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

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records.
Product: Credit card or prepaid card

I applied for a Barclays Arrival Plus card earlier this year. I was not immediately approved. In fact, it took SO LONG for Barclays to approve me, that I was back from the vacation in which I'd planned to use the card before I even received it ( 10 day vacation -- not a weekend trip ). When I was approved for the card, the value of the welcome bonus was XXXX points more than it was when I applied. 

Again, when I was actually approved, the welcome bonus was higher. 

I contacted Barclays and asked, as a ( very ) basic courtesy, if they could match the new bonus given how long it took them to actually approve me. 

Customer service provided zero actual service ( zero service at all on the part of one manager, 'XXXX ' ). All I'm asking is for them to honor the bonus that was available when I was FINALLY approved -- and the reason approval took so long was entirely on their end, not mine. If they'd approved me immediately this wouldn't even be a question.
Product: Debt collection

I have charge off account on my consumer report I need to file a XXXX for my taxes to reflect the tax write off the company as not provided me with this and it is hurting from obtaining credit
Product: Student loan

There was a settlement called the Navient XXXX XXXX XXXX in which forgiveness was given to loan borrowers of Navient because of the fact that they basically forced us into accepting forebearance and deferment over making payments so that we would accrue more interest. 

Here is the website describing the settlement - https : //www.navientagsettlement.com/ The website I found says... 
Federal loan borrowers who qualify for relief under this settlement do not need to take any action except update or create their studentaid.gov account to ensure that the U.S. Department of Education has their current address. 

And I promise you, my track record of constant forebearance and deferrment will show that I was a clear victim in this case. I would contact Navient each year and try to discuss income driven repayment plans because for many years I was working and did have a salary... and Navient always toldme the amounts that Icould afford to pay were not enough and it would be a better option forme to " defer for another year until I could afford higher payments because my current payments would be pointless withthe amount of interest I would be accruing ''. 

This went on for a decade. I would like someone to reach out to me about this because I can not find any forgiveness programs listed on the federal student aid website. I am aware that Navient was shut down and that XXXX has taken it's place. I know something can be done for me but need guidance on whichdirection to take.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report, these accounts are negatively effecting my ability to obtain credit.
Product: Credit reporting

Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.
Product: Mortgage

In XX/XX/XXXX, my wife and I purchased our home with a VA loan ( I am a veteran on XXXX XXXX XXXX XXXXXXXX ) from XXXX XXXX. In XX/XX/XXXX, we went on a covid forbearance for 6 months. We were told that there would be no penalities, no fees and no payments that would be due during the forbearance and when it was over we would be able to push the payments during the forbearance to the back end of the loan and just resume normal, on-time payments when it was done. 

In XX/XX/XXXX, my wife got XXXX  and lost work so we extended the forbearance through XX/XX/XXXX. At the end of XX/XX/XXXX, I spoke with an agent at XXXX XXXX to resolve the forbearance with a plan that would roll the missed payments to the back end of the loan and we would start making regular loan payments in XX/XX/XXXX after they send documents for us to sign and return updating the terms of the loan. They never sent the documents to return and when I called to find out what was going on, I was told that they didn't know why the documents were never written up or sent. They confirmed that the call I made with the agent about resolving the forbearance happened since they didn't seem to believe me and still couldn't explain why it was never done. They made no further effort to resolve the forbearance and update our mortgage, never even sent invoices for mortgage payments and in XX/XX/XXXX, they sold our mortgage to a collection company, The Money Source. When I asked why they sold our mortgage off to a collection company they said they did it to " free up capital '' and that was something ALL lenders do ALL the time. 

The Money Source did not believe or care that we were on a forbearance and their resolution was to charge us varying amounts of interest ranging from $ 27k- $ 43k -- we received multiple bills and they were declaring us delinquent on our mortgage and over 444 days behind on our mortgage. They started a campaign of harassment against us by calling daily early in the morning, every morning, to " update us on the status of our mortgage '', yet could not explain how a mortgage would change so much so often that we would need daily, early morning updates. They tanked our credit scores by reporting us delinquent to all credit agencies and were sending us bills for the full amount of " interest '' we supposedly owed while we were on the forbearance as well as bills for the payments of the mortgage, yet they had never sent us any documentation to resolve the forbearance either. 

We completed 3 payments earlier this year that was supposed to resolve the issue and they were to send documents for us to sign for regular mortgage payments going forward. They sent documents but did not subtract the payments we had already sent them against the total of the mortgage and still wanted us to make higher monthly payments and pay a massive lump sum of " interest ''.
Product: Credit card or prepaid card

I opened a new account with Synchrony Bank a XXXX Master Card and was approved for the card. A few days after being approved and setting up my online acct in order to pay the bills, I called into Synchrony bank in order to ask a simple question about the promo interest rate on my XXXX card I was told my card was locked and cant be used because a packet was sent out to me and I needed to handle that first. 

