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

While checking into the national multistate licensing system, I noticed XXXX XXXX XXXX is not licensed to collect in the XXXX XXXX XXXX  and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( XXXX XXXX XXXX XXXX ) After deletion I need an updated credit report.
Product: Credit card

I can not figure out who this is or how they got my information they sent a welcome email and there is no way to contact them I want to be opted out and removed from any system, card, etc that is fraudulently put on my credit or issued to me
Product: Mortgage

Our mortgage qualified for a XXXX forbearance and when we came out of the forbearance our account was sold to Flagstar. They immediately told us we could not make a payment and we needed to submit a loss mitigation form. We did that and were told that we needed to make XXXX payments of over $ XXXX each which we told them we could not afford. My husband is XXXX XXXX XXXX and XXXX every few months on a submarine. He was told that they would pause any movement on the account if he submitted his orders under the SCRA. We did that and were sent a denial and told we needed to pay the balance. We did not request to have the balance forgiven, we just did what they said in regards to pausing things. We have been given the run around by this bank, they told us that they had no record of our forbearance. I submitted a XXXX complaint and received a letter from the bank president stating our forbearance was extended to XX/XX/XXXX. But as of XXXX we were already in foreclosure and were told we can't make any payments. This again, was all happening while my husband was XXXX. We submitted a loss mitigation application and were denied because " the forbearance wasn't the result of a disaster '' and that we are not able to refinance. Our ONLY option is to give them $ XXXX or our house will be sold in 2 months. This is beyond predatory and I feel that the bank has made it impossible for us to keep our home. They limited what options we had and the few that we did they denied. I reached out to an attorney who immediately knew who Flagstar was and their history which includes the judgment against them for these exact practices in XXXX. I do not believe that they have changed or that they are following the law in regards to our case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX and they sold the contract to XXXX. XXXX then proceeded to unlawfully share my personal information with XXXX, Experian and XXXX. I reached out to XXXX in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Major Issue Reporting my information to Defense Counterintelligence and Security Agency XXXX XXXX XXXX  The Credit bureaus stated that my accounts were reported as accurate, modified, removed. Based off my Credit report from XXXX XXXX XXXX this proves to be untrue.

Clause of Article III of the Constitution : I have suffered injurious psychological damage that has come from financial hardship due to lost of employment rooting from Inaccurate reporting. Flagging my Security Clearance/ background check leading me to be terminated from multiple positions.

There are multiple Open dates, last date reported, the date last active, and the date last reported negligently inaccurate harming me as the consumer. I have already done multiple disputes, this time Im seeking Monetary relief for these mistakes costing me my job and reputation.

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 My next plan of action if All negative items arent deleted ( a ) IN GENERAL.

Any person who, while a minor, was a victim of a violation of section 1589, 1590, 1591, 2241 ( c ), 2242, 2243, 2251, 2251A, 2252, 2252A, 2260, 2421, 2422, or 2423 of this title and who suffers personal injury as a result of such violation, regardless of whether the injury occurred while such person was a minor, may sue in any appropriate United States District Court and shall recover the actual damages such person sustains or liquidated damages in the amount of {$150000.00}, and the cost of the action, including reasonable attorneys fees and other litigation costs reasonably incurred. The court may also award punitive damages and such other preliminary and equitable relief as the court determines to be appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have invested a collection account on my report three times and neither time did I receive the results of the investigation via electronic or mail correspondence. When calling into Equifax to determine the status of my investigation on XX/XX/XXXX, I spoke with XXXX, then to XXXX, then to XXXX, then back to XXXX, it was found that the account was verified paid by me. When asking XXXX how did they verify that I paid such account, she stated that Equifax had called and verified the information. I asked what documents were used to verify the information and was refused an answer. Then, come to find out, Equifax had my name incorrect on my report, even after Id disputed this information over a year prior to my call on XX/XX/XXXX.
Product: Credit reporting

