23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of 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

I am writing to file a complaint against TransUnion for reporting inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

TransUnion is : Reporting a XXXX late payment on my closed XXXX XXXX account. 
Reporting a XXXX XXXX XXXX account as derogatory, despite it having been deleted. 
Reporting an account with XXXX, which I am not liable for. 
Reporting a late payment on my XXXX student loans, even though I have been in forbearance as confirmed by a XXXX representative because I am still in school. 
I request that TransUnion immediately delete these inaccuracies and ensure my credit report reflects accurate and up-to-date information. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Student loan

I had my school loan, taken through XXXX College, XXXX, NY, in XXXX. I had paid on the loan for many years. I was told through my employer with the XXXX XXXX XXXX XXXX XXXX that I could apply for the Public Service Loan Forgiveness Program OMB No. XXXX. The form was completed XX/XX/XXXX, and later was sent a letter that I was denied for the loan forgiveness program. 

I currently work as an XXXX XXXX Office ( XXXX ), and I qualified for the loan forgiveness under Public Health. I work in the IXXXX XXXX, in XXXX, NY  XXXX the XXXX XXXX XXXX XXXX in the U.S. 

I have met the qualifications with payments made to Sallie Mae/ then transferred to Navient, as well as the Public Health status ( under Section 6 ). 

If you can please follow-up, on the specific reason why I did not qualify, I would appreciate. I have read that there are actions being taken against the servicer Sallie Mae, and would like a written reason for the denial and how the process is done, and what qualifications meet the criteria, as I believe mine does. I have been employed with the XXXX XXXX since XXXX, and with the XXXX XXXX, since XXXX. 

Once denied I took a personal loan, which I am still paying now, which gave me a lower interest rate. As I was told by the service that my payments in XXXX, would have been {$900.00} a month, which I would not be able to afford. 
Thank you for your time and assistance with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXXh ( Case XXXX ) Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) XXXX XXXX XXXX XXXX XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX  XXXX : Balance : {$360.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX : Balance : {$650.00} | Date Fraud Begun : XX/XX/XXXX XXXX  XXXX : Balance : {$3100.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX Avant : Balance : {$1100.00} | Date Fraud Begun : XXXX. XXXX, XXXX XXXX XXXX XXXX : Balance : {$1000.00} | Opened : XX/XX/XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Account Name : XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX - XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to obtain a mortgage with my spouse. He has not had issues, but when the Mortgage Company and XXXX XXXX XXXX we paid tried to get my Equifax credit report it is showing blank and Equifax is not reporting anything for me. 
I have spoken to my current mortgage lender and credit card lenders and they all say Equifax refuses to score or release my report. 
After XXXX different phone calls to them and being told there is NO hold, Freeze or anything wrong they see no issue, The XXXX phone call on XX/XX/24 an agent with Equifax told me they need again to verify my information every 3 months to prove my identity. I have been going rounds with this issue the last 3 years everytime I need to apply for insurance, credit of any type or life insurance they do this. I have not asked them to Freeze my credit, I have submitted my Drivers License and Social Security Card to them numerous times, I have lived in the same home for 11 years, Had the same exact XXXX jobs for the last XXXX years. My life is boring, I have not been a victim financially of anything thank XXXX. I would like to have my credit unfrozen of which they took the liberty of doing without my permission and some sort of apology for them playing games with my credit. This is unfair practicing and this is not the first time I have heard this. Their answer to me was to drive to XXXX, Ga to the walk up window with my Drivers License. I would clearly like an explanation why this is happening to me???
Product: Credit card or prepaid card

I filed a dispute in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used XXXX credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up if needed Rebuttal : XXXX XX/XX/2021 ) I submitted a new additional information from the merchant that i can issue a refund through my bank and chime refused to do it. 

Update # 3 : XX/XX/2021 XXXX Closed ) i got an email that they closed my case even though I got a notification that XXXX of the purchased i made from the merchant was cancelled and will be refunded to my card ending - XXXX and still they closed the issue. 

