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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by XXXX USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Synchrony Bank/ PPC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank/ PPC , the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Synchrony Bank/ PPC whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Synchrony Bank/ PPC never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I have reached out several times to XXXX ( XXXX XXXX ) to discuss the huge amount of interest that was added to my once {$13000.00} loan that is now {$25000.00}. I had no idea that when I was in school not making payments that the loan would still be accruing interest so it was truly not in deferment. I have made several attempts to find a solution with the loan providers. I get the run around that its a private loan and all XXXX does is collect the payment so there is nothing that can be done unless I pay my loan off in full. I have tried to make a settlement payment with them and have tried to get the late fees taken back just to make the load pay off more manageable. Mean while I just keep paying several hundred dollars each month that I just found out is not even covering my interest payment! The interest rate has increased and it is impossible to pay off the current loan amount at the rate that its going. I am tired of getting pushed in to forbearance anytime I call with concerns of not being able to afford the payment. I feel at this point I have exhausted all options. My last call to them was in XX/XX/XXXX2018.
Product: Student loan

I am currently enrolled, full time, and Nelnet is requesting payment of my student loans
Product: Credit reporting

Experian XXXX, TX XXXX Re : XXXX - Account Ending XXXX. 

I am writing to ask that you delete my entire record from all credit reporting, since I have tried numerous times to contact the collections company XXXX has referred my account to : XXXX XXXX, XXXX Executive Response Unit. XXXX XXXX. 
XXXX, Office of the President, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX. 
XXXX XXXX, VP Client Servicing I have had XXXX success in doing so, since they claim it is a XXXX account. 

In addition, I have made consistent payments to XXXX over the years and as a responsible person, and yet XXXX is still reporting me as not paying. 

This must be rectified immediately, since as I was told via my phone call XXXX does not manage this debt, XXXX XXXX XXXX XXXX XXXX does. 

I am reporting this mis-reporting to CFPB and each individual reporting agency. 

I look forward to your response. Thank you for your consideration. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit card

Comenity Bank needs to stop exploiting people through their tactics. I opened a Zales credit card with Comenity Bank and from the start, I had issues ( always to my detriment ). When it was time to pay the card, I couldn't access the system and was charged a late fee ( which they acknowledged once I showed them proof of their website issues ). I have made every single payment due, actually paying WAY over the necessary minimum amount. When I went to give birth at the hospital in XXXX, I did not want to worry about any charges on the card so I changed the autopayment to deduct the remaining amount owed. I thought everything was fine, especially because no payment due kept coming up. Now, all of a sudden, Comenity is saying that their system " never processed it '' conveniently, so that they are able to charge me {$3000.00} for a {$900.00} balance. They are deceptive and misleading- they set up their autopayments to make sure that the full amount is not paid by the " due date. '' I can't even access information on the " promotional plan '' they say I signed up for because they never sent me any disclosures nor agreement and there is nothing on my account. All they keep saying is " there is information on your statement '' and that the due date was XX/XX/XXXX. 

I have had a perfect payment history on this card. I have made many additional payments on the card to the point where they were only deducting me $ XXXX a month on the autopayments. I just had a baby and have so many hospital bills and I can not pay the ridiculous interest charges that were imposed on me deceptively. I offered to pay the balance in full immediately ( which had been scheduled back in XXXX ) but they wouldn't hear me on my offer even though it's merely days after the " due date. '' So many other companies offer the same solution. I need to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I requested a credit freeze online. I provided the Core Logic a copy of my driver 's license as well as secondary information verifying my identity. I also informed them that if they failed to initiate freeze I would contact governing authorities who regulate them. 

Instead of doing the freeze as I requested, the company sent a letter by mail saying they could not do the freeze and that I need to fill out an application. I do not need to do anything, they have never asked me to verify anything before they created an account with my name, without my permission. 

I want full legal relief. I want my account frozen immediately. I am happy to verify my identity to the CFPB and then you instruct Core logic to follow the law and put a credit freeze on my account. I will not send Core Logic anything as I have already done so online. Not wasting my time with them. 