My student loan account XXXX with a balance of XXXX has been corrected by my student loan company XXXX ( XXXX ) showing that I have never been late. However Experian is still showing them as late. I have contacted my lender and they said they have sent the correction twice to them in the last month and do n't understand why they have n't corrected it. This error has resulted in getting denied for a mortage and when I try to dispute it with Experian they stated that it was " previously disputed and leander came back verfied '' and thus will not investigate, however lender stated that they did n't verify anything and was never sent anything by Experian for a dispute. The lender stated that they have exhausted all their efforts to correct the error and its up to Experian to report it correctly. Experian refuses to look into the matter. I am filing this complaint as a last effort before filing in court for the damages of being denied a loan if they refuse to correct it at this point.
Product: Prepaid card

RUSHCARD - On XXXX XXXX, 2015, Rushcard underwent what they called a change of systems. The change was not to affect customers ; as of today, XXXX XXXX, 2015, 2 business weeks later, the problem still exist ; the inability to access my account. I have not been able to speak with any representative, and when I did, I was told they could n't get into the system either. I feel that an inside theft has occurred with customer funds, and someone walked away with XXXX dollars that did not belong to them. I feel as though XXXX are responsible. For the past 2 weeks all customers have heard are excuses, and we will see our funds in our account overnight ; well there have been a lot of overnights to pass by, and yet still nothing. Please help, many of us who are customers are Seniors receiving Social Security Funds, and our money is gone. Please help or direct me to whom I should contact regarding this problem. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged incorrect reporting but I still have inquires left that needed to be removed. I recently checked my updated personal credit report and I noticed that some unauthorized inquiries still remain on my personal credit report. I already contacted the company and asked them to remove their credit inquiries from my credit profile. I also once request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation has long been complete, and you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address provided : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance. This is my LAST NOTICE for you. Please REMOVE the ITEMS resulting from alleged incorrect reporting.
Product: Mortgage

In XX/XX/XXXX, I was discharged from a Chapter XXXX bankruptcy filed in XX/XX/XXXX. The reason I filed for a Chapter XXXX instead of Chapter XXXX bankruptcy was due to wanting to take all measures to keep my home. During the bankruptcy repayment period, my mortgage was sold to Nationstar. Upon the completion of the bankruptcy in XXXX, I contacted Nationstar to make sure that they had everything they needed in order for me to resume paying the mortgage now directly to Nationstar. During that call I was informed that they did not have record of me completing the bankruptcy and to call back later. I called XXXX more times during XXXX and XXXX, each time being told that they still did not have any record of me completing the bankruptcy and that I could not access the account online or receive statements. They told me that they could not give me any information because I was in bankruptcy. Nevertheless, I did begin to send them payments for the mortgage in the hopes that this would be resolved. 
To this date, I still have never received an account statement from Nationstar showing me what I owe overall or what my monthly payment should be or no record showing that the payments that I have sent have been applied to my principal loan amount. The last time that I called Nationstar stated that they would get notification on when I was out of bankruptcy and that they would be contacting me. On XXXX of the phone calls to Nationstar, they appeared to be very disorganized and told me that I had not being paying the mortgage and that I was in foreclosure. I called my attorney and his paralegal told me that Nationstar had approximately {$67000.00} in the trustees ' account that had not been collected or applied to my account. Due to the lack of communication and statements from Nationstar, I stopped sending payments as I had no idea where these payments were going or if they were even being applied to my account. 
On XX/XX/XXXX, I received a certified letter from Nationstar, stating that I am now {$22000.00} in arrears and I have until XXXX XXXX to cure this. Meanwhile, I still have yet to receive even XXXX statement from Nationstar showing my principal loan balance or any record of the status of my account. Upon receiving this letter I immediately contacted Nationstar to see what this was about and why I have not received any statements from them and their representative told me, " Yes, I see we are not sending you statements and I am not sure why. '' I want to pay my mortgage and provide a homestead for my family, but I do not have {$22000.00} in full to avoid foreclosure.
Product: Debt collection

