23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is about my previous complaint. XXXX I attempted to start a repayment plan via the app, but the wrong account number for payment was on it. I canceled the payment and attempted to update the payment method, but the app did not allow me to do so. I have been attempting to contact Capital One for months requesting help. they refuse to help me. 
They have sense charged off my account and done a lot of damage to my credit score. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has me listed as an authorized user for an account that I am not on and does not belong to me. I have tried to dispute it and it is still showing up on equifax and XXXX. It was removed from XXXX but it still remains on my equifax and XXXX. I have disputed a couple of times and explained to them that this account does not belong to me and i am not an authorized user. I have never had nor do i have any interest in having an XXXX XXXX card. They continue to report on my credit each month after Ive explained and dispute multiple times. I want this immediately removed from my credit.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have received the pre-approved credit card offer from Bank of the West XXXX XXXX. The offer was 0 % Intro APR for 12 months on Balance Transfers and Purchases. However, the bank charged the interest rate on my XXXX credit card statement and telling me that the account has no such offering. Instead, the card is offering 15 months balance transfer only. Looking at the offering at here https : //www.bankofthewest.com/personal-banking/credit-cards/cash-back-credit-card.html, it is clearly saying it offers 0 % Intro APR for 12 months on Balance Transfers and Purchases. I've talked to the customer service and supervisor, and they kept asking my pre-approved with the code, which I do not have. I do not think anyone keeps the offer letter like that. Anyway, the act of this bank is deceiving the customer and charge the fee to the clients. Please audit this bank, and I do believe that this is definitely violating the law.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civi
l liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against the Department of Education and any affiliated student loan servicers for violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and data. 

Under the provisions of the Family Educational Rights and Privacy Act ( FERPA ) ( 20 USC 1232g ( b ) ), all student loan information maintained by the Department of Education is considered a protected education record subject to strict privacy controls. Unlawful dissemination or release of these records can constitute a FERPA violation.

It has come to my attention that there have been improper actions related to the treatment and sharing of my private student loan details by the Department and/or its contracted loan servicers. Specifically, I believe my student records have been mishandled, inaccurately reported, or wrongfully disclosed without my consent.

Such actions would not only breach FERPA 's confidentiality requirements for education records, but also run counter to the Congressional intent behind the Fair Credit Reporting Act outlined in 15 U.S. Code 1681. This statute emphasizes the need for consumer reporting agencies to uphold accuracy, fairness, and respect consumer privacy rights per section 1681 ( a ) ( 4 ).

Given that FERPA deems student loan data as protected education records, improper treatment or disclosure violates not just FERPA but also the FCRA 's mandate for exercising consumer privacy responsibilities with impartiality and proper regard for confidentiality as stated in section 1681 ( b ).

I am requesting the CFPB to immediately open an investigation into this apparent violation of my statutory student privacy rights by the Department of Education and any involved student loan servicers or contractors. Failure to safeguard my protected records is unacceptable.

Please advise on the corrective actions and enforcement steps your agency will take to address this complaint, ensure accountability, and prevent any future infractions against lawfully-required student data privacy and confidentiality standards.

Thank you for your timely attention to this serious matter of protecting student privacy rights.
Product: Credit reporting or other personal consumer reports

I can not get credit-related services instantly because it says my profile is invalid.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor 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, block 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 XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} CITI XXXX XXXX Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

SENT CERTIFIED LETTERS TO ALL 3 BUREAUS TO UPDATE ALL MY PERSONAL INFORMATION ON MY CONSUMER REPORT. THEY ARE ALL REPORTING FAKE ADDRESSES/NAMES/EMPLOYEEMENT THATS HURTING MY CONSUMER REPORT. ALL WERE NOTIFIED OVER 30 DAYS AGO CORRECT INFORMATION NAME : XXXX XXXX XXXX EMPLOYEEMENT ; XXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX : XX/XX/XXXX
Product: Student loan

I am a current masters student who is also employed full time w a 501c3 nonprofit. I have told them I plan to continue making payments while in school to have qualifying payments applied to XXXX XXXX loans. have called MOHELA consistently between XX/XX/year> and now. Requested to be removed from in school deferment XX/XX/year>. I was not advised I was on in school deferement. XXXX at XXXX said that she would remove it and adjust my payment count backdated to XX/XX/year>. 

