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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Submitting as well to the AG and XXXX since Experian seems to not want to move on this complaint!

I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. 
They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 

You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$2500.00} XXXX XXXX ACCT : XXXX AMT : {$3500.00} XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XXXX
Product: Mortgage

Back in XXXX I filed a complaint with Suntrust Mortgage regarding our house in XXXX XXXX SD. In which i got a response and submitted the required documentation needed to foreclose the house. I had a lady email me and said thanks we will start the forclosure process this was in XXXX. We have been in contact with our case manager at Suntrust and nothing has been done. She did n't even have the documentation that I had submitted. This company has been anything but helpful. We get nonstop calls nobody knows what the other person is doing. Seems to be in complete disarray and we are the ones that are getting belittled by this company. Something needs to get done. Thanks
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX and the 3 Credit Bureaus have violated several of my rights under FCRA 609 ( Inaccurate Reporting ) FCRA 616 ( Willful Noncompliance ) - FCRA 1681i ( Failure to Investigate Accurately ) - Additional violations : Chain of Title issues, proof of securitization, lack of verification, first date of delinquency, last payment amount, and written consent. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete reporting of my credit information. This contain inaccuracies, including unverified late payments, and non-permissible purpose Statement of Fact - Permissible Purpose & FCRA Section 605 ( b ) : Under 15 U.S. Code Section 1681c-2 ( a ), the law mandates that a consumer reporting agency shall block and delete information resulting from identity theft within four business days, provided the information meets the requirements. I request the immediate removal of the following accounts during your investigation. Any attempt to rescind or stall my request to block this information, or any response stating a rescind clause under FCRA 605 ( b ), will be seen as evidence of willful non-compliance with the FCRA. 

Further Discrepancies - Late Payments : I have identified late payments that have not been fully verified as required by XXXX XXXX compliance standards. Failure to provide this specific documentation renders these late payments unverifiable. As such, they must be removed from my credit report, as they do not meet the requirements under FCRA for accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to Specialized Loan Servicing ( SLS ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and SLS, even though we paid as agreed to new loan servicer SLS. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and SLS and have had no success in correcting this information. SLS has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 XX/XX/year> 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX 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 21 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: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to Experian on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXX Collection Services XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )
Product: Credit card or prepaid card

I have 2 Cap one cards - only because 1 of them used to be a household credit card of which Cap one took over. This household cc had an annual fee. Once it was taken over by Cap one, I had called and asked that it be converted to a no fee card or to close the account. This was many years ago. Cap One said they could not convert it to a no fee card due however, I could call and ask that the fee be waived once billed each year. If this had not been presented to me as an option, i would have closed the card years ago. So every year I call and ask for the fee to be waived and now, this card has been open a long time and I do not want to lose the history of this card. I called on XX/XX/XXXX and XX/XX/XXXX to ask for this fee to be waived and they are stating they are unable to waive the fee and on XX/XX/XXXX suddenly there is an option to convert to a no fee card however, I would still need to pay this fee. I asked if they would waive this fee and convert me to a no fee card but they refused. At this point I am ready to close both of my accounts. I keep them only for the history and for emergency purposes. I have always been a good customer with no late payments. The agents are ready to close my account instead of waiving my {$39.00} late fee. The agent today ( XX/XX/XXXX ) didn't even seem to care and did not offer my the conversation or counter with any benefits. I work at Citi in our complaint management group. I have been with Citi for 30yrs and yet I still choose the Cap one card. I understand complaints and understand options that can be given to customers. I understand service excellence and pretty much everything about Credit Cards. The service I feel that I received both on XX/XX/XXXX and XX/XX/XXXX makes me feel like I am NOT a valued cardmember and I am ready to close BOTH accounts with Cap One. Please review and let me know if there is anything you can do to assist. I am willing to accept the conversation to a no fee card but also then want this fee waived if I am converted to a no fee card. It would make 0 sense for me to pay this fee for benefits that I would no longer have because I would be converting. Help me understand that LOGIC!
Product: Student loan

I am doing an internal review of my graduate student loans and have found that Navient increased my student loan amount through capitalized interest in the amount over {$20000.00} duringa span of 3 years. During this time frame I just graduated school ( XX/XX/XXXX ) and was unemployed until XX/XX/XXXX. I was also not advised of the alternative programs which could of benefited me. My XXXX in XX/XX/XXXX relfected wages of approximately {$18000.00} During the time frame I do not believe Navient had the consumers best interest in heart in mind when dealing with the most economical approach to advise customers against forbearance and deferment. The practices have resulted in my total loan increase over {$21000.00} which I am still struggling to pay off with additional expenses. 

One capitalized interest charge in my account is over {$8000.00}. 

Navient was not transparent in informing me the costs would balloon my student loan payments in excess of {$20000.00} added to the principle. 

My loans under the XXXX XXXX XXXX were as followed : {$26000.00} {$5200.00} {$12000.00} Total amount {$44000.00} : Consolidated to a new vendor : XX/XX/XXXX - payment made XXXX
Product: Credit reporting or other personal consumer reports

The account was closed on XX/XX/XXXX, and should not have been reopened on XX/XX/XXXX.
Product: Debt collection

I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO ZERO THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/2023 Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX, Equifax refuses to provide an online credit report and instead requires the individual to go through the US Mail to request a credit report. 
There's no technical reason for subjecting a person to this inconvenience in order to obtain their own information, as required by federal law.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX and received payment via PayPal. The item was a {$100.00} XXXX XXXX Gift Card. I received payment ( after fees ) of {$94.00} via PayPal and was able to transfer that into my bank account. 

