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

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 PER 15 USC 6801, CREDIT REPORTING AGENCIES HAVE THE RESPONSIBILTY OF PROTECTING MY PERSONAL INFORMATION. EQUIFAX IS IN VIOLATION, AND MY PERSONAL INFORMATION/IDENTITY BEING LEAKED AND FALSELY UTILIZIED IS AFFECTING MY ABILITY TO OBTAIN CREDIT I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Student loan

The U.S. Department of Education had approved my XXXX XXXX XXXX XXXX XXXX XXXX ) discharge application requesting discharge of my student loans effective XX/XX/year>. I was informed by email XX/XX/year> and by mail. The letter states that my holders, Department of EducationXXXX and Department of Education/MOHELA , were to transfer my loan service obligation to XXXX for discharge. XXXX assists the U.S. Department of Education in administering the XXXX discharge process and communicates on their behalf. 

On XX/XX/year>, I received an email from MOHELA saying that my payment was due soon. I disregarded the email. However, I did not get an email for payment from XXXX. I received 2 more emails from MOHELA on XX/XX/year>. One stating how many months past due I was and the other stating payment due soon. I logged into my account for MOHELA. It showed that I still have a balance. Out of curiosity, I logged into my XXXX account. It showed a zero balance. 

I called MOHELA to inform them of the discharge. I was told they had not been informed and that there was a " pause '' on all discharges. I was advised to continue making payments or put my account in forbearance. The representative confirmed that every missed/late payment is reported to the Credit Bureaus . I told the rep that I had received an email approving the discharge application for XXXX  a letter detailing the discharge that can be given to them, and that there was no mention of a hold MOHELA was referring to. The rep said notification of discharge has to come directly from the U.S. Department of Education. Therefore, contact the Department of Education for further assistance. 

I called the U.S. Department of Education and was connected to XXXX. I explained what had happened with MOHELA and asked for help resolving the issue. XXXX confirmed that my balance with both XXXX and MOHELA were zero. They instructed me to have MOHELA contact them at XXXX to confirm the discharge. XXXX also stated that MOHELA had been informed of the discharge on XX/XX/year> as well as XXXX. 

MOHELA will not contact them nor will they approve my documentation. XXXX said that there is nothing more they can do. Therefore, I am filing my complaint against MOHELA for not discharging my loans as instructed.
Product: Credit card

I purchased furniture from XXXX on XXXX/XXXX/2015 at that time I was over charged for an item I hadnt purchased. This was financed by synchrony bank on a store credit card. That same day a refund was processed for {$74.00} for the overcharged item. I was told it would take 2 months for this to show up on the card statement. It has now been 5 months and Synchrony tells me they havent received anything from rooms to go regarding this and rooms to go tells me that Synchrony must be at fault because they sent that refund request to them. I have called about this XXXX times for several months with XXXX organizations pointing the finger at the other and neither assisting me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

In late summer XXXX, I called Bank of America to close a Visa Signature Premium Awards credit card ( ending in XXXX ). I paid my final balance in XXXX XXXX. The company did not close the card as requested and charged me a {$95.00} annual fee a few months later. As I was not expecting bills from this company and they were going electronically to an old email account, I did not see that I had a bill until a few months, when interest had accumulated and my credit report was negatively affected. I called Bank of America again and they told me that they had no record of the account closing and the account was still open. I paid the balance immediately to avoid further negative credit consequences and again asked to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


EXPERIAN, XXXX  AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.
Product: Credit card

