23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several accounts were opened without my knowledge or consent. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

i have submitted disputes to you and i didnt get response within XXXX days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.
Product: Student loan

As a long-time public servant, I was using the studentaid.gov website to apply for public service loan forgiveness. The website informed me that I had to consolidate my loans in order for them to qualify and they offered a tool to do this. I began the process on XX/XX/21 and selected Navient as the servicer of the new loan. I was told that Navient will follow up with me in the coming days to service the new loan. Navient followed up with an email titled " heres the information we discussed '' with additional information about the refinance on XX/XX/21. On XX/XX/21 Navient sent me another email titled " Important notice from Navient '' in which I was told " XXXX, congratulations! You are one of the select few to receive a refinance offer. This appeared to be the next step in the refinancing process I had already begun, so I followed the link and refinanced my loan. What I did not realize is that this was an entirely different refinance offer. To make matters worse, it permanently made my loans ineligible for public service loan forgiveness as well as making them ineligible for the federal student loan pause. After the refinancing was done, when I spoke with Navi about this they said that it was my fault and that the loan could not be converted back to the correct type of loan.
Product: Credit reporting or other personal consumer reports

Subject : Feedback on Experian 's Response to Complaint # XXXX Dear CFPB and Experian, I appreciate Experians response to my complaint regarding unauthorized inquiries on my credit report. However, I find the resolution unsatisfactory for the following reasons : 1. Failure to Provide Proof of Authorization : I specifically requested documentation or contracts showing that I authorized the listed entities to access my credit report. Experians response does not address this request, nor does it provide any evidence supporting the claim that these inquiries were made with a permissible purpose.

2. Obligations Under the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to investigate disputes and ensure the accuracy of information reported. Simply stating that the inquiries remain because they were made by entities with a permissible purpose is insufficient without proof of authorization.

3. Impact on Credit Score : Hard inquiries negatively affect my credit score, and having unauthorized inquiries on my report continues to harm my financial standing. Removing these inquiries is critical to ensuring the accuracy and fairness of my credit report. 



I kindly request Experian to provide specific evidencesuch as signed agreements or recordsshowing that I explicitly authorized the listed inquiries. If no such evidence exists, I respectfully ask for the immediate removal of these inquiries from my credit report to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution. 

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

I entered into a payment arrangement in XX/XX/2018 when my car payment was starting to go delinquent. I contacted capital one prior to a 30 day delinquency and agreed on a payment t plan that I was told, would keep my account from reporting delinquent and get it caught up by XXXX. I was told that as long as I stayed on schedule that I would be in good standing. I made all the agreed upon payments and in early XXXX, was reported late for XXXX and XXXX suddenly. I called them to discuss this and they said I was misinformed. I asked them to remove the 30 day lates that recently appeared in XXXX and they refused. I asked to speak to a supervisor and got into a debate of why a payment arrangement was even implemented to f it was not going to keep me in good standing. Still she refused. I disputed the reporting through XXXX. They did not change the 30 day pages, instead, they reported me 30 days delinquent for XXXX as well. This after I have made 2 payments at 1.5 times greater than my regular payment, as agreed.
Product: Mortgage