A couple of hours after I receive payment and transfer the money to my bank account, I deliver the gift card digitally via a message to the buyer on XXXX. A couple of hours after that, the buyer opens a dispute on PayPal stating that the transaction was unauthorized. 

I am given a chance by PayPal to provide information about the purchase. I give them documentation showing the delivery of the gift card and that the gift card was redeemed. PayPal closes the dispute in favor of the buyer, and refunds them their purchase. Now they want to collect {$98.00} from me without the buyer returning the merchandise that was delivered. Not only is {$98.00} more than I received from the claim, but they are not even requiring the buyer to return the merchandise.
Product: Money transfer, virtual currency, or money service

YOUR COMPLAINT Consumer Financial Protection Circulars are issued to all parties with authority to enforce federal consumer financial law. The Consumer Financial Protection Bureau ( CFPB ) is the principal federal regulator responsible for administering federal consumer financial law, see 12 U.S.C. 5511, including the Consumer Financial Protection Acts prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), and 18 other enumerated consumer laws, 12 U.S.C. 5481 ( 12 ). However, these laws are also enforced by state attorneys general and state regulators, 12 U.S.C. 5552, and prudential regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. See, e.g., 12 U.S.C. 5516 ( d ), 5581 ( c ) ( XXXX ) ( exclusive enforcement authority for banks and credit unions with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Some federal consumer financial laws are also enforceable by other federal agencies, including the Department of Justice and the Federal Trade Commission, the Farm Credit Administration, the Department of Transportation, and the Department of Agriculture. In addition, some of these laws provide for private enforcement. Consumer Financial Protection Circulars are intended to promote consistency in approach across the various enforcement agencies and parties, pursuant to the CFPBs statutory objective to ensure federal consumer financial law is enforced consistently. 12 U.S.C. 5511 ( b ) ( 4 ). Consumer Financial Protection Circulars are also intended to provide transparency to partner agencies regarding the CFPBs intended approach when cooperating in enforcement actions. See, e.g., 12 U.S.C. 5552 ( b ) ( consultation with CFPB by state attorneys general and regulators ) ; 12 U.S.C. 5562 ( a ) ( joint investigatory work between CFPB and other agencies ). Consumer Financial Protection Circulars are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553 ( b ). They provide background information about applicable law, articulate considerations relevant to the Bureau 's exercise of its authorities, and, in the interest of maintaining consistency, advise other parties with authority to enforce federal consumer financial law. They do not restrict the Bureaus exercise of its authorities, impose any legal requirements on external parties, or create or confer any rights on external parties that could be enforceable in any administrative or civil proceeding. The CFPB Director is instructing CFPB staff as described herein, and the CFPB will then make final decisions on individual matters based on an assessment of the factual record, applicable law, and factors relevant to prosecutorial discretion. 

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Product: Debt collection

In 2020 I had my wallet stolen and months later it was brought to my attention that there was a XXXX XXXX in my name so I called them and explained that there was no way that I opened this account and that some one use my information to open it and that it needs to be close immediately the company said that they would look into it 5 months later I was still getting a bill so year later it shows up on my credit report so I call them experien and tell them there is a account on my credit report I don't recognize and that it was open through fraud and they connected me to the fraud department and after hour long talk they said they would investigate it and 2 years later it still on my credit the credit agency doesn't take people 's credit accounts seriously and they should pay for violation of fair credit credit act experien does not deliver
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

I have asked for correct name to be only name on reporting. If another name is used that has cause fraudulent disruption on my credit and my accounts. I have reported on several occasions and been brushed off. If company can not keep correct information not third party. 
I will have an attorney file charges against credit bureau for actively committing fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Student loan

I had a loan with XXXX now Navient close to 10 years. I never missed a payment for the entire time. They raised my payments and did n't notify or inform me they were going to do that. My payments were on autopay from the bank and were paid on time every month. When I finally figured out they raise my payments, it was too late and they put it on my credit as me being late! Once I found out, I paid the loan off in full. I do n't pay stuff late and they have affected my credit score severely! I 've called and they will not work with me on it, or remove the late payments! These people are crooks and want to keep young people in debt for life!
Product: Student loan

On XX/XX/XXXX, I submitted a request for review of 12 payments that have been marked " ineligible '' and not counted towards my Public Service Loan Forgiveness program. However, the twelve ( 12 ) payments are eligible and I made the payments, but Fed Loan Servicing has continued to tell me that the payments are " under review '' for OVER A YEAR now. 
These payments were paid by myself, the borrower, toXX/XX/XXXXwhich is no longer in existance, so the records are with the Department of Education, and are from the following dates : XXXX through XXXX of XXXX ( 9 payments ), XXXX and XXXX of XXXX ( 2 payments ). One last payment from XX/XX/XXXX ( 1 payment ) was serviced and received by Fed Loan Servicing but they have not confirmed that because they explained they have to do " all of the payment reviews together. '' I should already be eligible to receive my public service loan forgiveness with these 12 eligible payments that they are not giving me credit for, nor even given an answer in OVER A YEAR. 
I am paying on a loan program that should have been forgiven by now, and I would like at least an answer instead of they are " still under review. '' I have called and spoken to several agents over the course of this year, and today I spoke with three separate agents, having to explain the situation each time. While they were courteous, they told me they could not help me and didn't have any further information. Nor am I able to actually speak with or contact the department of Fed Loan Servicing that is actually doing the " investigation '' and " review '' of my 12 payments that are under review.