I have all evidence here that I am eligible for refund and chime refused to do it.
Product: Debt collection

Creditor sued for judgment in XXXX ; account was settled in XXXX. Judgment remained on account until XXXX XXXX when Vacate Judgment was entered. However, Creditor then changed debt to collections, creating a double jeopardy for the debt. Once the judgment was vacated, the debt is no longer reportable. Creditor refuses to remove illegal reporting after multiple requests.
Product: Mortgage

XX/XX/2022 XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : On XX/XX/XXXX, I submitted Complaint # XXXX because my Servicer denied my request for any home retention option without respecting the due process and, at the same time, engaging in predatory practices. 

This week I received a letter from my Servicer in response to my complaint. However, the letter does not address the main problem, which is a remedy for predatory practices. Even though Specialized Loan Servicing is the Servicer of my loan and not a lender, they have to apply the lender or investor guidelines, and my complaint was about those guidelines. 

With the letter, Specialized Loan Servicing is sending me a new loan modification offer, which I appreciate, but still, some of the terms are predatory : XXXX years with a 7.250 % interest rate ( currently, the rate for a XXXX mortgage is 6.28 % ). After that, interest will increase to 13.125 % for the remaining 12 years and a down payment of {$21000.00} I am not trying to avoid my responsibility. I want to pay this loan. I am only asking for fair terms to solve this problem. Still, the Servicer and the Investor of my loan have set loan modification terms that are impossible to accept for anyone in my position because I do not have {$21000.00}. I am sure nobody affected by XXXX has that amount of money available in a bank account. With the inflation and the consequences of the Pandemic, we are barely surviving, and gathering the amount requested as a down payment is impossible. 

Today I reviewed your portal and discovered that the case is closed just because the Servicer sent a response letter to my complaint. As I said in the second paragraph, the letter does not address or solve the main problem. Under that offer I am still subjected to paying an outrageos interest rate after XXXX years, and I am required to make a {$21000.00} down payment which I dont have. Thus, how can the Consumer Financial Protection Bureau close a case that has not been resolved? And, why the Consumer Financial Protection Bureau accepts the servicer stataments without any evaluation? Or is this an automated process that closes cases when an answer is received without any human involvement or verification? 

I am asking for your support and mediation with my Servicer and Investor to reach an agreement allowing me to keep my home. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number_XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit report. I have no knowledge of this item, nor did I authorize it. Please remove this file off my credit it is hindering me. I have applied for anything within the last two years.
Product: Checking or savings account

I opened a Citi Bank checking account on XX/XX/year>, with an initial deposit of {$25.00}. On XX/XX/year>, I deposited {$3000.00} into the ATM. On XX/XX/year>, I received an email stating that my account would be automatically closed within 60 days, and any remaining funds would be sent to my address on file. On XX/XX/year>, a direct deposit of {$2100.00} was credited to my account. 

After waiting over a month, I received a check for {$2100.00}, but the remainder of my funds has not been returned. I have visited Citi branches multiple times, but representatives claim they can not assist me. When calling Citi 's Fraud Prevention Department, I am repeatedly told to wait 48 hours for updates, but no progress has been made. Or being informed that an investigation was conducted, and Citi determined I am not eligible for any additional funds, but they have not provided a written explanation. I am requesting the immediate return of my missing funds and a clear explanation of Citis decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX # CAPITAXXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Product: Debt collection

Received Letter dated XX/XX/XXXX from LAMONT , HANLEY & ASSOCIATES a debt collector for an alleged debt of {$230.00}. Original creditor is XXXX XXXX. First and foremost, this is a violation of XXXX and disclosure of my XXXX. Also, its a violation of my privacy per the Privacy Act of XXXX. Which was violated once XXXX XXXX shared any of my personal information with XXXX. Nor is there a contract between myself and LAMONT , HANLEY & ASSOCIATES. There are also other violations of Title 15 listed below : 1692b ( 2 ) False representation. All caps name, stating consumer owes debt ; 1692b ( 5 ) Using a symbol on any correspondence ; 1692c ( a ) Communication without prior consent ; 1692c ( b ) Communication w/ 3rd parties ; 1692d Harass and oppressive use of XXXX  about alleged debt ; 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt ; 1692e Using false, deceptive or misleading representations ; 1692e ( 2 ) ( A ) False Representation ; 1692e ( 10 ) False deceptive means to collect a debt ; Each of these violations carry {$1000.00} fine.
Product: Credit reporting or other personal consumer reports

