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

Chapter XXXX Bankruptcy XXXX XX/XX/2019 Chapter XXXX Bankruptcy XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
XXXX, Experian, XXXX and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I applied for the national student service forgiveness program ( XXXX ) they are from XXXX California. They had me pay an admissions fee for them taking care of my account ( XXXX dollars ). i have been paying XXXX dollars a month since XXXX.They have done nothing to help me and have actually hurt me and my credit severely! I had no contact with them til i learned that my credit was severely impacted. The information they had ( email, telephone number, address ) were all wrong and they were not updating my information to the federal student loan people. So i was no receiving any information that i needed to know. i had called to see what was happening and they told me i needed to renew my account after a year. well it had only been 6 months. I was told that i had to send in my pay stubs in ( i faxed them ) order for them not to send my information to the credit bureau. Well that was also a lie, that night i checked my score and it had dropped XXXX pts. Ive sent this company my pay stubs, my information, my social security number as well as my bank account number. In the process they were not communicating with the XXXX XXXX XXXX, who are my actual loan holders, so i learned that i was supposed to be making payments and i never did because this company told me they were handling my account. So on my credit report i was told that i was 120 days late on payment, when in reality i was told that i would not need to make a payment. NBP put a forbearance on my account which the federal loan services noted they did. I was also told that after 10 years of paying ( NBP ) i would have all my loans forgiven. well that was also false because i do not qualify for that type of forgiveness.They are a fraud and never give you the information you need. They told me i could get the public loan forgiveness program when i only qualify for XXXX of the XXXX requirements for this program. It makes no sense to pay a company to help you maintain your loans when they just hurt you in the process. The federal student loan services have helped me understand why this company did what they did and now i think it needs to be noted that they cant keep doing this to students who are struggling to pay for their loans.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I know nothing about them, and the company performed them without my authorization.
Product: Credit card

Macy 's allowed for the opening of a fraudulent credit card in my name in XXXX XXXX. I had not authorized or requested the card. When I found out about it via a credit report in XXXX XXXX, I promptly called Macy 's credit card number and alerted them to a possible identity theft and asked them to close the card and inform all the credit reporting agencies. Macy 's Fraud Investigation Department acknowledged my complaint with a postal letter asking me to reach out to the XXXX credit bureaus. 

I also filed an identity theft report with the XXXX ( Texas ) Police Department and signed an affidavit and sent a copy by certified mail XXXX these documents to Macy 's. In addition, I have paid XXXX to have my credit report monitored. 

In the three months after I submitted my documents and spoke with their representative asking that the reference to the unauthorized credit card be removed from my name, Macy 's has not done so. In fact, Macy 's let the credit agencies know in XXXX XXXX that this unauthorized account is past due ( according to my XXXX monitoring service ). When I called Macy 's expressing my extreme frustration at this negative hit against my credit rating, they were quite blase about it and suggested that they might get around to looking into this in the next few months. 

I find Macy 's credit card practices to be quite unacceptable - they allow for card accounts to be opened with minimal investigation and then seem uninterested in helping redress the wrong. I would appeal to the CFPB for assistance in having Macy 's expunge the reference to this card from my name.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with The Fair Credit Report Act, Public law XXXX, XXXX VI, Section XXXX. 
Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

My conventional home loan with the previous loan company XXXX XXXX  transferred to Mr Cooper at the end of XXXX. By then, I had already paid my monthly amount of {$1700.00} for the XX/XX/XXXX deadline to XXXX XXXX ( and an additional {$250.00} principal payment ). See screenshots with the previous loan company attached. However, Mr Cooper took over the loan XX/XX/XXXX and still has not reconciled for the missing {$1900.00}. I have paid for XXXX mortgage twice now, as well as XXXX 's payment, as I wait for the amount from XXXX XXXX  to reflect with my mortgage with Mr Cooper. 

I have attached my three emails to Mr Cooper 's ResearchIncoming Email account, which their chat associate directed me to use. Mr Cooper said the amount of approx. XXXX XXXXXXXX would be reconciled by XXXX and I have heard nothing back from them. They have currently disabled their Chat feature on the website and I sent them a XXXX XXXX  asking for help, to which they gave no answer.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : # XXXX, Account name : XXXX : # XXXX XXXX U.S.C 1681 Section 602 A, states I have a right to privacy. 

15 U.S.C 1681 Section A Section 2, States a Consumer Reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall Not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause believe that the information is accurate.
Product: Money transfer, virtual currency, or money service

I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totalling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " manager '' money over the next couple of months totalling to little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were no help. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me even get half of this back, Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking over my credit report I have XXXX collection accounts as follows 1. XXXX account number # XXXX 2. National Credit  account number # XXXX 3. NCA Credit account number # XXXX I contacted the first one XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX  because they are the ones who own all THREE of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to XXXX XXXX XXXX XXXX XXXX whom once again are not listed on my credit report. I called this company XXXX and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.
Product: Credit card or prepaid card

I purchased a product worth {$110.00} from XXXX on XX/XX/2023 but received a damaged product instead. I had promptly returned the damaged product but I never received a refund even after waiting three months. The XXXX tracking id is XXXX for the return. I submitted a complaint to Paypal but they said the the information I provided was invalid and closed my case. If one goes to the XXXX website and enters the tracking number they can clearly see that the product was returned.
Product: Checking or savings account

My account was closed. I tried using my card as I had done the day before and it was declined. I tried logging into the app and was informed my acct was closed for violating terms they wont further disclose and that in either 14 days or working 30 I will receive my funds. I have money in 3 different accounts with them. Last time I was able to use my card was on XX/XX/2022 at footlocker amd the next day nothing. I have about {$91.00} in the credit builder, over {$2300.00} in my checking and almost {$12000.00} in savings. This is my primary accts. Now I have all these bills due and no money to pay. Cant talk to anyone besides thru emails and because its not their money they are in my opinion dismissive. If you cant tell me why you specifically closed my account then it shouldnt take 30 days to issue me my money the same day its closed it atleast within a few business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 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.