On XX/XX/30 and XXXX, I have tried to explain to Capital One that they should be releasing Available Credit upon paying the balance. As of XXXX, I have closed the account with Capital One due to many different factors, one including employees in the XXXX who thought it was funny that I was requesting the available credit to be available. I could hear a subtle giggle after the employee put herself on mute and then unmuted herself. I don't appreciate all the level of mistreatment by these people and they should all be fired. 
I wish for no additional communication from Capital One. I'm disgusted with how they operate from a business perspective.
Product: Credit reporting

Applied for credit to refinance a loan but got denied due to credit management and I had been trying to build up my credit score for this reason it was going to help my family avoid interruption on our bills and keep us fed by lowering my payments but because of my identity being combined with my Son who is applying for Credit and getting denied, I was denied for loans to refinance. 
We have checked both of our credit reports and we have exactly the same report down to my car payment history which should not be any where near his credit! I just do n't understand how much one has to do to monitor your credit when you are supposed to be assured that its getting monitored already by Experian, it is supposed to have caught the errors and notified me, and is n't identifying a person identity supposed to be that verification of a identification making sure social security number matches the person? What kind of system is that?
Product: Mortgage

My loan was transferred to Right Path Loan Servicing on XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX. I was in a covid forbearance status when the loan was transferred. I am successor interest on the loan. I am on the deed and was from the day of purchase. I have been making monthly payments as scheduled. I have filled out the mortgage assistance application twice. The first time it was declined because they said it expired. I started the process again in XXXX as requested. They gave me a three month trial period to start in XXXX XXXX XXXXXXXX. Today I received a phone call stating it is declined due to I am not on the mortgage. XXXX XXXX tells me I am approved for a short sale! Wow on my primary home, that along representative 's have been telling me all is in place. Not to worry. Well now per there request I was told not to make a payment until XX/XX/XXXX. So not payment has been made XXXX and XXXX putting the loan further behind. XXXX XXXX advised me to reapply!?!?! Reapply on something that will not be approved because I am not on the mortgage?????? That would be wasting time with no results. I need an answer and direction on how to get the situation resolved on my primary home. They are XXXX XXXX with people 's homes with no hesitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Trans Union a dispute via Certified mail with return receipt that they received on XX/XX/2023. XXXX XXXX As you can see, it was sent from my hometown of XXXX  CT, from the post office on the same street that I live on. That being said, XX/XX/XXXX made 30 days and Trans Union had failed to complete the investigation into the disputed accounts on my consumer credit report. It is to my understanding that every account in question that they have failed to investigate now needs to be deleted from my consumer credit report. Attached will be the certified receipt that they did in deed receive the dispute and the copy of the letter I had sent them. I am aware I can now sue in a court of law for violations. If they would like to avoid that, then the accounts they failed to investigate within 30 days need to be deleted from my Trans Union consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a hard inquiry was reported on my credit report from Syncb/walmart and another was reported on XX/XX/XXXX from XXXX/XXXX. I have not applied for credit from either one of the companies. I contacted XXXX to inform them of the error and to ask them to remove the inquiry from my report. As of today, I have not received a reply/response from XXXX. Both of the inquiries were based out of XXXX, Florida. I do n't want to wait 2 years to have it dropped off of my credit report. 

