23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I obtained a small student loan ( less than {$3000.00} ) from XXXX XXXX in XXXX. The loan was owned by Navient until they sold it to National Enterprise Systems due to my inability to make the payments due to financial hardship. After being repeatedly harassed by NES ( threatening voicemails, repeated calls throughout the day, etc ), they finally agreed to a payment plan of {$50.00} a month to be automatically deducted from my checking account. That was in XXXX. I reauthorized the payment plan with a NES representative in XXXX. I last received my monthly statement from NES in XXXX for the XXXX payment. I have n't received any further communication from NES or Navient and my XXXX payment was never deducted from my account. Now, my father just discovered my loan under his Navient account in my name. It seems that Navient now has control of my loan again and is demanding payment. I was not notified that there was a change being made to my repayment agreement. Plus, I had no way of knowing since it is my father 's account and I do not have access to it. I called NES and left a message earlier in the week and left a message but no one has bothered calling me back. This is unfair to me and violates the agreement I had with NES. Someone from one or both of these companies should have contacted me and they have no right to put my loan on my father 's account. That is a violation of my privacy and prevents me from accessing my loan. I believe I have been mistreated by both companies and I am seeking a resolution to this problem. I have never missed a payment since I entered the repayment agreement.
Product: Credit reporting

Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with Experian, XXXX  and XXXX   credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you
Product: Debt collection

I signed a lease to purchase agreement for standard tires for a common US sedan. 
I never took possession of tires made. I explained to the vendor that I wanted to cancel due to poor customer service. And a feeling of safety concerns in his business. 
I also explained to XXXX ( the finance company ) the same issue. There were two conference calls between myself the vendor and the finance company. The Vendor refused to return funds to the finance company even though I never took possession of the tires. During the second call the vendor was very belligerent and disrespectful to both me and the finance company. I did request the company save that recorded call. 
I can't be held to a lease agreement or at least to purchase agreement if I never took possession of the item.
Product: Credit reporting or other personal consumer reports

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 name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX account name : XXXX  # XXXX inquiries : XXXX XXXX XXXX XXXX DATE XX/XX/XXXX THIS IS NOT MINE XXXX XXXX XXXXXXXX THIS IS NOT MINE XXXX XXXX XXXX XXXXXXXX THIS ISNOT MINE XXXX XXXX XXXX XXXX THIS IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX THIS IS NOT MINE has violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error
resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THESE ACCOUNTS IMMEDIATLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXXBalance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.
Product: Credit card

I was told that my bonus would be placed on there on XXXX separate occasions. I called on XX/XX/XXXX and XX/XX/XXXX and both times was told its on there and to wait XXXX weeks and its been more than XXXX weeks and nothing. I called again on XX/XX/XXXX and was told I am not eligible for any offer. I was told when I signed up my bonus would be XXXX bonus points after spending XXXX dollars in the first 3 months. I hit this milestone and then I was told to wait and it would be awarded and it wasnt and then I was told it wouldnt be awarded and wasnt a promotion for this card. I have the Southwest rapid rewards plus credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held accounts with TD Bank in the past subsequently, I closed the accounts, and fyi I would like to add that my daughter is still due monies based on their " XXXX XXXX '' I recently purchased furniture with a company I trust, and depended on the associates to the financial institution funding. I was unaware that this was a TD financial account ( I never would have agreed ) However, I am now in a receipt of an account evaluation, this was opened on XX/XX/XXXX and, I opened the account in XX/XX/XXXX and now seriously delinquent. I have never missed a payment and pay above the minimum payment. I was late by 2 days due to the fact that they do not receive electronic payment and request checks. I am without upset and was recently and abruptly dismissed by the representative that I spoke with after the notice. I am not " seriously delinquent '' and I am appauld by a bank that advertises that they are there for you or even offer forgiveness in Publically/televised advertised adds. I am unsettled by this recent correspondence
Product: Credit reporting or other personal consumer reports

Experian had reinvestigated and updated the XXXX XXXX account on my credit report, The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

My credit report was updated and it's still showing incorrect payment history, it states that I was late 180 days for XXXX and XXXX of XXXX this is incorrect reporting, it's impossible for me to be late XXXX back to back. I'm putting Experian on notice, they have violated my rights according to the FCRA
Product: Debt collection

