23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aidvantage is my federal student loan provider. Theyve put many accounts on forbearance, saying no interest is being accrued during this time, including mine. My account/principal balance on XX/XX/XXXX was {$64000.00}, and it went into forbearance on XX/XX/XXXX. I have 12 total loans with Aidvantage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had a balance of {$2200.00} from XX/XX/XXXX to XX/XX/XXXX. I chose to pay this loan off in full on XX/XX/XXXX, and payment was confirmed XX/XX/XXXX. I went in to check my balance on the XXXX, and noticed my total balance was {$62000.00}, where my XXXX XXXX XXXX XXXXXXXX XXXX balance was now {$0.00}. {$64000.00} minus {$2200.00} is {$61000.00}, indicating my loan is accruing interest. ( Its {$280.00} more than what it would be if interest wasnt accruing in XXXX ). I can not tell if interest had been accruing during this XXXX range but I dont trust that it wasnt.
Product: Mortgage

It is our belief that Bayview Loan Serving, LLC has been violating The Federal RESPA Act multiple times regarding our account. A ) Refusing to provide mortgage Statements even after Chapter XXXX discharge five months ago. B ) Failure to respond to written requests for statements and information. C ) Sent one delinquent letter in error and apologizing once over the phone and not sending a letter of apology. D ) Refusing now, not to speak with us via telephone ; telling us they will only communicate with an attorney. 
All payments were made at the end of each month for payments due on the XXXX and all were sent certified and signed prior to due date. Our most recent payment for XXXX XXXX was sent and received but they have not been deposited in our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

What I'm failing to understand is unprofessionalism and the many violations coming from CFPB. This is NOT this first time you have provided my personal information too unauthorized companies. A company that has no legal right or my consent to access or utilize my personal information. 

I made my report to you, CFPB about a company that was a part of my XXXX XXXX discharged bankruptcy that had gone out of business however XXXX continued fraudulently reporting for OVER four years ruining my credit report. 

I got a letter in the mail from some strange and unknown mortgage company that i have NEVER did business with, ever. This unknown company is NOT a part of my bankruptcy. The original creditor is listed in the bankruptcy and that account number has been discharged under the original creditors name. 

For this unknown company to have gotten access to my personal information and accessed files FROM the United States Bankruptcy Courts, FEDERAL documents and illegally altered the information, AFTER a Judge has discharged the account is a whole crime within itself! 

This unknown company has NO legal rights too any of my addresses, account/case numbers nor anything else. For one, I did NOT willingly consent and for two, the entire account was long discharged in Federal Bankruptcy Court BEFORE the company went out of business. 

PLEASE tell me when will this stop? When I filed Bankruptcy, EVERY account under the bankruptcy rules and laws were too be REMOVED off the credit report COMPLETELY! This is the results of bankruptcy debt buyers that are only interested in XXXX  XXXX and XXXX XXXX discharged debts. 

It's been ALMOST 5 years since the discharge and i have NEVER fully been given that right too a fresh start because you all allow these discharged accounts too continue too be listed on my credit report. How could an agency that is supposed too help allow such criminal behavior? This is supposed to be an government agency I have kept all my copies of reports and complaints and a very long list of criminal activity because I want others too witness how horrible an government agency allowed an consumer to be treated by creditors that are allowed to violate FCRA and completely ignore an court injunction & boldly being in contempt of court.
Product: Mortgage

Thank you for taking the time to read my message, it is highly appreciated. 

We have been dealing with the company Mortgage Center ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX, Michigan XXXX ; ( XXXX ) XXXX ) for the last two weeks.! 0 years ago, when the Condo we live in was purchased, the mortgage was through this company. About a year ago, we paid off the mortgage. When we wanted to go ahead and close the sale of the Condo two weeks ago, we were told that the Mortgage Center had not properly closed our account and released the lean. When we contacted the Mortgage Center Service Center, we were told that they would look into this and reach out to us. But, instead of reaching out to us, we had to call them every day the last two weeks just to hear the same response. We have not been reached out to, there was no tag on our account, that we had requested this issue to be solved and not once did the person who answered the call know that this situation had been going on. 

It really raises the question if this company is a legit company. When I went online to research the reviews and the experiences other people have had, I realized that this is a very common situation with Mortgage Center. 

Please, take the time to investigate this company and this situation. We are having serious problems because of the malfunction of Mortgage Center and we are the only ones who are suffering severe damage.
Product: Credit reporting or other personal consumer reports

i have been a victim of the data breACH These accounts and inquiries are not mine i need help pleease see attached
Product: Mortgage

After several months of them receiving my payment on the XXXX, but not posting until the XXXX, if they post at all, I set up auto-pay through their website. Not trusting them, I took a screenshot of the confirmation and the email I received saying they had received my request. Sure enough, the confirmation email disappeared from the sls message center and the auto pay request was gone as well. I emailed them and they responded. In the response email they provided a link to the message, which went to a " page not found ''. I signed into my sls account and for a brief moment a new message appeared that said my auto-pay was set up and ready to go on XXXX. Of course, that message disappeared as well, but I took a screenshot. 

