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

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX and XXXX AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term " consumer report " does not include - does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report 15 USC1666B ; A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for the purpose
Product: Consumer Loan

I took out a Loan with XXXX XXXX in XXXX XXXX with a credit Limit of XXXX dollars. I paid faithfully until XXXX when the entire company disappeared. During the entire payment cycle with XXXX the principle somehow never went down. I paid at least a hundred a month for 4 years and they would credit it late or tack on some fee. It was horrible. I heard nothing from these thieves and without a place to pay, I just quit figuring that they would eventually tell me if I owed them. XX/XX/XXXX, I was contacted by a business called Springleaf Financial Service of XXXX IN and was told that they had been looking for me and mailing me offers to settle. This was absolutely not true. I have lived in the same house since XX/XX/XXXX and my contact information has n't changed except for my work phone number since that time. The collection person said that they had purchased the loan from XXXX. I told the collection person that I did not conduct business on my phone and had no idea who they were. I said if you believe I am the correct XXXX XXXX send me something that proves your claim. Springleaf Financial sent me a copy of the XX/XX/XXXX Loan Agreement. Nothing else! No Balance no payment history no balance? I do not know my rights and frankly I am afraid to deal at all with this company. The scariest part is that this revolving loan has a home equity attachment. Please help.
Product: Debt collection

they have called me, emailed me numerous times trying to collect the debt. They have sent me letters stating that they we're suing if i did not pay
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.
Product: Credit reporting or other personal consumer reports

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Product: Credit reporting or other personal consumer reports

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by XXXX during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to XXXX or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer XXXX or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 


What Is the Covered Period? 

The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of XXXX  days after enactment of the XXXX XXXX or XXXX  days after the end of the national state of emergency declaration. The XXXX national emergency declaration is scheduled to end on XX/XX/XXXX. 

So, these credit limitations and protections under the XXXX XXXX will expire on XX/XX/XXXX.
Product: Student loan

AES Success mishandled my loans in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and consolidated all of my lower interest loans into XXXX higher interest rate loan. 

AES Success also never removed late fees and penalties on my loans after consolidation. 

AES Success capitalized late fees, penalties and interest on interest into the higher interest rate consolidation. 

AES Success also failed to properly account for principal paydowns in years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, when I made multiple payments, most of which were directed toward reducing the principal balance. 

I suspect that my current loan balance is overstated by {$4000.00} to {$5000.00} because of too-high interest expense, because of penalties and fees that were capitalized and because of fraudulent calculation of principal and interest payments. 

I request that the CFPB conduct a comprehensive audit of my student loan accounts with AES Success. I first want my interest rate on the consolidated loan to be changed back to the lower rate initially offered to me by AES Success. My consolidated loan 's interest rate is at least 1 % too high. My rate should be much lower!!! 

AES Success mishandled, misadvised and fraudulently handled my student loan application. I have paid dearly for their unprofessionalism. 

I also want a comprehensive audit to calculate all of the late fees, penalties and interest that accrued on my loans prior to consolidation. I want all of the fees and penalties removed, since they were the result of AES Success ' mishandling. 

Lastly, I want a comprehensive audit to calculate the proper amount of principal reductions that should have occurred in periods where I made multiple payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in 4 days. The credit agencies have failed to respond to my request.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate rectify for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX  DATE ASSIGNED : XXXX, 2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going on a uphill battle with Experian about fraudulent accounts and fraudulent hard inquiries on my credit reports for years now and I'm beyond frustrated with this matter I need this issue to get resolved like ASAP I contacted Experian and spoke with a rep the rep said to me that Experian will not remove these fraudulent accounts and fraudulent hard inquiries off my credit report because I didn't have a freeze on my report with Experian I've never heard of anything like this ever I'm moving forward with this complaint because this fraud has hurt my credit standing tremendously thank you for your help in this matter
Product: Mortgage

Quicken Loans seriously XXXX my escrow account. My mortgage payment was lowered from {$630.00} to {$610.00} XX/XX/XXXX and was given a check for {$1300.00} in overage from my account. i received the new analysis today and i am $ -XXXX short in my escrow and they want to raise my payment to {$840.00} to cover their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute out to XXXX, XXXX, and XXXX that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I have a few hard inquiries on my report that are not from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCHRONY FINANCIAL XXXX
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 XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Pioneer credit recovery Is a company I have never contracted with. now they are stating I owe them money which is a lie I have never contracted with them so there is no money owed to them
Product: Mortgage

We purchased our home in XX/XX/XXXX. We have a conventional loan through InterLinc Mortgage. Shortly after the purchase of our home ( approximately 2-3 months ) I filed our homestead exemption with our local county. 