I do n't have any additional information of these accounts to present to you, but I can just show you what is displayed on my credit report. 
XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Thank you for your assistance.
Product: Checking or savings account

Contacted Bank of American via phone and request to stop a payment order from XXXX XXXX  for {$590.00} due to the loan already been paid in full. The amount of {$590.00} was scheduled for payment on XX/XX/XXXX The transaction was still in processing on XX/XX/XXXX until the end of the day but Bank of America refused to stop the transaction. 
This was negligence of Bank of America since the request to stop the payment that was still in processing. 
I am a customer of Bank of American since XXXX and they should have at list respect my request.
Product: Credit card

I disputed the charge from XXXX Concepts for {$6000.00} on XX/XX/XXXX with citibank credit card because I did not make the purchase. The owner of XXXX sent me text messages stating that it was charged to the wrong customer and it was immediately reversed. Citibank charged my account and would not reverse the charge. I filed a dispute on XX/XX/XXXX sending them text messages between myself and the owner of pitch concepts. They resolved the dispute in the merchants favor and held me responsible. I forwarded them email from pitch concepts on XX/XX/XXXX showing again that the charge was a mistake and was reversed. Citibank still has not resolved the dispute despite saying on their website that it will be resolved at the latest by XX/XX/XXXX. They claimed that the merchant is disputing the charge when I have have spoken to pitch concepts multiple times who have said citi bank has not reached out to them. Citibank is claiming that the merchant is lying to me. Pitch concepts have even offered to wire me the money and they will follow up with Citibank so they have no reason to lie to me. I have contacted Citibank repeatedly in the past XXXX months and they keep saying theyre working on it. I have asked the citi banks rep for proof their correspondences with pitch concepts merchant processor ( stripe ) but have not received any documentation from them. The supervisor at Citibank told me on the phone today that Whenever you have give your credit card to a merchant, they can charge your credit card any time for any amount and essentially said they will continue to investigate and if the merchant is disputing it, then youre responsible even though there is clear evidence that I was wrongfully charged. They have said multiple times they require no more information from me yet still wont reverse the charge.
Product: Student loan

I have been struggling to pay over {$150000.00} in student debt to Navient which at the time I took the loans in XXXX was Navient. I believe that XXXX XXXX XXXX now Navient XXXX had my university XXXX University XXXX XXXX XXXX push private student loans as the secondary way to bridge the financial gap to pay for my education. Grants and scholarships were not promoted as much as private student loans, which I was left with the impression was the only way to pay for school. 

Since graduation XX/XX/XXXX I have had to declare bankruptcy ( student loans were not discharged ) and have had to deal with the unprofessional and mistrustful corporation for the last decade. In the last 10 years I have never been given the same information twice from customer service reps. I have been told crazy things such as, " do n't worry someone paid your loan off '' and promised low payment plans to " help '' when all they do is compound insane amounts of interest and fees. I have paid over {$50000.00} to XXXX XXXX / Navient but my loans have still ballooned from {$130000.00} to {$150000.00}, making no headway. 

Their XXXX number is outsourced to another country. The employees do not know what they are talking about and are hard to understand their broken XXXX. They charge a {$14.00} service fee to take a payment over the phone with the debt card, even though if you contact their collections department, based in the US, they do not charge a fee at all. The wait times are long and the phone system loops yous around and around. It is not uncommon to spend 45 minutes on the phone just to make a payment or resolve an issue. 

I have had payments meant for Federal loans be applied to Private loans and have had Federal loans go into 30-60 month passed due because of this. Recently, I asked for a total tally of how much I have paid them in total XX/XX/XXXX and no one can provide that info to me. I was told they do n't have that information. That 's impossible. I was told online through a customer service email that I could look it up online but when I searched the query, it said " Error - can not process ''. Deceit, lies, untrust are the words that come to mind when I think of Navient. 

No way out, no way to refinance it, struggling. Need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't apply for these accounts these accounts are fraudulent and I would like them removed.
Product: Credit reporting or other personal consumer reports

This company is reporting that I have a 30 day late payment I contacted the company and asked them for proof of late payment they can not provide that also this account was set up on autopay and was paid on time in full they can not provide any proof of late payment but they are reporting this on my credit report that is negatively affecting my credit I also submitted a dispute with the credit bureaus and it came back as updated I reviewed the information and nothing has changed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX, # XXXXXXXX XXXX XXXXt # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to Trans Union, XXXX XXXXis in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.