXX years old and I was able to take out a student loan with high variable interest rates. Over the years if the rates were not outrageously high I think I would've had a better ability to get them lower. All the payments I have made over the years has done nothing to stop my overall balance from increasing.
Product: Student loan

I had many student loans with naviet and they told me to consolidate them. I consolidated them and my loans went from XXXX to XXXX. When I called to ask them about it for months they kept telling me that when u consolidate it just shows double for a while. Finally four months later when I called they told me that it was not doubled and that was my outstanding balance. So lost what to do now. I did it to make my payments cheaper not to go into debt for more. Now my student loans are more then my mortgage on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the very beginning of XX/XX/XXXX I applied for mortgage assistance with the Pennsylvania Housing Finance Agency. This was to provide up to 6 months of future payments and to get the loan current. My household income is well below the income limit and in XXXX of XXXX I was informed that the application was approved and funds would be disbursed to my lender. I was also told to keep my payments behind in order to use the program. Funds were never disbursed. At the end of XX/XX/XXXX, I was contacted by PHFA and asked to provide a signed authorization for PHFA to verify my current loan status and amounts with my lender. I provided the signed authorization within two hours of the request. I was told that funds would be disbursed in approximately 30 days. To my knowledge, the request to verify has never even been sent to my lender and no funds have been released. All this assistance request that I applied for has done for me is hurt my credit and cause extreme anxiety. It seems like a scam and I believe I was certainly given bad advise about not keeping my loan current in order to use the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I remembered I get the car Way back 2019 In XXXX sports and XXXX XXXX XXXX there told me 60 months then suddenly become 66 months and told me I pay only XXXX my monthly but in the end they can not register my car in New Jersey I need to travel to Nevada and register my car
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, my cryptocurrency, specifically XXXX XXXX tokens, was stolen from my Crypto.com account. I immediately reported the theft to Crypto.com and have since repeatedly attempted to engage with them to recover my stolen assets. Despite providing all requested information multiple times, including verification details and repeated clarifications, I have only received generic responses and have been shuffled between various representatives with no resolution. 

I have requested specific actions from Crypto.com, such as tracing the stolen cryptocurrency and freezing the involved accounts, which I believe is within their capability as a financial service provider. However, they have not provided me with any substantive updates on actions taken nor any information on the status of my stolen assets. Their inaction and lack of communication have been not only unprofessional but also negligent, given the significant financial impact due to the continuous appreciation in value of the stolen assets. 

I am seeking assistance from the CFPB to compel Crypto.com to provide a detailed account of the steps they have taken in response to the theft, to recover my assets, or to offer a satisfactory explanation as to why there has been no progress.
Product: Mortgage

Last year, I began attempting to reach out to Mr.Copper and it was very hard to get on the phone with an actual person. It's also extremely hard to get a direct answer when sending a message within the website. The 1st time I was able to finally speak with a human she did NOT offer me any financial hardship options. My husband had just lost his job and we really needed some options, and we were trying to get ahead of the issue. After some months past by I call again and after 30 minutes of going through prompts I finally get in contact with a human and she offered to go over some financial hardship options. At that time none of them fit our needs. I also asked them to waive some of the late fees that have stacked up. They responded with they only remove 1 per year. Just yesterday I was told for the FIRST time ever that they are also charging an additional {$60.00} inspection fee for the account not being current. We believe that Mr.Cooper purposely makes access to information, human interaction and a balance in good standing extremely hard. With all of the outstanding fees they are charging it is impossible to get out account back in good standing.
Product: Checking or savings account

I want the ALL the fees restored to ALL my accounts with BANK OF AMERICA from the time I began accounting with the since XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting

I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX collection company on behalf of XXXX for {$170.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got any investigation results.
Product: Student loan

I basically asked if I could lower my payments and a Navient loan servicer stated you cant because ur curent. He stated u could let it go delequent then to a forebarance. Some of there loans had combined with XXXX XXXX and were sold to XXXX XXXX loans. I had lost track of them for a while as i didnt pay on them for around 2 years. I then when on rehabilitation programs and am current on them, but its a struggle to pay bills, rent, and feed myself properly sometimes. <P/>
I owe around 15000 on these bundled Navient loans. The payment is extreamly high at XXXX a month and currenrly in the process of lowering my XXXX XXXX Loans ( some were served my Navient at one point but ive lost track and need to call them on that for details ). I owe a total of XXXX where they were about to charge me over 250 a mounth if i hadnt stopped it and tried another option of repayment. Im deff lost on what my options are. Its as if they expect u to just guess which options best. Icome driven or loan forgiveness. Trying the income drive process with XXXX XXXX at the moment, but Navient just clearly said no on that even when I told them about my XXXX XXXX loan. They may be waiting on that process to know my min payment. They were deff not clear on what i could or couldnt do.
Product: Debt collection

The XXXX XXXX XXXXXXXX could not provide services agreed by contract ( and could not fix them ) on for 22 months and on top of it, made errors in billing that their financial division was unable to correct. So far, we have spent about XXXX hours trying to get fixed by them and trying to get help to make them do it. We have been customers of XXXX for XXXX years. The triggering point of these problems was when we moved to a nearby unit starting ( XX/XX/XXXX ). 