Our mortgage from XXXX XXXX XX/XX/XXXX was {$1400.00}. In XX/XX/XXXX we received notice that our mortgage was going to increase to {$1800.00} which was due to a substantial increase in our property taxes. On XX/XX/XXXX I contacted InterLinc Mortgage about the issue. They advised me to send in proof of my homestead exemption as it appears that the increase in the monthly mortgage payment was due to their estimated increase in my property taxes. On XX/XX/XXXX i emailed them proof of my homestead exemption. InterLinc advised me they received the document and would send it to the research department to adjust my mortgage to reflect the correct amount as my homestead exemption was filed timely. 

I continued to call InterLinc Mortgage approximately 15 times speaking with various customer service representatives between XXXX XXXX XX/XX/XXXX. Each assured me that they were working on my account and they had all the information they needed to correct my mortgage amount. On XX/XX/XXXX I spoke with another representative that advised me that they did not have all the information that they needed and that they needed my tax bill for XXXX to correct my mortgage. Obviously this was frustrating since I spoke with several customer service reps and nobody advised me until almost 2 months later that they needed additional information. By this time we have already paid the incorrect increased mortgage of {$1800.00} for 2 months. On XX/XX/XXXX I left work, went down to the court house and obtained my XXXX property tax statement showing my estimated property taxes would be {$2000.00}. InterLinc Mortgage claimed the property taxes I would owe in XXXX was {$3800.00}. I contacted InterLinc Mortgage again last week. She advised that they have the documents and that the analysis department was reviewing them. She then advised me that after the analysis department reviews the document, calculates what my mortgage should be, it would take 2 MONTHS for them to adjust my mortgage and charge me the correct amount. InterLinc Mortgage has had all the necessary documentation to adjust my mortgage to the correct amount and they are either incapable or unwilling to do so in a timely manner. I demand that InterLinc adjust my mortgage to the correct amount which is something closer to what I was originally paying and refund me for the increased mortgage I have been paying for the past few months.
Product: Mortgage

On XXXX XXXX, 2015, I called Network Capital to get a rate quote on an investor 15 year fixed-rate refinance mortgage loan on a residential townhouse that I am currently renting out. I stated up-front that I needed a quote on an investor loan refinance. The loan officer informed me that the range of interest rates of 15 year fixed-rate investor loan refinances is between 2.875 % - 3.25 % depending on LTV and credit score. Based on that representation, I proceeded to provide the loan officer with my information on the address of the property, the size of the loan, my salary, the fair market value, etc. He then stated that, since the LTV is at 60 %, I would be able to obtain the best financing at 2.875 % if my credit score is high. I assured him that my credit score is high and that I just want a quote. He said that he can not proceed with providing me a rate quote unless I provide him with authorization to pull my credit. I did not want my credit pulled, but with his representations that he provided that I would get the best financing at 2.875 % if my credit score is indeed high, I gave his the authorization to pull my credit. 
Upon pulling my credit, he determined that I have a high credit score. However, he then informed me that, since this is an investor loan, Network Capital will only provide an interest rate of 3.75 %. This interest rate is not the 2.875 % that the loan officer represented was available for those investor refinance applicants with a 60 % LTV and a high credit score. The 3.75 % interest rate is even beyond the interest rate range that he initially represented was available to investor refinance applicants at the start of the conversation. I would never have proceeded with the conversation and provided my personal information had I known that Network Capital was going to quote me an interest rate at 3.75 %. Further, I would never have authorized Network Capital to pull my credit had I known that the 2.875 % was not a real number for a 15 year fixed rate investor loan refinance. Dangling a phony teaser interest rate in order to induce me to apply for a loan and pull my credit is a clear Unfair, Deceptive and Abusive Act or Practice ( UDAAP ). In addition, I did not authorize Network Capital to pull my credit for a 3.75 % rate quote. That authorization, induced by a bait and switch, was invalid and pulling my credit report was thus contrary to the requirements of the Fair Credit Reporting Act. 
Further, the loan officer stated that Network Capital has a guarantee that it will beat any competitor 's rate quote. Accordingly, I sent the loan officer a GFE from a competitor on the same loan terms at 3.375 %. However, Network Capital failed to honor its rate guarantee by offering me a better rate or even the same rate as this competitor. Clearly, the advertised rate guarantee is phony in violation of UDAAP. 
Lastly, Network Capital never sent me a GFE on the application that I was fraudulently induced to submit. This failure to send me a GFE is in violation of TILA and RESPA.
Product: Credit reporting or other personal consumer reports

I have encountered issues with the XXXX XXXX XXXX XXXX XXXX assuming fraudulent activity my accounts, leading to the repossession of my vehicle and restrictions on all account activities and filing criminal charges. Despite the dismissal of the criminal case, XXXX XXXX XXXX XXXX XXXX have continued to report late payments as if I defaulted, which I contend is inaccurate since I was current on all accounts prior to their actions. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers of information, like XXXX XXXX XXXX XXXX XXXX, are required to ensure the accuracy of the information they report. I disputed the accounts and provided the court documents as evidence, but the agencies ignored. Agencies must investigate and correct any inaccuracies found. Being restricted from making payments and defaulting are two different things and must be accurately reported.