I would like to file a complaint regarding the Pentagon Federal Credit Union refinance department. On XX/XX/XXXX I applied to refinance my home loan. At which time the loan was in forbearance due to COVID-19. I complied with all requests for paperwork. I complied with the two house appraisals ( The second of which they wanted me to pay for since the first one expired given how long the process was taking. I declined to pay for their deficiency ). I stayed in touch with my loan officer XXXX XXXX and her associates XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ; mortgage processor XXXX XXXX ; as well as Escrow Assistant XXXX XXXX continuously asking about the status and if there was anything else that I needed to do. In the meantime I told forbearance I was refinancing the loan so they said it was no use of applying for a forbearance loan modification if I was refinancing the loan. Forbearance called me monthly to check on the status of the refinance. I had no status updates so I gave him the name of either XXXX XXXX or XXXX XXXX so that he could consult with them about the status of the refinance and especially given the fact the loan in forbearance and refinance were both Penfed but there was no communication between the two departments. By XX/XX/XXXX I had become frustrated with how long this process was taking with no status updates. I was always the one asking for status updates and the response was " processing or underwriting was behind ''. The only emails I received from PenFed was asking for more paperwork or to schedule the house appraisal. I did receive a conditional approval email on XX/XX/XXXX ( which I can upload that if that would be helpful ). So finally on XX/XX/XXXX, five months after I applied to refinance my loan, I was told by XXXX XXXX that the loan processor denied the refinance because the loan was in forbearance. The same loan that was in forbearance five months earlier. Not once was I told that I needed to take the loan out of forbearance to proceed with the refinance because if I had, I would have done just that. I even tried to make payments but I couldnt because the loan said paid in full due to the refinance application ( I sent screenshots of this to both XXXX XXXX and XXXX XXXX ). XXXX stated that apparently the loan processors were changing and going back and forth about approving loans in forbearance. If that was the case this should have been communicated with me. I asked to speak with a supervisor so XXXX told me that she would have her supervisor contact me. Im still waiting on that phone call. I have been a PenFed client since XXXX. I have NEVER made a late payment and I have NEVER been disappointed in PenFed until now. The gross lack of communication throughout this entire process was extremely disappointing and not what I would expect as a loyal 12 year client. As such, I am considering transferring my loans to another mortgage lender if I can not get my loan refinanced with Penfed because the whole point was to take advantage of the low interest rates which I have now missed out on.
Product: Debt collection

A debt originating with a Creditor was erroneously assigned to Credit World Services , Inc. XX/XX/XXXX. I contacted the Creditor confirming and correcting the error. XX/XX/XXXX I sent a letter of dispute requesting new verification of debt to Credit World Services , Inc. who then refused in writing to provide a new verification of debt. I resumed payment to the Creditor as previously arranged until the debt was satisfied XX/XX/XXXX. 

I have received several phone calls each containing harassment from " representatives '' and individuals claiming to be affiliated with Credit World Services , Inc. despite formal written request that all communications be in writing. 

The alleged amount owed as claimed by Credit World Services , Inc. has varied by a significant margin. 

Credit World Services , Inc. reported to XXXX that I had an account in collections XX/XX/XXXX. This deliberate, malicious, false, claim and misrepresentation of the truth has caused severe financial hardship through a compromised credit rating.
Product: Debt collection

The credit bureaus have ignored my attempts to have this negative account removed from my credit report. XXXX XXXX has sold the three accounts that originated to them to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of write off/1099c form for charged off debt, they did not, they sold this date long ago and they are still attempting to collect on it. Please delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?
Product: Student loan

Good morning, I am respectfully requesting reconsideration for my payment counts. I currently have XXXX loans ( XXXX DL XXXX Unsubsidized and XXXX XXXX XXXX XXXX ) both with XXXX payment counts and XXXX DL Consolidation Subsidized and XXXX DL Consolidation Unsubsidized ) both with XXXX payments counts. I previously consolidated my loans in XXXX. After my loans were transferred from XXXX to Mohela this summer, I contacted Mohela 's customer service representatives several times requesting guidance and asking what, if anything, needed to be done on my account. I was instructed to submit updated employment verification, which was submitted prior to the Limited PSLF waiver expiration. I contacted Mohela at least XXXX times before XX/XX/2022, and at least XXXX times after. Today, I spoke with a supervisor who advised that I should've consolidated my loans to receive the benefit of the higher payment counts. This was my XXXX time hearing about this. Additionally, she provided contact information for the ombudsman which I have also contact. Also, I requested transcripts from Mohela as proof of my prior contact with the loan servicer. As such, I am respectfully requesting that my loan counts of XXXX on both loans be updated to the XXXX, so I can receive the benefit that was not properly explained to me during my previous calls and interactions with my servicer. If I can not call the loan servicer and receive proper guidance regarding my loans, who can I call. For this reason, I would like to request reconsideration. I'm awaiting the requested transcripts. If necessary, I can forward them upon receipt. Mohela, as my loan servicer, did not provide accurate guidance when I contacted them prior to the XX/XX/2022 deadline. Had they done so, I would have consolidated my XXXX loans, so I could receive the benefit of my highest payment count which is currently
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
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 an account without my written instructions I DD NOT GIVE WRITTEN INSTRUCTION 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Someone opened a loan from Mountain Summit Financial in my name pretending to be me -- I did not apply for this loan.