If possible please investigate Core Logic business practices as a whole and place a moratorium on this company 's operations
Product: Credit reporting or other personal consumer reports

two orders were placed in my name through the XXXX account. I called 14 times in the month of XXXX, and 11 times in the month of XXXX reporting and getting updates of the fraudulent activity. On XX/XX/XXXX I was told that an " unauthorized activity investigation '' had been opened and I would not be responsible for the unauthorized transactions. '' Since then XXXX has texted me, called me, emailed me, and refered my account to collections. Each time I have had any of the above contacts I have immediately called to verify that this matter was being investigated and that I was not held liable. Today I was contacted by XXXX 's collections department trying to collect the debt which the XXXX system had identify as delinquent. I was threatened with credit reporting action, and again, I verified that the accounts were from fraudulent transactions
Product: Checking or savings account

the last year i had an accident so a insurance company send me a check every 15 days since XX/XX/2022 and these check i upload in the bank of americas app, but in XXXX  i have to go to XXXX because my mother was realy sick i dont remember if were XXXX XXXX o XXXX i had two checks pending to upload at the bank of americas app, but for mistake i upload two times de same check but the a friend go to the bank of amercia branch to deposit the check that i did not upload and deposit other new one and i recive those deposits in mi count but then when i come back from XXXX i had 3 checks that the insurance company send me every check was for {$1300.00} each one and the last XX/XX/XXXX i upload the three checks but the money appear until XX/XX/XXXX but the las XXXX XXXX i did not have any access at banck of america online , so i called to banck of america and they told me that they closed my count for try to charge false checks but the checks are made for the insurance company then i try to charge in other bank because in bank of america tolme that de chesck get back to the insurance company but in th eother banck i can not charge beacuse already were carger so again talk to the bank of america and they told me that the charge the checks and they have de money but they don have anytime to send me that money because they are investigate the money and the suggested to talk to the insurance company so that they would make a claim and return the money and then they would issue me another check but they insurance company told me that they can not do that because the checks already are charger, And I spoke again with the bank of america explaining to them and I told them that it was very illogical and irrational that they supposedly closed my account and credit cards for supposedly false checks when they have the money and they cashed those checks and What I requested is that they return the money from the checks that have already been cashed and that legally belongs to me and apologize publicly for having closed my accounts, of course, false checks when they are not, because if they were they would not have collected any money and they are withholding my money, affecting me financially, so I request that the balance I had in my account be returned to me as soon as possible along with the total of the checks collected. I am not interested in having an account with a bank of America again and that the reports that are issued to credit institutions resulting from the supposed determination by the bank are modified or canceled so as not to have any problem in the long or short term since the checks are not false so much so that you were able to collect said resources and I do not understand why they keep them when they legally belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX I have been fighting with Experian for months. I was told can no longer dispute the incorrect information please help with this matter.
Product: Student loan

I am currently on the SAVE plan so all of my loans were put into forbearance starting XX/XX/2024. Today Mohela is showing i have a past due balance of {$310.00} which shouldn't be as i am on forbearance and should not have any payment. They have never communicated this balance to me either.
Product: Credit card or prepaid card

I ordered product from XXXX XXXX in XXXX. I never received any shipment information, so I tried to contact them, several times, through website email. There was no response. 
I questioned the integrity of this company after going on line and finding multiple Scam Alerts on consumer websites and XXXX, with consumers experiencing similar issues of no response to inquiry emails sent and non- functioning toll free numbers. 
When XXXX website had information advising no longer selling products, I contacted CapitalOne to report issues, not receiving product and disputed transaction. On XX/XX/XXXX I received package from XXXX XXXX, in soft non padded plastic bag. There was no receipt enclosed only a dented box, with the unit broken. It appeared to have been crushed or possibly not assembled properly before shipment. I sent email that same day to XXXX XXXX, advising item received broken and requested an XXXX label, but again no contact at all. A few weeks later I received a letter from CapitalOne declining dispute advising I now have to pay charge.I contacted CapitalOne account XXXX XXXX ID # XXXX this morning ( XXXX ) who stated, it's not CapitalOne responsibility to ascertain if company the Consumer does business with is a scam or not. In addition, although I sent proof of trying to contact requesting cancel/return product, XXXX advised CapitalOne is requesting I pay charges anyway, adding dispute is closed ...
Product: Student loan