I demand 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, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported my collateral loan # XXXX 30 day late. This is an error. I submitted an application to refinance the loan ( XXXX XXXX ) on XX/XX/2022. The application is currently under review and all collections should have ceased. I spoke with a XXXX XXXX representative to confirm I am still active with refinance, and she also stated that I should not have a late payment and to reach out to the credit bureaus and dispute it. I attempted to contacted them and unable reach anyone by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is continuing to report an erroneous report on my credit file from XXXX XXXX XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX XXXXXXXX XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted from my credit report.
Product: Mortgage

PHH Mortgage, formerly OCWEN, serviced by XXXX has repeatedly charged late fees and " other fees '' and has recently sent a " Notice of Default '' demanding payment of the mortgage payments that were already sent AND they demand the late fees for payments that were sent on time or they threaten to foreclose. I have always sent my payments prior to the 15th of the month, which is the allowed time frame per the mortgage contract. I have always sent my payments via certified mail and have receipts for each month. I will include some of these receipts as attachments. 
The most recent letter dated XX/XX/XXXX  stated that the payment for XXXX hadn't been received. That payment was mailed certified mail on XX/XX/. They are attempting to charge me late fees due to their poor processing times. 
On XX/XX/XXXX  XXXX sent a " Notice of Default '' stating that I had to pay {$2800.00} prior to XX/XX/, which included {$840.00} in late fees. " Failure to cure the default on or before the date specified in the notice will result in acceleration of the sums secured by this Security Instrument and the sale of the property. Upon acceleration, the total obligation will be immediately due and payable without further demand. '' On XX/XX/XXXX  I sent a check via certified mail for the full amount of {$2800.00} to stop their threat of acceleration and foreclosure. 
I have sued OCWEN in a court of law for this exact same predatory lender tactic. I am willing to file suit against them again, but wanted to try this government complaint process first. 
Yesterday, XX/XX/2023, I received a credit score update and was alerted to the fact that PHH had reported two 30 days late reports to the credit reporting companies which has destroyed my credit. PHH Mortgage, formerly known as OCWEN Mortgage and their loan servicing company are predatory lenders.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting

I have had an outstanding balance on my credit report over the years which I never even used. My credit has been used by somebody in my family which I have never figured out. The issue has never been resolved and I ca n't do anything because my credit been like this over the year. I have a outstanding balance of electricity and loans taken out which are not from me.
Product: Debt collection

I am XXXX from a car accident from a long time ago. I had a XXXX XXXX that needed XXXX. that XXXX left me XXXX. As a result I fell behind on My Bills and went into default on my credit cards AMEX is one of them. On XX/XX/XXXX. XXXX American Express Bank got a Judgment against me. 
In XX/XX/XXXX I was forced to file bankruptcy as my home is also in foreclosure. That Bankruptcy was dismissed on XX/XX/XXXX. 
Also my mother passed away and her home is up for tax sale. I was able to sell my mothers property to pay taxes and Bills. I called the law firm for AMEX the law firm of XXXX and XXXX and spoke to XXXX XXXX XXXX. to settle the matter and get a release of Lien / Judgment. She told me that her firm does not have it any more and that the debt was transferred to XXXX XXXX XXXX XXXX at XXXX ext XXXX I spoke to a XXXX and he said I had a XXXX balance. I told him about the Judgment and that I need a release to close on my mothers property pay my back taxes and go on with my life. He said that the law firm handling this was XXXX XXXX XXXX XXXX at XXXX I spoke to XXXX XXXX he said his firm is no longer handling this and that I needed to call AMEX at XXXX and ask for a manager. I called Amex they told me to call XXXX and XXXX back the 1st attorneys I called them and they said to call back XXXX XXXX XXXX  again. I call them again left a message. Now I am writing you. This is a round robin something is wrong. Please Help Me Before I lose the buyer.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 Bank of America called me from their XXXX number to let me know a fraudulent transaction happened on my account using XXXX that i never used in the sum of XXXX. The told me to transfer the funds back to myself. They sent me a pin and authorization cade. they knew my acct last 4 numbers and also knew my available balance. 
I got a text on my phone asking for authorization to transfer funds which i replied no and i immediately got a txt back from fraud dept to call an XXXX number. 
i called the number from a land line while i had BOA on my cell. after 30 mins on hold someone answered and told me that they had a huge call volume with similar complaints to which i replied can we fix this asap. She replied the money is gone. 
Under REG E, i did not contact or induce the transaction, Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts. 
The Consumer Financial Protection Bureau put out a directive in XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' " This is when someone tricks you. So the whole idea that treachery is involved should mean consumers are protected by Regulation E, I spoke to bank of america when i recieved a letter telling me the claim is denied and after speaking to a supervisor and explaining the entire thing she said she would refund the money, after trying she said her authority level was for XXXX and she was moving it up to her supervisor and it would take 24-48 hours. 
a week later I am on the phone with BOA again getting a run around. 
the transaction was initiated by BOA, they knew my acct specifics and balance. The app they use " XXXX '' is owned partially by the BOA and six other banks with the same problems for their consumers. 

BOA is responsible for the claim and now states they are awaiting correspondence from XXXX which could take upto 45 days.