Twice in the past few months, they said they did not receive my payment which is an autopay from my XXXX  XXXX XXXX account. I have spent hours on the phone trying to straighten things out. I tried, in the past, to set up autopay through their website, but that part of their website was out of order. When it was finally operative again, I set up autopay only to encounter what I described above. It is exhausting having to babysit this mortgage payment. I have read reviews from : XXXX XXXX XXXXXXXX and it appears many are experiencing the same problems. How is this legal and how are they able to continue to manage their billing process in this manner?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents : a ID, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX outlined in the XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). These accounts, inquiries, and addresses are a result of identity theft and fraud that occurred during my period of trafficking. Per FCRA, I expect TransUnion to take action within XXXX business days of receiving this complaint. 
As a victim of trafficking, the following accounts were not opened, made, or initiated by me and are the result of identity theft and fraud. I request that you block the information on my credit report within ( XXXX ) XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Please delete and block the following accounts and 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 To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts, inquiries, and addresses : * FCRA Section 605C Self-Attestation Form * Notarized Identity Affidavit * FTC Identity Theft Criminal Complaint # XXXX
Product: Bank account or service

I opened a Citigold account XX/XX/2016 with a promotional offer of XXXX XXXX XXXX miles if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX miles in XXXX 2016. XX/XX/2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made two additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.
Product: Credit card

Im asked to make a payment of XXXX, of which 30 is valid. The remainder is being asked of me to pay earlier than was promised. They told me this is because I made a standard purchase without special terms but thats inaccurate. They also confirmed they made an error last I spoke to them on XX/XX/year> at XXXX when the call dropped for the third time. They have done this in the past too where they apply payments to newer transactions and not apply them to older transactions forcing me to pay early on these special terms. This has to be investigated and fixed.
Product: Checking or savings account

I received a check deposit for XXXX from my rabbi and I had several unauthorized transactions on my account and I was in the hospital due to a car accident and the bank refuses to refund my money
Product: Credit reporting or other personal consumer reports

This is my 8th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX BalancXXXX Owed {$0.00}
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

My credit was marked as late in the month of XX/XX/2023, as I stated in the previous CFPB complaints when asked to speak with a supervisor no one is available. Each agent I spoke with regarding my credit reporting has told me it was accurate. XXXXXXXX XXXX doesn't not allow you to make a payment without paying fee which is UDAP volitation, none of my notices signed at closing or my promissory note state I must pay my late fee to make a payment. I spoke with my lender who confirmed also its not required. It's an Unfair, Deceptive, and Abusive use of power to get customers to pay fee or not a payment. I recently attempted to speak with a supervisor when they returned my call after receiving regarding this matter, he advised me that I was on certified funds block due to NSFs. I asked for proof because I've never had a return check with XXXX XXXX regarding my payments.
Product: Credit card or prepaid card

Cash App has been deducting money from my business and personal account and I only had the app for 2 days and closed it due to them stealing money from my account and not wanting to take responsibility. When I have reached out to their representatives I have numerous I dont knows, we cant give you those answers and Ive been hung up on. This isnt what a financial institution as they claim they are should be able to do with your sensitive information or money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.
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 XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


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

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. 
Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false acc
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX, XXXX XXXX  Date of inquiry : XX/XX/year>2023 Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  XXXX Date of inquiry : XX/XX/year>2023 Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  XXXX Date of inquiry : XX/XX/year>2023 Please remove it from my credit report.
Product: Debt collection

After this debt was paid, I called the company, Finance Systems to make sure they will remove this. They told me that they will report this on XX/XX/XXXX and it is not showing it. I have their receipt that they mailed me to show that this debt is paid off. 
This company is know for its tactics and dragging their feet once debts are paid.
Product: Mortgage

I missed 2 pmts XXXX and XX/XX/2018. Started trying to contact BOK to set up a repayment plan on 2 missed pmts never got through on the phone. Filled out paperwork and waited to hear from them never did. When my call finally went through was told they were not accepting mail from me any received would be returned and they were mot to talk to me cause my house was in foreclosure. First I heard of this. This has been on going since then. I do not understand why they refuse to work with me. The only reason I know about the sale date is my son looked it up on the computer. There is not enough room to write all the wrong doings they have done to me and now kick us out a week before XXXX that in itself is wrong. I know it's too late for me but hopefully this keeps them from doing this to somebody else. It should have never gotten to this point. They haven't responded to my request for a payoff amount or a reinstatement amount. How they treat people is wrong and is wearing on my stress and mental levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt keep track of the dates but for over three weeks Ive been reaching out to them to correct my name some how a XXXX  was added to my name Ive sent two faxes with all the info and nothing I also sent a certified letter requesting that they remove that XXXX  off my name because I cant apply for credit because its not my name nothing I keep calling Ive sent all the documents that they need I get from them when u call they havent received the documents are that they havent uploaded its on going and its really sad that the consumer has to go through all of this to get something so simple taken care of Im at my end with Equifax
Product: Mortgage

The mortgage for our Virginia home was obtained in the summer of XXXX with Wells Fargo. At that time, a contingency requirement of obtaining the mortgage was adding a home warrantee with XXXX XXXX XXXX. Years later we heard in the news about this unfair ( and illegal ) practice and that Wells Fargo was supposed to drop this requirement and compensate affected customers. After doing some research we learned Wells Fargo officially " discontinued '' this practice in XXXX. In XXXX and in XXXX, we called Wells Fargo to inquire about dropping the home warrantee and were told it was " not possible. '' We were also informed there would be a " penalty '' ( nonspecific ) if we were to allow the home warrantee coverage to lapse. We don't want to refinance the mortgage and spend XXXX  in more fees with another company in order to cease paying the annual home warrantee fee. Initially the home warrantee fee was {$600.00} per year but it has increased over time to {$750.00} per year. We've paid the fee each year to XXXX XXXX XXXX, in total around {$9200.00}.