After waiting 2 weeks I finally received the packet and it was a request to fill out a form giving my permission to a 3rd party to contact the social security Dept top verify my Social Security number.

I called into to speak with someone at Synchrony Bank and was told if I don't fill out the form and give permission to this 3rd party my acct would be closed within 30 days.

This seems nuts to me I have plenty of credit cards and this has never happened before and I don't feel comfortable giving permission to a 3rd party to obtain my private SS info and don't trust them with my Social Security number.

I chose to do business with Synchrony Bank not this random 3rd party.

I told them I have no issue sending them a copy of my ss card or taking into one of their banks or stores to verify.

Can you help me please!!

I want to keep these accts open, BUT with all the recent data breaches going on I don't feel comfortable giving their 3rd party permission to obtain my SS info..
Product: Debt collection

I sent a death validation letter on XX/XX/XXXX requesting copies of agreements with the client the grants them to collect a debt signed agreement with the debtor yeah that I have a contract all obligation to pay the debt collector any agreement the bear signature of myself to pay the creditor all statements why the account was open. I also requested the name and address of the ledge predator the name on fall of the ledge debtor alleged account number address on file for the lodge debtor amount of the alleged at the date to do that became payable the date of the original delinquency, And stating they had 30 days to return the information to me.All I received back from them was a letter stating that their information was correct, they did not send any proof of the debt, I also did not get that letter till today which is the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Correct Data : Account PAID As Agreed ( In FULL ) ON Time XXXX XXXX -All Bureaus. 

Current XXXX TransUnion Report : Older Derogatory Events : XXXX  Days ( XX/XX/2017 ) Older Derogatory Events : XXXX  Days ( XX/XX/2017 ) The information, containing derogatory dates, is unique & and misaligned in comparison to the same account data across both XXXX and XXXX. I did not authorize these inputs of inaccuracies. 

This Data Needs to be removed.
Product: Credit card or prepaid card

On XX/XX/22, I noticed a pending balance transfer in the amount of {$1900.00}, which I did not request, nor authorize. This transaction was scheduled to transfer a " portion '' of the current balance on my XXXX XXXX XXXX account to my new Discover Card account. Upon applying for the Discover Card, I specifically requested a " full '' balance transfer in the amount of {$6200.00} so as to fully pay-off my XXXX card XXXX Discover only approved me for {$2000.00}, & took it upon themselves to initiate a " partial '' balance transfer of {$1900.00} with a fee of {$57.00}, without my consent! I immediately began chatting with, and calling numerous Discover agents to resolve the company 's error. First, I applied for a credit limit increase, but was denied, so I explained how I was only interested in completely paying my XXXX balance off, and not wanting to add an additional creditor with another monthly payment to my current situation, and if I couldn't be approved for the full amount that I applied for, then a complete rejection would be in order, because anything less would not be authorized by me. I proceeded to request that the pending transfer be cancelled/disputed, but each Discover agent I spoke with said that the transfer could not be cancelled/disputed while in a " pending '' status, and that I must call back once it's actually posted. Later that evening, the transfer posted, and I resumed chatting and calling the next day, requesting once again that the transfer be cancelled/disputed, just to be misinformed by each agent over a few different days worth of very lengthy chat sessions and phone calls. The final straw for me, was on XX/XX/22 at XXXX pm, when chatting with XXXX in Utah, he told me that " since the creditor received the funds, we aren't able to help dispute the transfer! '' Please review the enclosed supporting documents, as well as the above-mentioned chat sessions in my account.
Product: Student loan

My wife and I have consolidated federal student loans through Navient. We are both going to graduate school and both sent in student loan deferment request forms. We have been going back and forth with them for weeks. The first time we called, they claimed they did n't have my wife 's form, but had my form so we sent hers again. We then get a denial letter and when we called, they said it was because they did n't have my form, even though the first call they said they had mine. So, I had my school send it again. Finally, we got an APPROVAL letter and that our deferment was effective immediately. Two days later, we received another denial letter. WHAT?? The letter states they did n't have my form, in which I sent it AGAIN. I was flabbergasted how they could send was an approval letter and 2 days later send a denial letter. Now they have both our forms supposedly but state mine is n't filled out properly. Keep in mind that our schools have to fill these forms out ... .they do this all the time. My advisor states the form she filled out is filled out the same way she always fills it out and this is the first time she 's had a problem with it. I 've been off and on the phone with them for weeks with no resolution. Have the time I 'm on the phone, the representative barely speaks English and she doens't undertstand what I 'm trying to get across. I have proof of approval and then 2 days later a denial and now no one at Navient seems to know what to do. Please help.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 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. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a 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. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to Equifax, XXXX ( XXXXurnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state 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 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedure. 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 service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Volvo Car Financial Services has charged off an account that was never delinquent and in voluntary forbearance and covered by the reporting regulations within section 4021 of the CARES Act. 