I called to cancel my card on XX/XX/XXXX but was talked into keeping it open with an offer of a {$50.00} statement credit and XXXX bonus miles for charging {$1000.00} each month for three months. When I stated that I did not want to pay a membership fee, I was assured that three month period ended before my first year was up which was XX/XX/XXXX. This agreed with the valid from date on the card which was also XX/XX/XXXX. Since I signed up in the middle of a statement period, I called back to clarify whether the months were calendar months from date of offer or dates that coincided with statement dates. I was told the three months were XXXX day periods starting on XX/XX/XXXX. When my next XX/XX/XXXX statement showed the membership fee, I called on XX/XX/XXXX at XXXX CT to ask about the fee, explaining that my XXXX year did not end until XX/XX/XXXX according to my card and the last representative I spoke with. I stated that I had planned to cancel the card before the fee went into effect and that I had questions about the promotional offer. The representative then said that she credited the member fee and cancelled the account while we were talking. I stated that I had not asked her to do that. She stated that she could re-open the account and, if she did, I would continue to be eligible for the promotion. I expressed a sense of urgency in that the deadline for making purchases within the promotional period was ending soon. She allegedly made a note on the account and assured me they would notify me by phone when the account was open so I would not have to wait for a letter. I never got a phone call. However, I determined that the account was re-opened and called customer service on XX/XX/XXXX at XXXX CT to ensure I was still on track to receive the rewards according to the promotional offer. I did so because that was the only reason I would charge any additional purchases to that card. I was told that I was still eligible and proceeded to charge another {$1000.00} before the end date of the offer. However, I did not see the credit when my XX/XX/XXXX statement was posted so I called customer service again on XXXX at about XXXX pm to ask why. I was then told that I did not meet the terms of the offer. I asked to speak to a supervisor. " XXXX '' claimed to be a manager but would n't provide a last name. XXXX told me that despite my being told during XXXX previous conversations that I was on track to receive the bonus miles and statement credit, he would not honor the promotion. XXXX stated that I became ineligible when I closed the account. I explained that I did not ask for the account to be closed, that the closing was a misunderstanding by the representative, and that I was assured on XX/XX/XXXX and XX/XX/XXXX that I would still be eligible for the offer when the account was re-opened. Somehow, it did n't seem to matter to XXXX that his information contradicted what I was told by at least XXXX other representatives or that the account was closed in error. Bottom line from XXXX is that Citibank 's error was now my problem. Citibank did not honor their agreement and penalized me for the errors of their representative.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I used my Lowe 's credit card to make a purchase that qualified me for an interest deferred offer from Lowe 's credit card. The interest deferred deal was supposed to be good till XXXX XXXX. In XXXX XXXX I made a purchase using my Lowe 's credit card in the amount of {$220.00} - I made a payment of {$300.00} in XXXX XXXX, which more than covered this purchase and in XXXX I made a payment of {$120.00} to ensure I had more than covered the purchase made in XXXX, so as to not be charged any interest. Upon reviewing my statement ( Lowe 's credit card in essence forces the so called paperless billing down your throat which makes reviewing your statements more difficult than when receiving them in the mail ) I noticed that they had charged me interest. I called their customer service number, XXXX and spoke to XXXX. Basically he tells me that this charge of interest is within their agreement and too bad so sad for me. These slobs lure you into a deal then find an excuse to XXXX money out of you.
Product: Money transfer, virtual currency, or money service

In about mid 2021, I attempted to make an XXXX purchase through the PayPal service. I was unable to make a purchase most likely because I was using a XXXX service that triggered a fraud detection. This was a common issue with other websites and was resolved by temporarily turning off the XXXX. People around the world legitimately use XXXX services without any nefarious intent, but rather for security as was I. 

My PayPal account would become permanently limited without explanation. Instead of going back and forth with PayPal, my preference was to simply delete my data and close the account. I did not want my information out there in case of a data breach or hack. I do not concerned that PayPal would not sell or allow my information used on their site. That is not enough. I do not trust their cyber security and neither should anybody else. We each are responsible for our own security in this era of cyber hacking. 

PayPal is not justified refusing me to delete my information.
Product: Credit reporting or other personal consumer reports

I have tried to contact this company for the last 3 weeks. When you call you get someones personal voice mail and when you use the website to request you get and error message that tells you to try again.
Product: Debt collection

I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Diversified Consultant Inc
Product: Student loan

This institution ( University XXXX XXXX - XXXX XXXX ) failed to fulfill its most basic obligations as a student loan servicer. Furthermore, its shortcomings were echoed in the experiences I've had with its contracted debt collection agency ( XXXX XXXX XXXX. ), as well as its loan servicer ( Heartland ECSI ). Collectively, these three entities deprived me of basic borrower 's rights, neglected their creditor obligations to me, provided me conflicting & misleading information to me, and habitually resorted to shifting blame amongst one another. 

Violations by XXXX ( and the aforementioned, on XXXX 's behalf ) include : 1 ) After multiple requests to XXXX, XXXX XXXX , & Heartland ECSI, all three entities refuse to provide a signed copy of my Federal Perkins Loan Rehabilitation Agreement. The  agreement states that I am entitled to a signed copy, but my requests for documentation have been rejected or ignored. 

