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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several dispute about Portfolio Recovery Associates LLC with XXXX, XXXX, and XXXX on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with Portfolio Recovery Associates on these XXXX accounts. 

The first XXXX # XXXX for {$350.00}, last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX no data. 

Second acct # XXXX for {$640.00} Last active date or to be removed on XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I didn't give my consent to report on my consumer report to Portfolio Recovery Associates and didn't have validation of debt sent me as I requested a long time on XX/XX/XXXX. I did not receive notice and disclosure from Portfolio Recovery Associates until after I dispute the debt in XXXX. Received a threatening letter for judgement and disclosed my private information to third parties. 

Portfolio Recovery Associates LLC already have been ordered by CFPB but they continue to violated my rights. 

They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer reports. See proof below.
Product: Debt collection

Letter was sent to company to verify my debt. Company only sent itemized statement and continues to report this debt to consumer report agency. Debt collector should remove the collection of my credit report since they are failing to validate the debt per FCRA 623 ( b ) ( 1 ) the account must be removed if not 100 percent accurate. The FCRA requires that furnishers of data to consumer reporting agencies to report information that is 100 percent accurate.
Product: Mortgage

I am reporting what I believe to be predatory lending practices committed by Shellpoint, a division of Newrez LLC, formerly known as Specialized Loan Servicing ( SLS ). Shellpoint claims to have a policy regarding ordering checks ( for the HELOC ) that you are only allowed to order five checks at a time ... and that when you order new checks it voids any unused old checks. I am doing an extensive project that will require more than XXXX checks and I want to be able to use my HELOC when I want to. They are encouraging that you write bigger checks than you need to... which pays them more money. They make the process to get checks unreasonably difficult. And when I request further information on this policy they make it unreasonably difficult to obtain. In addition, when I closed on this HELOC last XXXX, they wired the full amount of the HELOC ... .and said I was not allowed to make payments for the first 30 days ( incurring additional interest ). Then when I paid it off... it took an unreasonable amount of time to get checks that they cancelled. 
They operate very inconsistently and in a predatory fashion. I'm considering engaging attorneys for a class action suit against them and would like to further this conversation with the regulator. Thank you for protecting consumers. It means a lot to me and I'm willing to give time to the CFPB to help others.
Product: Student loan

My loans are with Mohela. I have over XXXX qualifying payments for XXXX forgiveness on XXXX loans. Over the past XXXX months, I have repeatedly requested to move my loans into an active status, so they may be processed for forgiveness. This is important and time-sensitive, as the interest accrues over XXXX a month to my balance.

Three times now, without any request or authorization, Mohela has continued to place my loans into forbearance and deferment. The only way I know this is that they follow up with a letter saying, " Your request for -- - has been processed '' - Yet I have NEVER made such a request. In fact, I have now sent THREE letters and countless phone calls asking them to stop this unauthorized action.

I feel this is a deceptive practice to intentionally delay the processing of my XXXX and continue to increase my balance through interest accumulation. I have documentation to demonstrate each time they have done this and documentation of me repeatedly asking them to stop taking liberty of placing my loans into forbearance or deferment. I have repeatedly clarified that I do not want this and it is being done against my will. I have been making payments on my remaining loans through the SAVE plan, yet my interest just accrued XXXX to my balance- which Mohela previously told me would not happen. 

I am beyond frustrated with this process and the time spent attempting to communicate with this loan company. I feel someone needs to examine their practices that are delaying earned loan forgiveness.
Product: Checking or savings account

