23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX INT : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The debt was remove now back on report for what reason I dont m ow it not mines.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

Attending a Military school in XXXX can be costly, and at the time private loans were my only option into the school back in XX/XX/XXXX. I signed up with XXXX with a co-signer in XX/XX/XXXX when my financial aid could no longer aid me in returning back to school for the XX/XX/XXXX Fall semester. XXXX gladly help and thus i was able to resume my studies. By XX/XX/XXXX, I had to leave school due to being unable to join any arm forces due to a XXXX. I returned back home to XXXX and enrolled in a local school. By now, all my loans were being deferred since I was in school, only paying the bare min of the interest a month. I took a semester off in XX/XX/XXXX and planned to return in XX/XX/XXXX. After a 6 month period, XXXX hit me with my first repayment bill in XX/XX/XXXX. Only making min wage, I was unable to make the payments. No offer was made to me nor was I asked to fill out any form so that the monthly payments can be adjusted to my min. wage income. I had to ask for it and even then it was going no where. I was offered a 3 month period of total deferment. With interest climbing ever so high, all unaware to me. I was unable to take any more loans during that period and so returning to school was out of the question. I can honestly say, it has been a rough one year since XX/XX/XXXX with the over the top monthly charges. I was fortunate enough to get family support but it had to come at a price of struggling. XXXX, now Navient, never sought to accommodate to a adjustable monthly payment that would match my income at the time. I had just recently graduated college with a degree and on to further studies, manged to land a job at the hospital with a promising future. My biggest worry is XXXX unwillingness to accommodate to my income and therefore prevent me from moving on with my adult life. I have read many stories regarding XXXX loan borrowers and their struggles in repayment. I tried researching any legitimate repayment programs that can help but unfortunately private loans are not as easily helped as with federal. Thank you for your time.
Product: Mortgage

XXXX XXXX you do not address any of the other issues as online access. As well I am happy to print out copies of phone calls to show you how many times I have called XXXX as well we can set up a meeting so I can play you every recording of voicemails to XXXX and any voicemails he left me. The vagueness of your responses is ridiculous. The other item is who is doing your loan Mods and decided I had I had excessive obligations. That is funny because I do have XXXX to pay and I do not agree with all of so called fees you are trying to charge on top of that. As soon as I was going to pay your Reinstatement and I told you in writing I appealed my loan mod denial on XXXX/XXXX/16 I received on XXXX/XXXX/16 that my paperwork was received. Instead of letting me reinstate by XX/XX/XXXX BSI violated CHBOR by dual tracking and not looking and sending out anything on my appeal. I sent my appeal within 27 days and BSI never sent out anything on denying my appeal or having someone else look at it or requesting any other info. XXXX XXXX also have email I sent him on XXXX/XXXX/16 requesting that I was appealing as well as voicemail that day. Instead you had a company and use incorrect information violated CA laws of dual tracking and filed an NOD on XXXX/XXXX/16 which I was notified about on XXXX/XXXX/16. I will be paying what is owed on back payments of mortgage but I will not be paying your fees that you are trying to charge. Nor can you foreclose due to your fees which I am disputing in the excess of XXXX!!! I will take that to court and as I stated have a lawyer and all the proof I need on these violations so BSI will be paying for their violations as well as your XXXX falsely trying to foreclose on CA homes and then flipping houses is entirely unethical and will be proven
Product: Credit card or prepaid card

I was approve fro the transactXXXX prepaid card and my fiancee loaded {$73.00} dollars with his XXXX XXXX and it went through, then he was leaving for work but he tries to load {$100.00} and it went through but seconds later I was reversed and then I was told that my account was locked for suspension of fraud, my fiancee and I called the customer service number and was getting several different stories of the supposed reason for the action of the Lock account, but then we were calling and getting disconnect call 's and I would ask too speak with supervisor and we will be connected with someone we have spoken with before, so this customer service support is not professional at all. My fiancee explained to them that he was the authoritarian of the account that was used too load my account and it was not fraud. I want my account unlocked ASAP.
Product: Student loan

I enrolled at XXXX here in XXXX, TN back in XX/XX/XXXX. Moved into my dorm the same month. I applied for financial aid and it was awarded to me. I never received a schedule, nor books. My financial aid advisor later informed me that I would have to withdraw or take out an additional loan, because I did not have enough money to cover my cost. I ended up withdrawing I think in XX/XX/XXXX. Till this day XX/XX/XXXX, I 'm still struggling to pay a loan for a school I never attended. Due to my age my mom an I went to the school and spoke with The President, and he promised to get back with us, and we never heard back from him. We were told that the financial aid advisor had been fired because she was stealing the money, and nothing on my end could be done.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have asked over and over again for the bureau to provide validation. They have failed to do so when i have disputed this matter. According to FCRA section XXXX it is illegal to report information on my credit profile without my permission. I ask that you please remove the XXXX XXXXXXXX from my credit profile. 