I am now being advised my payments Ive made since XX/XX/year> will not count towards PSLF because I have been on in school deferment since then because I did not fill out a waiver form. However Im now being told that the form no longer exists and can only make a verbal request? Doesnt make sense. At no point did MOHELA notify me my in school deferment was removed. I have made monthly payments since XX/XX/year> I was also advised certain months I was on a processing forbearance which means those months will not count towards payments. I was told administrative forbearance those payments would count. I have not been advised which months were in either of these forbearances and they continued to collect payments while not advising me of my forbearance status.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

NewRez LLC c/o Shellpoint Mortgage Servicing has been receiving my payment via " billpay '' through my financial institution for years. I have the automatic payment set to pay every XXXX for the payment due on the following XXXX. On XX/XX/XXXX my payment of {$2200.00} shows as the normal ACH withdrawal to Shellpoint Mortgage on my bank statement. On XX/XX/XXXX my bank statement shows {$2200.00} deposited back into my account from Shellpoint Mortgage. Phone call is made to NewRez customer service... they claim no payment was made for the XXXX due.. I do some more investigating in the " history '' of the " billpay '' and it just shows that the " transaction failed '' ( lots of money in the account to cover the transaction- that is not the problem ). Go to the Credit Union to try and find out what is going on. They investigate and say the only thing they can figure out is that the account # for the mortgage must have changed. Call back to NewRez customer service ... .No the account # did not change -- -but the mailing address did. I explained that I can not change the mailing address in " billpay '' because the " payee has a relationship with billpay to provide that information ''. Customer service did say they had been getting a lot of calls over this issue. 

I mailed a check to the new address XX/XX/XXXX for {$2200.00} and it is credited to my account on XX/XX/XXXX. I received a XXXX showing that payment with {$360.00} going to interest, {$570.00} to Escrow I had set an additional " billpay '' to go out XX/XX/XXXX ( to check NewRez/ Shellpoint got the issue corrected ) as I don't have an issue with making extra payment, and left my normal payment set for the XXXX of each month. 
A check from billpay cleared ( not the normal ACH ) XX/XX/XXXX and XX/XX/XXXX both in the amount of {$2200.00}. XXXX dated XX/XX/XXXX shows those payments as {$710.00} in interest, and {$1100.00} going to XXXX XXXX???? I just had a payment clear on XX/XX/XXXX and they come up with {$710.00} in interest -- -no late payments, 4.375 % interest. I just ran calculations and taking out the full Escrow that they did ( which they should not have ) we are at a difference of {$520.00} in interest that they overcharged me!
Product: Checking or savings account

So I opened an account with Bank of America and that same night I uploaded a check to my account. It said it would be available next business day and then changed to a week later. Well 2 days before it was supposed to clear, I could no longer sign into my account. So I called customer service the next morning. Well they could not verify me on the phone and told me to go in person to the bank. They could not answer anything until I go inside. So I pack the kids up and head to the nearest bank. They verify me and tell me check from my grandmother was fruad. That had resulted in closing my account. The check according to them was never cashed, that they didn't owe me anything and I could supposedly go cash my check elsewhere. They gave me numbers to file a complaint. So I leave and go to work. I call these numbers at work and they won't talk to me again because they can verify me. Well now my dad is also sending me proof that the money was indeed taken out of my grandmother 's account my bank of america. So I go back into a branch. They tell me they can't do anything about my {$2000.00} they are holding. So here I am missing {$2000.00} that they did indeed take. So I can not cash the check like they claimed. And I am out {$2000.00}.
Product: Mortgage