We worked with all levels of their company including simplest customer service phone number, technical teams, multiple people from the facade they call Office of the President ( OTP ) ( starting XX/XX/XXXX ) and even to one of their CEOs at the end before we decided we are not going to go through this anymore. We went through constant harassment of many kinds including disruption of service and finally ( force ) terminated service on XX/XX/XXXX as we refused to pay what XXXX claimed as we owe them. 
They will send email saying they are going to disrupt service with opportunity to send if we dispute any charge they claim as owed to some address ( probably their internal collection service address in Florida ) and that they will respond by getting verification, they did not respond a single of the XXXX times we wrote. They reported our account as collection in XX/XX/XXXX affecting my credit significantly. 

XXXX did not send any notice or opportunity to dispute prior to sending it to collection and reporting to credit bureaus in XXXX, XXXX, and we came to know of it through email from the credit reporting agencies. When we tried to handle ( remove the notation, because that is an incorrect information ) directly through the credit reporting agencies ( XXXX and Experian ) XXXX these agencies respond that XXXX says we owe them and not correct and not remove it. 

Subsequently well after the 30 days typically CFPB stipulates by when the consumer has to be informed, another company XXXX sent a notice of collection dated XX/XX/XXXX on behalf of XXXX that we received on XX/XX/XXXX and had a date of XX/XX/XXXX to file a dispute with XXXX I called XXXX on XX/XX/XXXX ( as their online system once we did not pick the few options available and picked other did not let us submit and gave a message to call ) and provided the facts, they summarized the facts and said that given the facts that throughout we have been experiencing poor and often unusable services we should not be owing any balance though I did mention lot more of the errors and problems we faced ). Further, during that call I also found that XXXX is an arm of XXXX as they answered and mentioned several times, including thanking at the end to call and give them the facts, as XXXX XXXX 

I talked to one of CFPB team members and they suggested that I should name the financial companies in this complaint.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and after pulling a copy of my credit report, I noticed that your agency is in multiple violations. I DEMAND THAT YOU COMPLY in order to resolve this situation.
Product: Credit card or prepaid card

Please explain the following finance charges ( shown as of XXXX ) : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} I also noted that your system moved the dates of the charges around for whatever weird reason so today XXXX I looked and see this order : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} First of all, for the month of XXXX I was NOT late ( I paid on the due date which was the XXXX of XXXX ). 

I have reached out ( via secured messages/online support ) several times regarding this, including a call with a rep who admitted that this was wrong and she would issue a credit. As of today, nothing was resolved. 

I will replace recurring charges on this card, pay off whatever the remaining correct balance and won't be using your product anymore. I will be sure to write a review about this experience on XXXX, XXXX XXXX XXXX, XXXX and all relevant review sites to warn consumers about you including relevant screenshots etc. to outline how awesome the user experience is.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  : XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the private student loan accounts reported by XXXX and any entities to which my student loan was sold for collections, as they are in violation of multiple federal laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. I respectfully request an immediate investigation into these violations and the removal of these accounts from my credit report.

Legal Basis for Dispute : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : FERPA strictly limits the access and disclosure of student education records without consent. My private student loan information has been accessed and disseminated without my authorization, constituting a direct violation of my rights under FERPA.

Violation of the Privacy Act of 1974 : This act protects individuals from unauthorized access and disclosure of personal records by federal agencies or entities handling federally related data. Unauthorized third parties, including XXXX XXXX and/or his affiliated entities, have improperly accessed my personal information related to my student loans. This unauthorized access violates my right to privacy and requires corrective action. 

Violation of the Higher Education Act : The Higher Education Act provides protections and regulations surrounding the administration of student loans. XXXX actions in reporting and maintaining these accounts have failed to comply with regulatory standards, and the unauthorized access of my records further constitutes a breach of statutory obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX  is the original creditor.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft i pulled my credit report and i see some unauthorized fraudulent inquiries listed under my ssn.i never gave anyone permission from these companies to pull my credit .please delete these following fraudulent inquiries ARE 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
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my account that was prompted by fraudulent activity. I never applied for a home loan with a discover card! I was not in the market for a new house. There was malware or something on their website that caused this. They admitted wrong and promised to correct the issue. They said it would take XXXX months for my credit to be repaired. This has never happened. I waited XXXX months! The hard inquiry is still on my record! I talked to someone on XX/XX/2024 and they talked around in circles for an hour. I DID find the original letter. I attach it.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. XXXX XXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/XXXX XXXX XXXX  to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hard inquiries : 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 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 crime 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: Debt collection

I have called ad astra recovery services and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.
Product: Credit card

I have a credit card with first digital. I made a payment on XX/XX/XXXX. It cleared my bank on the XXXX. I have sent 5 documentations verifying that the payment posted. I have gotten different answers regarding why I cant get my funds -yesterday I was told they were being released- they werent. Today I was told there is a hold. I paid it with a check but once I prove that the payment went through I should receive my funds
Product: Checking or savings account

They will not let me open account they do not tell me why
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I filed a complaint with CFPB in XXXX 2017. PennyMac Mortgage failed to pay my taxes. I called them on XXXX XXXX, 2017 and it took them almost 60 days to pay the bill. This is not the first time they have not paid my taxes. In a response letter from PennyMac they stated they would not charge my the late penalties the township had charged and they said they did not receive any tax bill to pay. 1. My township informed me they did send all tax notices out as normal. 2. On my XXXX statement I was charged for the penalties. I called XXXX XXXX XXXX who signed the letter and she never returned my call. The response letter also said that they would not honor removing the PMI because of the loan value. I know they can make exceptions and would like them to remove the PMI or adjust the account for the PMI to be applied to by principal balance. I can not understand how companies can enforce charges for their protection, but I am unable to enforce any to protect myself. Lastly, The response letter I received had an apology line for my frustration, but it was crossed out in red ink. Another example of unprofessionalism with this company.