Thank you please remove this once and for all. This has been a nightmare and the bureau is in violation under FCRA Section XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX account # XXXX and XXXX account # XXXX with Equifax XXXX XXXX on XX/XX/2021. Both XXXX and Equifax responded that these accounts were verified as accurate by XXXX. I then mailed letters to XXXX on XXXX XXXXdisputing these accounts and ALL Letters were returned to me via USPS because the address this creditor provided on my credit report is vacant with no forwarding address. I have attached copies of the envelopes. According to the FCRA, I must be able to contact any creditor who reports informatoni on my credit report. Since I am not able to contact XXXX using the contact information that's on my credit report ; these accounts should be removed for FCRA violation. I have attached copies of the dispute letters sent as well as the envelopes that show that the address on my credit report for this company is invalid/vacant with no mail forwarding options.
Product: Credit card

I am beyond frustrated in the manner of which I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX XXXX 2014, to a company called XXXX in the amount of {$1500.00}. I have recently come to the conclusion that I have been victimized by an online business scam I have paid this company the total of {$3000.00} of which was done in XXXX separate credit cards, which the other credit card company refunded me the charge, so I do n't understand why Bank of America is treating my dispute this way. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation it is shameful that Bank of America was so quick to dismiss me.I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people praying on the old and vulnerable making promises and telling lies.A refund from these companies is in order. They did not provide the services as described.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am spam called over 10 or 15 times a day thanks to Experian sharing my information. Literally three weeks after I applied for my loan from credit card XXXX when I asked the telemarketers where they get my phone number from they all say Experian.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX  STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

My mortgage has PMI and I now have over 80 % equity and therefore am not required to pay PMI any longer. I sent a new appraisal to Freedom Mortgage and was ignored for three weeks except to email me with the refinance departments phone number, who told me if I paid {$6000.00} in closing costs I could refinance my mortgage and the PMI would go away. After several more emails and 7 phone calls, I was finally told that they dont accept outside appraisals and I would have to use theirs. I told them to start the process and was told they wont do it until I have 80 % equity on the original appraisal that was done when I purchased the home and not on the new appraisal that clearly shows much more equity. 
The complete lack of customer service was deplorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit card

On XX/XX/XXXX I opened a dispute with Goldman Sachs regarding a transaction on my Apple Card. I provided the initial contract for the services I signed, receipts of payment, and a statement saying I did not receive the services outlined in the contract. On XX/XX/XXXX I was told the outcome of the dispute was that the evidence provided confirmed the services were received. This is untrue because there was no merchant response to the dispute and all the evidence I provided stated that there was a contract that was not fulfilled. I reopened the dispute that same day. 

I had split up this purchase across XXXX cards, and the other card found the dispute legitimate with the same evidence provided. When I reopened the Apple Card dispute I provided them with the other card investigation findings and dispute outcome. 

On XX/XX/XXXX I was told the outcome of my dispute was the same and there is not enough evidence to say I did not receive the services. I called customer support and they said many people provide pictures of empty porches or things indicating there was nothing received. I reopened the dispute on that day. 

Its a service so I couldnt do that, so instead I convinced the merchant to sign a letter stating I did not receive the services outlined in the contract and no refund was issued. All members of the original contract signed the statement. 

On XX/XX/XXXX I received a notification saying that all the evidence provided was not sufficient to substantiate the claim. Up to this point I had provided the initial contract, payment receipts, a third party dispute investigation resulting in a legitimate dispute finding, a written statement by me detailing what happened, and a written and signed statement by all signers of the original contract stating the services were not received and no refund was issued. There has still been no merchant response to this dispute. The Apple Card rep stated there is no documentation related to a refund- if the dispute investigation team had read the documents provided, they would see a refund is covered in both the contract AND the signed statement from all the signers of the contract. I reopened the dispute on XX/XX/XXXX. It currently remains open for the XXXX time. 

It has been over 6 months since my initial dispute was opened. I have provided sufficient evidence proving that the services were not provided. Based on the responses from the dispute investigation team, they are not reviewing the evidence provided as each request is provided in the documented evidence.
Product: Debt collection

I have received 4 phone calls in the last week regarding a supposed debt my father does not owe, from a company calling themselves RMS. Two were on XX/XX/2022, another the next day ( straight to voice-mail as I had blocked their number ) and another on XX/XX/XXXX from a new number. The first three were by a real individual and the last by an robocaller. 

