23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
Equifax Mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed XXXX {$9000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Mortgage

Hi, I'm making consumer finaince complaint today about my current mortgage lender ( freedom mortgage ). I've had this loan since XXXX of XXXX. I received a phone call from a loan officer in early XXXX of XXXX. The Loan officer informed me that under Bidens administration there's a plan to cover all refinance fees under FHA loans to help Americans with their home loans and to lower interests rates. However, this was all just a sales pitch and was super deceptive. We went to close numerous times since that phone call 7 months ago and between the lies, false promises, underwriting, and closing. Nothing has added up. Several times we was informed we had to close on the day of scheduled closing date that we didn't know was scheduled. We also never received documents before hand to know what the new loan would look like several times and the numbers was never as promised when we did look at the paperwork. After we realized that wed be refinancing the house wit would roughly end up paying XXXX in closing costs, plus cash to close, plus first payment within thirty days. That we would be refinancing our house for the same overall price as what we purchased the house for 2 years ago. That also never seemed to add up giving the fact that our amortization schedule was computing it's generated numbers in itself and didn't match up. I've also paid extra payments and more towards principal each month to support that fact. I have been given the run around so much that I'm absolutely sick of trying to deal with this company altogether. I feel like they have a good scheme going on and its essentially stealing a tremendous amount of wealth.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, Comenity Bank/LNBRYANT  and XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

we are in the midst 0f the most horriffic times, COVID19, I have lost my job indefinate. I have asked for deferrment or forebearence, they are not receptive Aand seeem as if it is my fault for no Job, seems as if I recall an order being signed STAY HOME SOCIAL DISTANCING. I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers especially the high risk and elderly do not and have said Not to enter our home, when you subcontract off a contractor, you dont have a choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX is still reporting XXXX XXXX XXXX XXXX XXXX on my credit report
Product: Debt collection

In 2008 My XXXX son left for college at university XXXX. We rented him an apartment at XXXX XXXX XXXX XXXX XXXX. He was a XXXX so I rented the apartment I my name. # months int the lease they stopped him on the way in and advised him that he was required to sign an addendum to the lease or his rent would go up. He was hesitant but they bullied him into signing. He moved out at the end of the XXXX year as scheduled. 
Now they are reporting to both my and his credit that we owe {$6100.00} for a defaulted lease. I called them and they said that because he signed the addendum he agreed to extend the lease for another year. 
First of all, he was not authorized to sign an addendum as he was a XXXX and was not the lessee, but the sublet. Second, They have been actively trying to collect on this for XXXX years even though I have repeatedly advised them that it is not a valid debt. I still receive aggressive collection calls on this. Third, he is unable to secure Student financial aid as a result and he is in his XXXX year of XXXX school. 
Please advise the steps I must take to eliminate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group keeps putting new collections on my credit report when I already have payment arrangements with them. 
For one these shouldn't have went to collections, they were to be paid by insurance, so I am fixing this. Secondly I am making payments in an arrangement with you guys even though I shouldn't be because insurance should pay it ... But Im doing my part so I don't know why they keep putting new items on and I have not even got notices for them. 
I mean honestly. Im trying my hardest, to resolve this and this is unfair
Product: Credit card or prepaid card

Hello this account was opened in   XXXX   in  XXXX   XXXX  I live in  XXXX . This person opened this account was not me
Product: Student loan

I requested that a complete record of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program from my current loan servicing company, FedLoan Servicing in XX/XX/XXXX. I received a document initially stating that XXXX XXXX had records of 42 eligible payments out of the 120 required payments, which I believed to be inaccurate. XXXX XXXX conducted an audit, including reviewing records from my previous loan servicers. XXXX XXXX concluded that none of the payments I made from XX/XX/XXXX through XX/XX/XXXX were considered qualifying repayments because I was on the " Consolidation Standard '' repayment schedule ( and my loans were serviced by other companies ). It was not until I switched to the IBR -- and over to XXXX XXXX as my loan servicing company -- that XXXX counted my payments towards the PSLF repayment schedule. I was also informed that my repayments were not qualifying under PSLF because I was on the " Consolidation Standard '' repayment schedule and not the " Permanent Standard '' repayment plan -- of which I did not realize there was any distinction at the time I switched my loans over to participate in the PSLF program. 