Navient withdrew 3 payments XX/XX/2022 from my checking account. I called spoke to XXXX who promised it would be corrected. They made an unauthorized loan request to consolidate loans that are not proven to belong to me. I have disputed, filed XXXX, tried to reason with discrepancy without being successful. Started paying on their website which takes money from my check account without my authorization.
Product: Mortgage

I have my mortgage and my checking account with TD Bank and I pay my mortgage via online transfer on their website every month on the first of the month. Their website only shows the total outstanding balance on the mortgage, not the monthly payment, and I haven't been receiving statements so I pay the same amount each month. In XXXX I paid my mortgage on the first of the month like I always do. On the XXXX, XXXX days after the grace period to pay, my husband received a phone call from TD Bank that my mortgage hadn't been paid. I called them immediately and I was told that my mortgage had increased that month by {$82.00}, which I had never been made aware of, and I was short that amount. I went online during the phone call and immediately transferred over the additional funds to cover the full amount and I was told that the late fee would be waived. Today I was told, over the phone when I called to confirm the amount of my payment since I am still not receiving mail from the bank, that there was an outstanding late fee on my account in the amount of {$23.00} that could not be waived. My actual mortgage payment, the amount that I owe TD Bank, was paid on time, but they chose not to apply any part of my payment until the received the additional amount, which they did not notify me about until after the late fee was applied and which I paid immediately upon learning about it. I have XXXX bank accounts with TD Bank, so they already have all of my money. They should not be charging a late fee on an account that was paid on time to the best of my knowledge with the information that they had provided to me.
Product: Debt collection

A dispute was sent to XXXX XXXXXXXX XXXX XXXX The correct information was not provided in the letter sent back to me XXXX XXXX XXXX XXXX failed to request arbitration as stated they should in original contract XXXX XXXX took me to court before providing documents requested, wasted my time and was late to mediation XXXX XXXX  continues to harass and take advantage of my time with endless calls to my telephone even as we are in court settling disputes
Product: Credit reporting or other personal consumer reports

I filed a dispute on information that is outdated and incorrect personal information for all of the accounts on file. 
Correct Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to Section XXXX of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The outdated address listed in my file do not accurately reflect my current or historical information and needs to be removed immediately. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This matter aligns with my situation! Experian has not attempted to remove, nor correct any information. I am requesting this derogatory remark to be removed or corrected immediately as it is affecting my chances of getting approved for various of things. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting

After the statute of limitations ran on an old XXXX store account, Equifax started reporting a duplicate account thus showing I defaulted on XXXX, not just XXXX. I disputed it with Equifax. They concluded their investigation by saying credit granter verified the information ( but not on which account ) and to call Credit Granter for more information. I called XXXX at the number Equifax provided and they told me that the account had been sold and that their not reporting the duplicate account to Equifax.
Product: Debt collection

Receivables Performance Management LLC ( RPM ) has been relentlessly harassing me for months in regards to a debt of {$3700.00}. The creditor is XXXX and RPM is contacting me on XXXX 's behalf to retrieve this amount. I have received repeated letters claiming I must pay this debt. OnXX/XX/XXXX, they mailed another letter claiming XXXX is even willing to " remove my collections '' if I pay 60 % of the total debt ( {$2200.00} ) before a certain date. OnXX/XX/XXXX, I received a pink letter from RPM with an ominous title " You failed to respond. '' This comes to me at a surprise and severe annoyance because I have never once in my life been a customer of XXXX before. I even called XXXX to verify this and they affirmed that I have never opened an account with them. I am not sure how Receivables Performance Management got hold of my address and information and decided to take it upon themselves to harass me for money I do not owe, on behalf of a company who I'm not serviced at.
Product: Debt collection

Account name / Columbia Debt Recovery LLC DBA GENSIS Account # / XXXX In accordance with the Fair Credit Reporting Act the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 without my written instructions THESE STATEMENTS Against me are not true I never used my information for this company! MY INFORMATION WAS STOLEN!
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify or delete accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I have paid off 2 more credit cards and have lower debt ratio with Experian. My scores were up to XXXX now they dropped to XXXX dropping XXXX pts, with less debt and regular payments. This continues to prove that Experian is helping their Vendor companies and hurting consumers who are trying to pay off debt. 
This is what changed below, all positive but they dropped my scores???? 