The last robocall gave a prompt to talk to a real person, so i endeavored to confront RMS. I asked for their address so I could file a TCPA lawsuit, but they hung up.
Product: Checking or savings account

On XX/XX/XXXX I had a payment withdrawn in the amount of {$390.00} which over drafted my account. The payment was reversed and I was charged a fee of {$36.00} by PNCBank, I was also charged by a {$25.00} fee by XXXX because of the rejected payment. In my opinion I rarely overdraft my account, however, in the few times it has happened in the past PNC has always covered the transactions. <P/>I contacted PNC on XX/XX/XXXX to ask why the payment was rejected this time when they have always covered any similar transactions in the past. I was provided inconsistent and inaccurate information by the representative. The only thing consistent about the call was that I was provided a different answer each time I asked a question. As a side note the service was absolutely horrible! The agent muffled things under her breath about me like " oh man '' and then when I asked to speak with a supervisor, she told me she would connect me with her team lead and instead disconnected the call. I have now waited a full 24 hrs expecting a follow up call, but unfortunately have not received one. <P/>The agent advised me that no policy had changed and that PNC has never covered a check overdraft on my account. She even told me that even if the overdraft was less than {$50.00} that it would have been declined. I then provided dates of similar transactions that had not been rejected and her response was basically that it just depends. She would not provide any type of direct answer as to why this payment was rejected and I have no confidence that anything she told me was accurate. <P/>The main reason for my call was to know why the payment was rejected so that I know what would happen if a similar situation arose in the future. I still have no idea as to the answer. I did also ask for the fee to be reimbursed as a courtesy which did not happen. I feel {$36.00} as basically a processing fee to decline a payment is beyond excessive. This is especially true since because the payment was rejected and I was charged an additional {$25.00} by XXXX. <P/>PNC is obviously aware when someone is experiencing financial difficulty when they are overdrawn, instead of trying to assist, they charge excessive fees that makes it even more difficult for someone in an already difficult situation. <P/>I do plan on closing my account with PNC as a result of this recent experience, however, I still wanted to make the CFPB and PNCBank aware that if the agent I spoke with is the typical agent, then the call center has no idea how an over draft works, how to look up account history and how the current policy works. Additionally, I ask that they review the call from XX/XX/XXXX as the agent I spoke with at the very least needs some coaching on professionalism and customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was transferred from XXXX to XXXX in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently XXXX is reporting to XXXX, but has not reported to Transunion. I have called XXXX 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to XXXX, they have not responded once. CUstomer service is terrible. 

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from XXXX. 

My credit score is now negatively impacted and causing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original lender ACIMA DIGITAL FKA SIMP is reporting the account past due as XX/XX/XXXX which is inaccurate. The account was late and charged off in XX/XX/XXXX. This is not accurate and predatory to keep the item on my credit longer that the statutory 7year 6 month period for negative debt. This does the greatest amount to my credit report and credit rating.
Product: Debt collection

On XX/XX/2018 " Waypoint Resource Gr '' has opened an account in XXXX reporting that I'm in debt of {$270.00} from an original creditor " XXXX XXXX XXXX '' I have received service from " XXXX XXXX XXXX '' starting from XX/XX/2018 and ended my service on XX/XX/2018. I have communicated with that company to make sure that my account was in good standing and they assured that everything was intact and that my account was in good shape. I never received a letter nor email stating that I owed any amount to either XXXX XXXX XXXX nor Waypoint Resource Gr. XX/XX/2018 I received a call and was lied to, or mislead. The company called saying they were calling for a job opportunity, and they wanted me to verify my name and address. After I provided that information, they then stated the name of the company " Waypoint Resource Gr '' and said they were calling to collect a debt of the amount of {$270.00}. This negatively has affected my credit score tremendously because " Waypoint Resource Gr '' reported the same thing twice in different dates on Equifax. Waypoint Resource Gr has opened two account for the same amount on different dates which are XX/XX/2018 and XX/XX/2018 for {$270.00}. It seems that they are trying to collect more than what there asking for which is unlawful.
Product: Debt collection

LVNV FUNDING LLC XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXXI hav enever done business with LVNV Funding and they should not be listed as a debt
Product: Credit card

Cash app fraudulent. XXXX dollar stolen In XX/XX/year>. Cash app was instantly contacted and they only reported it internal and has not done anything to follow up. My local police department submitted proper forms for releasing information and they have yet to send them anything.
Product: Debt collection

I am very disappointed and concern about this issue. There is a late remark on XX/XX/XXXX on my Capital One account. I've been always on time in my payments but there was this situation that I could not control. 

I was in XXXX for work. I was was stuck due to pandemic. I Was out of the country and I was not able to use the app. I was not able to access the Capital One site from outside of US. Also emails from Capital One kept on going to XXXX. I finally was able to get phone service in mid XXXX ( around XXXX XX/XX/XXXX ) to be able to talk to Capital One. 

Again, this was a situation that I could not control. It was not a money issue. I had enough founds to make the payment but I was out of the XXXX with a lot of restrictions. I ams asking an adjustment to this late remark that is killing my financial life. I have also suffered emotional stress. I need a fair solution asap. 

All I am asking is this late remark to be removed or this month to be reported as " no data ''. 

Thank you.