When PSLF was first announced, I immediately took steps to participate in a Direct Loan Program repayment plan and moved my loan servicer from a private, non-profit company to one that was affiliated with the Department of Education. The information I reviewed, and the companies that serviced my loan at the time ( XXXX XXXX XXXX and then XXXX, which are no longer in existence ), confirmed that my repayment plan was one which would go towards PSLF because I was on a " Standard Plan. '' I was led to believe that my payments either satisfied the repayment criteria as a " Standard Repayment Plan with a 10-year repayment period '' OR " Any other Direct Loan Program repayment plan, but only payments that are at least equal to the monthly payment amount that would have been required under the Standard Repayment Plan with a 10-year repayment period may be counted toward the required 120 payments. '' This was further underscored when I was eventually placed on the " IBR Plan '' and my monthly payment amounts decreased. I also timely submitted my public service employer certification information when I first began participating in PSLF and was never informed until XX/XX/XXXX that my initial payments under the Consolidation Standard plan do not qualify as eligible repayments under PSLF.
Product: Mortgage

Rocket Mortgage has been harrassing me with constant calls to refinance my house. I have had more than 4 calls in 3 days and eventually I answered in the desire to stop the harassment. Unfortunately, the mortgage banker I spoke with, XXXX, was a high-pressure mortgage banker and he tried to pressure me into a decision immediately. When I mentioned that I would discuss it w my financial partner he asked me if I was confident that it would be the right decision trying to emasculate me and pressure me into refinancing even though it was at a higher rate with little benefit to me the borrower. The gravest part of my complaint is that he asked about exploring the options for a refinance but did not indicate he would do a credit inquiry that would damage my credit score. He was deceptive, rude, and unprofessional. I contacted Rocket Mortgage to file a complaint and ask that I stop receiving marketing calls. The representative removed me from marketing calls but indicated that the credit inquiry was valid despite me not receiving the information that the credit inquiry was a hard hit to my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND DEPT OF ED/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 my 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 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 21 days before the payment due date. 

XXXX XXXX XXXX AND DEPT OF ED/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 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX I XXXX XXXX looked at my TransUnion credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Student loan

Requested ~ {$21000.00} payment refund from EdFinancial on the end of XXXX to refund some funds prior to forgiveness in order to maximize the plan put in place by Biden. I qualify for XXXX XXXX forgiveness. 

*Was told by the representative that the processing time of the refund has no time frame and they cant check on my refund being processed This may land the refund after the possible forgiveness timeline and me not being able to maximize the Biden forgiveness plan making it to where other debts then cant be paid. 

* Also, I will not be receiving any confirmations, so I have to call to check up on it. Also it does not reflect that i have even requested a refund of the XXXX I paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to XXXX, Experian and XXXX since XX/XX/2021.
Product: Debt collection

XX/XX/year>XXXX  account was charged off and didnt receive any necessary documents
Product: Credit reporting or other personal consumer reports