Credit report changes Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HELP The percentage of your accounts always paid on time has increased by 1 % Your percentage of accounts with no delinquencies increased, meaning either a delinquency aged off your report, or you opened a new account that has perfect payment history. 


Payment history makes up 35 % of your score. 


COULD HELP Your credit utilization decreased by 3 % COULD HELP Your total balance on all accounts decreased COULD HELP The balance of 2 accounts decreased
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681c ( a ) ( 5 ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( 5 ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than seven years. Here Adverse items are delinquent items. I have already contacted EXPERIAN three times via letter correspondence and EXPERIAN failed to correct the item as PAID as AGREED. I have also asked EXPERIAN to provide me with method of verification and EXPERIAN failed to provide method of verification. Furthermore pursuant to 12 C.F.R. 1016.7 ( g ) and ( h ) ( of Regulation P ) I want to opt out of sharing my information and revoke verbal, non-verbal, written, implied, etc. consent EXPERIAN may have had to share that information.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX
Product: Mortgage

Please stop the Default / foreclosure process as my property is currently in default, and Nationstar Mortgage told me in a phone call on XXXX/XXXX/XXXX, that the foreclosure process shall begin on XXXX XXXX, XXXX. 
Please investigate XXXX ( XXXX ) separate matters : 1 ) Please investigate the criminal misconduct of Nationstar employees and their affiliates whom illegally intercepted and forged XXXX ( XXXX ) XXXX money orders which I mailed by certified mail, earmarked for my XXXX XXXX payment. Understanding the unsavory reputation of Nationstar Mortgage, I made copies of these money orders BEFORE I mailed them to Nationstar Mortgage, via certified mail. As a result, I retained the serial numbers of these money orders and was able to order copies of the 'processed 'money orders from XXXX showing these money orders had been altered /forged illegally and 'cashed ' for the personal benefit my Nationstar employees and their affiliates. Nationstar Mortgage has NOT provided a refund for these money orders, which were used for the personal benefit of Nationstar Employees and their affiliates, at my expense nor as Nationstar Mortgage provided me with a credit toward a future mortgage payment. Please provide an update regarding the investigation, as well, regarding the police report submitted on XXXX/XXXX/XXXX. 


2 ) Nationstar Mortgage deliberately omitted a 'principle reduction /debt forgiveness incentive clause ' totaling {$330000.00} ( {$110000.00} per year over the first 3 years of the loan ) from the loan modification agreement, that was explicitly stated on my Trial Payment Letter. 

3 ) Nationstar Mortgage is attempting to foreclose on my home by mismanaging federal funds from a federal program operated by the State of California, ironically called " Keep Your Home California '' ( KYHC ). In this regard, {$100000.00} from this federal program was wire to Nationstar Mortgage on my behalf, and posted to my account on XXXX XXXX, XXXX. Nationstar Mortgage provided explicit authorization for me to utilize these funds for future mortgage payments via email. To be clear, my last mortgage payment from my personal funds was made to Nationstar Mortgage in XXXX XXXX, as Nationstar Mortgage was made the payments from XXXX XXXX though XXXX XXXX, utilizing the federal funds from XXXX 

This agreement is well documented. To be very clear, written authorization was provided both via email from Nationstar Mortgage and reflected in Nationstar Mortgage Statements. I am told that Nationstar has applied a portion of these federal funds to the months of XXXX XXXX through XXXX XXXX, but is now refusing to apply any additional federal funds toward additional future payments. 

Nationstar Mortgage told me in a phone conversation on XXXX/XXXX/XXXX that I still owe mortgage payments for XXXX XXXX, XXXX XXXX and XXXX XXXX, such that on XXXX XXXX, XXXX, the foreclosure process shall begin for my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

They mailed me a letter. I mailed them two letters. They placed this account on my credit reports. I requested legally binding verifiable proof and they ignored all of my requests but still placed this account account on my credit reports.