XXXX Discover called regarding attempted charges to my debit card. On the phone with them for over an hour. XXXX attempts were made using my debit # in North Carolina - XXXX $ XXXX, XXXX XXXX $ XXXX, XXXX $ XXXX and another attempt while we were on the phone. 
Was told to enter XXXX as a secondary precaution. Also needed to scan a copy of XXXX XXXX XXXX bank with a selfie to be sent to the XXXX XXXX Department. 
XXXX XXXX is the person who made the attempts and she tried to be put on my account as an authorized user saying she was my sister ( NC ). At that time, I informed them that there are no authorized users to be added to my account and told them in all caps XXXX XXXX is to access my account. ( I was told that was great since the call was being recorded that I said that ). 
It was recommended that I use Tap & Go instead of inserting my card into the machines. 
XXXX received and email about my Wire Transfer ( I have never done a Wire Transfer ) Spoke with XXXX, then transferred to XXXX, then transferred to Lavendar ( Wire XXXX ). They are trying to recall the {$7000.00} + {$30.00} wire transfer fee. They reissued the savings account and recommended filing a police report. Was given the name of XXXX XXXX as the person who received the funds. 
XXXX received a letter stating the investigation was closed. Called Discover and was told that they attempted to recall the funds, but they had already been picked up and I was out of my {$7000.00}. They did tell me that XXXX XXXX XXXX was the bank that received the funds for XXXX XXXX. 

As of right now my total that I am out is {$9400.00} ( they have XXXX charges still pending on my account ) Right now, I need assistance with getting back my {$7000.00} Police Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing a collections account of {$0.00} from a XXXX. This imformation is being incorrectly reported as the collections account has been removed from my credit report by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

I have an XXXX XXXX credit card with Bank of America. Their online payment system doesn't have a " minimum monthly payment '' or full payment option when setting up automatic payment but I am forced to pick an amount to pay when setting automatic payment. I took a balance transfer with 0 % interest promotion from Bank of America to transfer my balance from another credit card. I had to guess an amount that meet the monthly minimum amount. I actually picked an amount that was higher than the minimum requirement after I transferred my balance to the Bank of America. Four month ago, the 0 % interest promotion was expired. That triggered an increase in minimum monthly amount and the system flagged me as late payment and had past due amount even though my automatic payment was still working and money was withdraw from my checking on time every month. I didn't find out about the late fee ( {$35.00} ) which is about 50 % of my minimum monthly payment for several months. They sent a letter reducing my credit limit due to those " late payments ''. I called Bank of America to request for refund but they only offered to refund one late fee. If their automatic payment set up has options like other banks such as XXXX, XXXX, XXXX XXXX, which should offer three options : Minimum payment, Full payment or a custom amount, I would've not suffered the issues. I recalled I ran into this same issue before when I found out their system don't have minimum payment but you have to guess from the statement and the minimum payment will be adjusted depending on the interest rate but the payment option that we put in is not adjusted when the minimum payment is changed.
Product: Debt collection

Several certified mail requests have been sent to Thunderbird Collection Specialists to provide ORIGINAL documents to validate debt that I do not owe. However, company continually fails to do so, but provides its own company generated invoices with false/incorrect information.

Thunderbird Collection Specialists is taken information from consumer 's original invoices, altering and transferring information and creating its company generated invoices. Therefore, creating false/fraudulent consumer documents, which is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX Account XXXX XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 


Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the date 60 days late as of XX/XX/2017 and XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I have been a loyal customer with Chase bank for a number of years. After making a series of purchases that I had the funds for according to my available balance, I was charged three {$35.00} dollar overdraft fees when the merchants charged the money several days later. In one instance a bill I paid on XXXX/XXXX/XXXX did not get taken out until XXXX/XXXX/XXXX. I know that other banks such as XXXX have been sued on the grounds of accumulating charges in order to assess more overdraft fees and this may in fact be a similar case. 

When explaining the misleading available balance and my frustration with the excessive {$100.00} dollars in overdraft fees, the representatives called me a valued customer although there was nothing that could be done by the first respresentative. I explained that I understand if all three cant be reversed but at least two or at least one would have made the burden a little less.

I waited nearly 30 minutes to speak with a supervisor who quickly informed me of my value but there was also nothing she could do about the charges. When asked how am I a valued customer when there was nothing that could be done, the representative changed the subject and restated there was nothing that could be done. I would appreciate someone looking into the matter and I am happy to bring relevant charges against the bank institution for their financial misrepresentation.
Product: Student loan

NSLDS.GOV shows for school year XX/XX/XXXX-XX/XX/XXXX I was awarded 2 Pell Grants each amounting to {$4000.00} The 1st is from a college and campus I never attended : Grant dispersed amount : {$2700.00} XXXX COLLEGE - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX The 2nd I did attend : Grant dispersed amount : {$1300.00} XXXX COLLEGE -  XXXX XXXX XXXX XXXX XXXX NJ XXXX NSLDS.GOV also shows missing data ( lines A-M, see attached ) All of the loan interest rate or repayment information is missing. 