Hey, XXXX XXXX settled with Santander over those predatory auto loans! New Jersey gets over {$3.00} XXXX plus loan forgiveness, and Santander 's changing its ways. It's a huge multi-state deal hundreds of millions total with {$65.00} XXXX in restitution and {$5.00} XXXX to the states. Plus, they're paying {$160.00} XXXX to settle that class-action lawsuit about the merger. XXXX ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) -- Santander Consumer USA XXXX XXXX has agreed to shell out {$160.00} XXXX put to rest stockholders ' consolidated class action challenging a {$2.00} XXXX minority squeeze-out merger, according to a stipulation filed Monday in XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I was blocked by TD Bank to transfer money to my XXXX checking account.
Product: Mortgage

My mortgage loan was transferred to them from XXXX ( XXXX XXXX XXXX ). Since XXXX XXXX, XXXX. 
I have been trying to contact them to know how I am going to make my mortgage payments. So far they have not answering my requests. I am afraid they will charge me late payments fees and who knows what else. My next due payment is XXXX XXXX, XXXX. I have not received any notification from them, any information about how to make payments. Frankly when you talk to them even to make payments they are so rude that I do not want to spend more time with them. I got the money to make my mortgage payment on time but I do not know where to send the payment and they do not collaborate. I want not to imagine what will happen when they realize that they have not received my payments. Surely they will start charging late fees and reporting me a past due payments and everything else that happen when you do not pay your mortgage.. It is not fair and somebody has to stop them of doing this kind of scams. Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Sir/Madam, I am writing to report an issue with the charges made to my account. 

On XX/XX/year>, I made a payment toward my credit with your company for the amount of {$210.00}. However, according to my account statement, this same amount was debited twice, once as an automatic payment and another manually. 

I am attaching evidence of both charges made to my account for the same amount. Additionally, on the day the issue occurred, I spoke with one of your representatives who informed me that, starting today, XX/XX/XXXX, I could request a refund for the extra payment made toward the credit. 

I would also like to mention that my XXXX language is XXXX, which has made it difficult to have fluent communication with your representatives during previous phone calls. For this reason, I am using this email as the most suitable way to communicate with you and resolve this issue. 

Furthermore, I must point out a recurrent problem I have encountered. As the payment due date approaches, I receive incessant calls, even though I am aware that I have a XXXX grace period after the due date and that my payments are set up for automatic withdrawal. However, when it comes to resolving the double charge issue, it has been impossible to get in touch with you. Since XX/XX/XXXX, I have sent messages through my account, and each time I call and request to speak in XXXX, my call is hung up on. This discriminatory and xenophobic behavior is unacceptable. 

I kindly request that you proceed with the refund of {$210.00} as soon as possible. I look forward to your prompt response and resolution. 

Thank you for your attention, and I remain available for any additional information you may need from me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to have this company remove an address that isnt associate with me. Ive been a victim of identity theft since XX/XX/2021 and Im asking for them to remove the address.the address thats on my bank statement that I attached is my address.
Product: Bank account or service

I opened a bank account with Citibank for a {$400.00} promotion after maintaining a deposit of {$15000.00} for XXXX 30 days ( promotion : XXXX ( XXXX ). The account was opened on XXXX, and I was informed by a customer service representative that the {$15000.00} deposit must be made by XXXX. I transferred {$15000.00} into the account on XXXX, after which I contacted Citibank to ensure that the deposit qualified for the promotion and received confirmation that it did. On XXXX, I called Citibank to check on the progress of the promotion. The representative informed me that my account qualified for the promotion and that it would be applied by the end of XXXX. On XXXX, I contacted Citibank again because the {$400.00} promotion was not applied. The representative said that I qualified for the promotion and met all the requirements, and she therefore opened an investigation. On XXXX I received a letter by mail from Citibank informing me that I did not qualify for the promotion. This is contrary to all other contact with Citibank representatives, and my money has been sitting in Citibank accounts waiting for a promotion under false pretenses.