I was alerted during the month of XX/XX/XXXX, saying my information was being shared or exposed, but when I tried to contact the company when I discovered the issue, nothing was resolved. Due to that, they reported the closed account due to the XXXXXXXX XXXX request, I told them in my report that I had charges that I do not recall on my account. The account has been previously deleted and reappeared on XX/XX/XXXX. Because of this, my Credit Score has been deducted, and I am extremely unhappy.
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 violated the customer financial protection Act ( XXXX ). Specifically Cash-App failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did 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 redress for these violations.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX with whom I pay my car note through, I have contacted XXXX XXXXXXXX in reference to 2 credit cards, and I have contacted XXXXXXXX XXXX for my 3rd credit cards and all 3 creditors have advised me that information was sent over to all 3 credit bureaus to update my file to reflect what should be current. I reached out to Transunion about this and initially the representative stated he would file a dispute because they haven't received anything. I told him I didn't need a dispute and that it sounded like a glitch on their end with updating my file. There is no way 3 creditors would tell me the same thing and when I go check my XXXX and XXXX report it is showing updated for my 3 credit cards and my car note for what I have paid most recently. Then the representative stated he would place a comment on my credit file and I told the representative I am not giving anyone permission to place a note on my credit report when all Transunion needs to do is find out why they haven't updated my credit report to reflect what is accurate. It was after the fact I told the representative that I was filing a complaint that he stated they would look into the situation further. Please require Transunion to investigate what their issue is.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE.   XXXX   HAS ALREADY CORRECTED AND DELETED. TRANSUNION AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVA DA )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )    XXXX   XXXX    (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM TRANSUNION AND   XXXX  . AND   XXXX   XXXX   FROM  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following : XXXX XXXX XXXX  - account ending in # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 15 U.S.C 1681 section 602 A states : I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I filed chapter XXXX bankruptcy and was discharged in XXXX, 2017. Since then, I have made numerous calls to my mortgage company- Fay Servicing , LLC and have not arrived at any solution. Each time, I have been given different information from by loan managers, not the initial loan amount nor the principal balance has ever been consistent. I 've been making payments since XX/XX/XXXX to the address that the bankruptcy court was sending their payments and now the payment has been returned as undeliverable. The manager assigned to the loan makes promises to take action or send the information to another department to get results ( this is on a day that Im able to reach him ) yet, he never calls back. All I need is initial loan amount, principal, payments that have been applied to the loan since bankruptcy and after bankruptcy. 

This is stressful and making me ill to know that since the court has discharged the bankruptcy and close to 80K later that was paid during bankruptcy to this company over 5 years, yet no one can account for it almost 6 months later. I feel that I am being scammed by this company. Fay Servicing , LLC wants us to either a : continue to make payments without any idea of our loan balance or even the initial loan amount was when the loan was transferred to them : b : that we do not figure out current balance is, or what was paid in bankruptcy and continue to pay at the high interest rate of 8.5 %. c : I filed chapter XXXX bankruptcy and was discharged in XXXX 2017. Since then, I have made numerous calls to Fay Servicing , LLC and have not arrived at any solution. Each time, I have been given different information from by loan managers, not the initial loan amount nor the principal balance has ever been consistent. I 've been making payments to the address that the bankruptcy courts was sending the payments and now that last payment has been returned as undeliverable. The manager assigned to the loan makes promises to take action or send the information to another department to get results ( this is on a day that Im able to reach him ) yet, he never calls back.
This is stressful and making me ill to know that since the court has discharged the bankruptcy and close to 80K was paid during bankruptcy to this company and no one can account for it almost 6 months later. I feel that I am being scammed by this company. Fay Servicing , LLC wants us to either a : continue to make payments without any idea of our loan balance or even the initial loan amount was when the loan was transferred to them : b : that we do not figure out current balance is, or what was paid in bankruptcy and continue to pay at the high interest rate of 8.5 %. If Fay Servicing , LLC frustrates a customers enough, makes a mess of their account and the consumer stops paying, the house goes into foreclosure and they still make money, especially in my case where a large chunk of the loan is already paid off. PLEASE HELP! Fay Servicing , LLC is taking advantage me and so many others ( based on the complaints ). PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I requests CORRECTION OF THE INCORRECT NAME ON CREDIT FILE, AND THEY HAVE YET TO UPDATE MY FILE WITH THE ACCURACY OF MY CORRECT NAME AMONGST MY ENTIRE FILE, SOME HOW THE REPORTS CAN NOT BE GENERated on free annual credit report or through any other reporting agency because my name does not match, as of XX/XX/year>. 
( CFPB complaint reference XXXX )