XXXX XXXX navient was the original loan servicer and is currently the servicer for the newly consolidated loans. 

XX/XX/XXXX I requested copies of original individual promissory notes from navient. They have been unable to locate the individual promissory note and requested information. Without the information on these individual promissory notes pertaining the loan interest rate and repayment agreement the loans can not be verified because this information was never reported to NSLDS.GOV When consolidating NAVIENT sent the loan payout to the wrong school and subsequently preventing me from attending XX/XX/XXXX fall semester term B XXXX XXXX XXXX was both the original loan servicer and Loan Service serviver for my consolidation. 

I have attach a document which contains information from the NSLDS.GOV along with further questions and comments regarding this information I would like to have answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice from MYFICO stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Not only did they violate my rights but several inaccuracies are report in each bureau. In XXXX the Collection is stating that is is open. In XXXX the collection states closed. In Experian it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on my credit report on XXXX saying I owe a company " XXXX XXXX XXXX '' {$1200.00}. which was reported to Experian from XXXX XXXX  in Tennessee. 

I never received anything from " XXXX XXXX  '' about this delinquent bill. No dunning notices or phone calls. This alone is a clear violation of the FDCPA allowing me up to 30 days to dispute account. 

First, this is NOT my bill! Second, when I called this company they asked if my birthday is XXXX. That was my deceased father 's birthday. 

I have never signed any agreements or done business with this XXXX XXXX XXXX. This is something my dad had. 

I have had PERFECT credit for over 30 years. Never once delinquent on any thing. In one clean swoop this collection agency took my credit from excellent to good and within 24 hours. 

I can only think that the reason how this company got my address is that since he passed away all his mail is being forwarded to me. On top of that, I was born in XXXX NOT XXXX. 

To assume they had the right person, BEFORE listing the account with credit bureaus, they should have done a better investigation instead of just ruining my credit. 

I opened a dispute with Experian and they came back with a response that through their process and contacting XXXX XXXX, the bill is valid and will remain on my credit report.
Product: Credit card

We were under the impression from several Amex representatives that if we cancelled our XXXX card, we would be refunded the annual fee at a prorated account. We were told this several times over calls that extend over the past few years. 

When we eventually cancelled the card recently, we did not see the refund on our statement. So we called to follow up and inquire about this. After two calls and not hearing back, which felt like extremely poor customer service in and of itself, we called a third time. 

A representative from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, said he would look into the matter, but that his understanding was that the only time card holders can be reimbursed for any portion of the fee is within the XXXX month after membership renewal, which we had missed by a few weeks. After listening to recordings of XXXX of our past calls, he determined that we were offered other Amex products as an alternative to the XXXX card, but did not discuss a prorated fee. He therefore concluded we should not be refunded any amount of the fee. 

We do not recall which calls over the past few years he should have listened to, so this is a complication in the investigation. However, XXXX did acknowledge that on XXXX of the last XXXX calls ( albeit after the card cancellation ), the representative with whom we spoke also believed that we should have been refunded the prorated amount and said she would look into that. This reflects confusion amongst Amex 's own employees, which obviously leads to understandable confusion amongst customers. This lack of clarity was reflected across our interactions with Amex employees over the past few years and can lead to misleading information upon which Amex customers like us end up making decisions in favor of Amex that deteriorate our own financial condition. 

The annual fee is {$690.00}, which is a material amount for many Americans, and we had cancelled the card to save money because many of the card 's benefits require expenditures to take advantage of them which are out of our price range. 

Overall, we believe Amex has intentionally confusing terms around the cancellation of this card and evaded returning our earlier calls on this matter. If the company 's own representatives don't understand these terms, how are customers supposed to?
Product: Consumer Loan

My Auto payments set on autopay failed during a bank buyout We did not realize that payments were not being made I did not receive a call or a email or any notice of any type .My vehicle was going to repossessed the first person to get a hold of me was a local repossess agent. 
I immediately went to bank and wired funds for 120 days past due the fees i am being is outrageous