The criminal used my name and contact details ( email, address, phone number and more ) to open an account at Mountain Summit Financial, apply for a loan, and receive funds all in under half an hour over the weekend. Mountain Summit issued the loan without validating it was actually me in any way. They issued the loan even though all of my credit bureau accounts are frozen, and no loans should be opened in my name while they're frozen. 

I found out about it because I received 3 emails in rapid succession, with the first indicating the account had been created, and the second saying my loan documents were ready for signature. These seemed like traditional phishing attempts ( and I've received many such emails in the past year due to numerous data breaches containing my PII ), but then I got a 3rd email saying the funds were on their way. This is what scared me and I reached out to XXXX XXXX who has been advising me on security and identity issues since the prior breaches/numerous phishing attempts.

He advised me to call Mountain Summit Financial, but they were closed on the weekend and didn't even have a voicemail box to leave a message -- Again, that they were able to open an account, accept an application for a loan, and issue payment on it when they weren't even open to validate it is SUPER troubling. 

Working with XXXX, we determined that this was likely a successful fraud incident and we logged into the Mountain Summit Financial site to see what else we could find out ( since the criminal used my real email address, I was able to change the password so I could log in ). This is where we learned the money was being sent to an account at XXXX XXXXXXXX XXXX, that the loan application claims the XXXX account was is in my name -- this is not my account, and that the loan carried a 500 % interest rate!! 

I called XXXX MANY times over the weekend to warn them and try to get them to block the inbound transfer or freeze the account and get law enforcement involved. They wouldn't even transfer me to anyone who could help ( more about that in a second complaint I'll file after this ). 

When no attempts to work with XXXX ( over multiple hours ) were helpful, and multiple attempts to call Mountain Summit Financial were successful, I filed a complaint on Mountain Summit Financial 's website.

I finally reached someone at Mountain Summit Financial today who said they would review my complaint and get back to me with next steps by Wednesday -- They were able to open a fraudulent account in my name and issue funds in under 30 minutes over a holiday weekend, but can't be bothered to sort out a crime in the same amount of time... 

I'd very much appreciate your help investigating this company.
Product: Debt collection

Capital One Bank XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Demand for Arbitration Dear Discover Bank, I am writing to formally demand arbitration pursuant to the binding arbitration agreement contained within the Cardmember Agreement The Cardmember Agreement clearly states that " in the event of a dispute between you and us arising out of or relating to this Account or the relationships resulting from this Account or any other dispute, either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in court. '' As I have a dispute with Discover regarding my account, I am hereby exercising my contractual right to resolve this matter through binding arbitration. 

The agreement further provides that the arbitration will be conducted by the XXXX XXXX XXXX XXXX XXXX ) in accordance with their applicable rules and procedures. It also states that Discover is obligated to advance any arbitration costs and fees on my behalf if I am unable to afford them and can not obtain a waiver from the XXXX. 

By including this clear and unambiguous arbitration provision in the Cardmember Agreement, Discover has contractually bound itself to honor my demand to resolve our dispute through arbitration. Discover does not have the option to deny or ignore this binding arbitration clause. 

I hereby request that Discover Bank take all necessary steps to immediately initiate the arbitration process with the XXXX regarding any and all disputes or claims I have in connection with my Discover Card account. Please provide me with any required forms, instructions or other information I may need to properly file for and commence the arbitration proceedings. 

If Discover Bank fails to initiate the arbitration process within 30 days of receipt of this letter, I will have no choice but to directly file for arbitration with the XXXX myself. I will then demand that Discover comply with the agreement and participate in the arbitration. Any further delay or refusal by Discover to honor the arbitration clause may result in additional legal action. 

I look forward to Discover Bank 's prompt compliance with this demand and the initiation of the arbitration process. If you have any questions or require any additional information from me, please do not hesitate to contact me. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 U.S.C.1681 XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.