Citizens Financial have allowed a Fraudulent lien on the Home Title. We have NO Business with XXXX. This is the second Mortgage type Fraud, their Lawyer XXXX XXXX XXXX XXXX, XXXX. supposedly cleared the last fraud for Fed lawsuit I filed & Won 1:18-cv-09226 [ XXXX settlement signed XXXX XXXX in court. NY XXXX
Product: Credit reporting or other personal consumer reports

I looked at my EQUIFAX credit reports on XX/XX/XXXX and noticed some things are incomplete and not accurate. 

XXXX XXXX, XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX 


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. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

I have disputed an account with XXXX for RentDebt 3 times. This is not being removed from my report. I was contacted by the company one time and provided information payment made and video of apartment to show that the debt for XXXX is not valid and I only should owe an amount of XXXX I have asked for this information to be updated and XXXX keeps reporting the debt as XXXX and saying that the amount is correct.
Product: Credit card or prepaid card

The website where for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several payments.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

XX/XX/XXXX Ths Complaint is about Missing MERS  / Mortgage Assignment Documentation. 

I have two mortgages with LoanCare ( XXXX  ) since XXXX, both of which are current and never late with a payment. In XX/XX/XXXX I obtained written approval from another bank XXXX XXXX XXXX XXXX to refinance one of these mortgages ( LoanCare # XXXX XXXX at a significantly lower interest rate. On XX/XX/XXXX LoanCare was formally requested to provide the new banks attorneys with the customary MERS resolution and assignment documents for Consolidation Extension and Modification Agreement ( " CEMA '' XXXX to close. 

For over 4 months ( XX/XX/XXXX - XX/XX/XXXX ), despite numerous documented online submissions, emails and phone calls, LoanCare has still not provided the required MERS / CEMA documentation. 

We have requested three extension from the new bank and the final extension is expiring XX/XX/XXXX. If LoanCare does not provide their attorneys with this conventional documentation, we will not only lose our processing/application fees but be forced to keep our higher interest rate mortgage with LoanCare. 

We have been exceedingly patient and exhausted all reasonable attempts to resolve this. We implore your assistance to expeditiously correct this before the expiration of our final XX/XX/XXXX extension. 

I urge you inform the appropriate LoanCare personnel to resolve this or advise of alternative courses of actions. Please contact me at your earliest convenience to discuss how we should proceed. 

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

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX 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: Debt collection

XX/XX/XXXX I am written on behalf of my student loan that I filed bankruptcy on in XXXX due to unduly hardship I had not worked three years prior to filing bankrupt nor worked a year half proceeding bankruptcy. My student loan was not under Navient at the time it was in a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX. In which I filed. 
Since filing bankruptcy, Navient has pulled it out bankruptcy reissuing the loan a new account number making it appear as if it was not included in the bankruptcy because the account numbers do not match the previous collection agency number. My issue and concern is I filed bankruptcy on this loan several years ago and I will like this account to be closed and removed from my credit report. 
I have attempted several times to inform Navient about this account however, they continue to tell me the account numbers are different.
Product: Credit reporting or other personal consumer reports

After reviewing my submission, I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, I didn't receive any ( not one ) of the correspondence that I requested in the last complaint. 
Equifax didn't provide information on XXXX XXXX XXXX and there are several violations found on my credit report still. 

All of this is grounds for removal by law. 

1. The Original Contract With My Signature On It ( DID'NT PROVIDED ) 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) ( DID'NT PROVIDE ) 3. The Payment History and Itemized Billing Associated With Each Account ( DID'NT PROVIDE and No Correction 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) ( DID'NT PROVIDE ) Also : 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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Product: Vehicle loan or lease

Account is paid and satified and would like this removed from my credit report
Product: Credit card or prepaid card

XXXX XXXX closed my XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.