2 ) Failure to maintain adequate payment records. There are inexplicable discrepancies between the dates payments were made to XXXX XXXX, and the reported payment dates on record with Heartland ECSI. When addressing this issue with both entities, I was told that this was due to the respective monthly reporting cycles for each entity. I find it preposterous that the reported payment dates can not be retroactively corrected, especially if I am to be charged interest for the discrepant days. Additionally, XXXX shows that a portion of all payments had been allocated to interest, whereas Heartland ECSI 's records show that interest allocations were made quarterly. I was not provided an adequate explanation to this day, and don't know which to reference while figuring the student loan interest deduction for my taxes. 

3 ) I was informed that upon successfully rehabilitating my loan, per our Federal Perkins Loan Rehabilitation Agreement, XXXX would instruct credit bureaus to remove records of previous default & late payments from my credit history. My final payment, which marks the successful rehabilitation of this loan, was made on XX/XX/2020. I requested an updated credit report from XXXX  on XX/XX/2020, which still shows both the previous default & late payments for this account. 

4 ) Prior to initiating the rehabilitation agreement, a XXXX representative informed me that successfully rehabilitating this loan would reinstate benefits entitled via the original promissory note, including a waiver of collection fees. This statement was made via email correspondence, and I am able to furnish the email log upon request. This promise was one of the explicit reasons I agreed to rehabilitate this loan.
Product: Mortgage

This is my third complaint on this topic as the company is misrepresenting facts in their response and I dont have and option to highlight the misrepresented facts and attach to the feedback. 
I have asked Western AllinaceXXXX Bank to apply my restrcited escrow funds to the loan principal balance and recast the loan in XXXX XXXX and they delayed the process which resulted in me paying thousands of dollars of interest. 

The company has misrepresented the following facts in their reponse. 
1. I never made any repairs to my property as the home washed away. The company is aware of this and infact I was allowed to cancel my home owners insurance middle of XXXX as there is no home on the lot. There were no inspections, no contractor information and no progression report ever. They stated repairs were completed in XX/XX/XXXX when I havent done any repairs. I would like to ask the company about the evidence of the repairs that were completed in XX/XX/XXXX. 
2. The company stated that I inquired about using funds to pay off the loan in XX/XX/XXXX but in reality, I have inquired about using the claim funds to pay off the loan and recast the remaining amount in XXXX XXXX. Please listen to the calls when I had customer service, mortgage departement and loss draft on the call in XX/XX/XXXX. All of them said it can be done and asked me if I want to initiate and I said yes to that. Subsequently, I was sent a recast schedule ( after restricted escrow was applied to principal ) and I paid {$300.00} over the phone for recast fee and you can see the evidence in the payment history in XXXX XXXX. I have contacted the company numerous times since XX/XX/XXXX and was always told it is being processed and in reality the process only started after my escalation in XX/XX/XXXX. 
3. The company claims that I have not returned the recast agreement while I have not received the agreement. When I called the company in early XXXX they said they are processing and dont need any information from me. Please listen to the calls. On XX/XX/XXXX after receiving the response to my complaint, I called the company and asked them for tracking number for the recast agreement and they can not locate it. The supervisor said he will research and contact me and no call back as of XX/XX/XXXX at XXXX The company needs to do an internal review of 1. Their process of applying restrcited escrow funds to loan and recasting the loan.

2. CFPB complaint review process. Clearly the complaints operations team has not done a thorough review of the calls and evidence and has mistateted many facts trying to hide process issues under the rug.
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. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account # XXXX, XXXX XXXX  XXXX : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX, has violated my rights. 
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 card or prepaid card

Someone has stolen my identity and has taken out credit cards under my name. First credit card that came under my name was for childrensplace and I called comenity to report the issue. Now I received a hard inquiry in my credit report for XXXX which I never applied for. This is also under comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in forbearance since XXXX of 2020 with XXXX. On XX/XX/XXXX20 I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with Experian who did nothing despite XXXX admitting to me that it was an error on their end and that I should immeditately file a disupte with experian. I have an official letter from XXXX documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.
Product: Credit reporting, credit repair services, 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.

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. 


Names on 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 Addresses on Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Numbers XXXX XXXX
Product: Other financial service

The post office destroyed my money order, making it undeliverable to pay my bill, and sent me a letter of apology, but will not compensate me for something caused by their negligence. It also made my bill late. I obtained the initial money order at XXXX and was told I would have to add an additional fee to resend the money order. This is unacceptable! I am XXXX and on a very limited income. Please help!