At the end of the Covid relief hold on student loans, I was given notice that payments would restart and that I needed to update my income for the income based repayment plan I was on. Ed Financial incorrectly had me on a standard payment plan, though, with a payment of {$1100.00} a month for XXXX years. I updated my income, which is {$29000.00} a year, or about {$2400.00} a month before taxes. My account showed I owed nothing for the month of XXXX, but that payments would start at {$800.00} and a second payment at {$360.00}, which came to the {$1100.00} for XXXX years. That would be over half of the money I make after taxes, which is approximately {$1900.00}. Ed Financial then sent me notification that I had been approved for the income driven repayment plan, which all such plans are supposed to be XXXX % of a person 's salary. All of my loans qualified for the income based plans, so all of them should have been applied. But my notification was that I would start paying {$800.00} on XX/XX/23. This was the same amount as the standard repayment plan, and nowhere near my income qualifications. According to their own loan calculator and my tax filing information, my payments should be XXXX. But they didn't change anything to fit my updated information, and if they took XXXX % of my salary, I would only owe $ XXXX {$360.00} a month. This is XXXX times that! It's also very deceptive since my summary still shows me owing XXXX for the month of XXXX, but now I received notice that I have to pay over XXXX XXXX  in just XXXX week. That is XXXX week 's notice of a change in my payments taking nearly half my monthly income. That is NOT an income based repayment plan, so it's a lie that I've been approved for a plan based off of my income. It is still part of the standard plan, which seems like some very DECEPTIVE practices to me. I've tried contacting the company, but hold times are more than XXXX hours! And there's been no access to chat and no response to emails. My due date is coming up in just a week! I do not have time to hold and wait. I do not see how a company can be allowed to operate like this with loan information. How is it even legal? I have the screenshots and saved documents to show the proof of my complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2001 at XXXX XXXX I transferred {$2000.00} via Western Union to the XXXX. I paid the transfer fee of {$30.00}. There is 12 hour time difference which takes it to XXXX XXXX XXXX time, XX/XX/XXXX. 
At XXXX XXXX my receiver in the XXXX went to pick up the money and was told that it has already been collected. 
I was supposedly the only one who has the tracking number to authorize the release of the money upon presentation of proper government picture ID. 
I spoke with customer service several times and argued that they improperly released the money and questioned them about the security of the tracking number. Each time I was given the same answer -- - '' they properly dispensed the money to the right person '' and refused to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has received a certified letter as well as documentation to verify my current address, full name, ssn etc. They refuse to correct the inaccurate addresses they have listed, even after receiving proof of residency from me. Remove any names other than my full name which is provided to them with my ssn card and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.
Product: Credit reporting or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

i have been trying to get a resolution with the lender and we keep going back in forth with mixed updated. When I call they advise my file was under review but they later advised that it was removed due to missing documents. 

I am just getting the run around when i am trying to save my home. They even advised me to file a complaint and don't care about their customers Please help
Product: Debt collection

I am in the process of buying a house I notice that on my trans union accounts from XXXX XXXX XXXX opened XX/XX/2023 in the amount {$3700.00} this account is not mine. I ask this company to verify this debt providing me with a contract I have with them as they can not as I have no account with them. They are violating my right to privacy and flea laws for maintains accurate in formation. Please help me in this matter.
Product: Mortgage

Due to a house fire we were nonrenewed by our insurance company. We had a very difficult time finding replacement insurance coverage because 1 ) the claim was still open, 2 ) the claim was very large, and 3 ) the house was unoccupied ( because it is being rebuilt ). The only insurance company we could find that would write our policy required immediate payment to bind the policy so my husband put it on our credit card. The policy was extremely expensive - $ XXXX - but we paid for it on our credit card. NewRez got a copy of the policy and, even though we had paid for it up front ourselves, has been escrowing for that amount ever since. The first time I called, on XX/XX/XXXX, I was told that NewRez paid for the policy premium themselves. Which is incorrect. I double checked with the insurance company and they tell me that they didn't invoice NewRez and that the payment they have on file is from my husband. I called back on XX/XX/XXXX with this information and was told that to go to the website and request that escrow account be removed. I followed the representative 's specific instructions to go to the " Contact Us '' form, choose " XXXX XXXX or XXXX '' for what is your questions about. Then choose the drop down for " Requesting my escrow account be deleted ''. I followed her instructions WHILE ON THE PHONE with her. The website says I'll have a response in XXXX business days but I only got an automated email, immediately, that acknowledge activity on their website. I heard nothing for more than 20 days. Then when I called to ask the status I was told they had no record of my request, that I actually have to submit that request in writing ( new information to me ), and that it will take XXXX - 45 days. I explained the situation in detail, including the fact that these were not the instructrions previously provided and I was given no recourse. When I asked to speak to a manager and asked why, if the rep had told me the wrong instructions, and if I had submitted it incorrectly on a website that said I would have a response in XXXX days why no one had contacted me to tell me that I needed to submit it in writing. They made NO ATTEMPT to help me with my problem, my request to the website went UNADDRESSED for more than 20 days, and the manager not only told me there was nothing he could do, but he ADDED MORE INSTRUCTIONS to what I needed to do including that not only do I have to submit the request in writing but I also need to include a copy of a paid receipt for the insurance. SOMETHING NONE OF THE OTHER REPS had mentioned. So again, they have been aware of the issue that they are taking an extra $ XXXX of my money to sit in an escrow account, on a policy that I have already paid for myself, they gave me INCORRECT instructions on how to rectify the situation, and now they're telling me to start all over so they can sit on my money for an ADDITIONAL 30-45 days. This company continues to find new ways to hold my money and make interest off of it, while I have to apply for additional loans to cover my expenses.