The account was opened for " excess millage '' from a previous leased vehicle. The lease was returned in XX/XX/XXXX ( XX/XX/XXXX ) but the account stayed open to cover the above referenced charges. Volvo Car Financial Services, a company we have been doing business with for many years and continue to do so today, placed this account into a voluntary forbearance due to the Covid-19 crisis and then abruptly changed the accounts reported status to " Charged-Off '' in XXXX ( XX/XX/XXXX ). 

In XXXX ( XX/XX/XXXX ) when these changes were noticed we contacted Volvo Car Financial Services to inquire about the status change. We were told by Volvo Car Financial Services that they were not aware of any changes to credit reporting requirements within the CARES act and thus " had the freedom to charge-off and report any account they deemed delinquent ''. 

Again, this account was never reported as delinquent and was reported as " current '' and " paid as agreed '' from XX/XX/XXXX to the time of charge-off in XX/XX/XXXX. 

Also in XXXX ( XX/XX/XXXX ) a dispute was opened with XXXX to further attempt to rectify this situation. The results of the dispute found in favor of Volvo Car Financial Services and a reinvestigation was denied. We have since attempted to contact Volvo Car Financial Services multiple times and have been hung up on or transferred endlessly through a never ending stream of representatives.
Product: Credit card or prepaid card

RE : USDirect Express and Comerica Bank On XX/XX/2019 at XXXX XXXX I noticed fraudulent ATM withdrawals on my online account of over {$1400.00}. I had my card in my hands and I was at home during these ATM posts. So the card had been duplicated. I called my bank and reported the fraudulent activity. 2 hours later at the end of my call the employee stated I would receive the stolen funds within two days but at the latest by XX/XX/XXXX if I got the proper documents to her that day. 20 minutes later my attorney faxed all the papers and received fax confirmation. I called XX/XX/XXXX after still having no funds to live off of and hours later was told they had ten business days by a very rude employee. My attorney has faxed two more letters along with information and again had fax confirmation as wells as mailed via USPS. It is now XX/XX/XXXX, I am facing eviction because my money was stolen and the bank is not doing their job or standing by their Liability. My attorney has been trying to call them for days and it says " we are experiencing high call volume '' then hangs up. I am a XXXX XXXX  man with no way to feed my family or provide for them and this banking company is not standing by their publications that states " it will be reimbursed within 10 days. '' I have received no documents, emails or phone calls from this bank and its almost impossible to speak to an employee. This company should not be allowed to process any of the federal government 's funds.
Product: Credit card or prepaid card

I will present the facts, and clarify the nature of the complaint. I currently have a XXXX  Citi XXXX  credit card. I had a charge of {$59.00} that began in XXXX without my knowledge. The scam was committed by a hacker posing as XXXX XXXX. I was charged every month during XXXX totaling {$720.00}. I even changed cards multiple times and Citi XXXX  allowed this Hacker to continue charging my account after new cards were issued. I was charged {$720.00} during the entire year XXXX. Citi XXXX  has given my account a provisional credit of {$360.00} that is in a to be determined status. I am a XXXX XXXX as well as a 100 % XXXXXXXX XXXX XXXX. I never had a relationship with this scam or a trial offer nor did I provide them my credit card information. This {$1400.00} scam is putting a hardship on my wife and myself. There has never been an issue prior to this, so in other words I am not negligent or careless with security of my personal information. I pray for the relief and ask for reconsideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with First Progress since XX/XX/XXXX. I noticed incorrect information and billing errors on my Consumer Report from First Progress. 
XX/XX/XXXX, I sent a letter and Truth of Affidavit to First Progress, requesting proof of all 12 late payments they have reported on my consumer report and I requested a credit limit extension .They have removed 8 late payments, then closed my account XX/XX/XXXX after sending a payment the previous month. 

After First Progress closed the account in my name and Consumer Information, I received another bill in the mail for XX/XX/XXXX ( a clear Billing Error ). 
I have mailed First Progress a letter stating that there are multiple Billing Errors on my Account and accounts should not be closed during investigations. 
This violates 15 U.S. Code 1666. 

This has caused hard to my Consumer Report and continues to cause harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my XXXX, XXXX, and Equifax reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, Equifax, or XXXX they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.
Product: Debt collection

There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. 
XXXX XXXX XXXX Simons Agency Inc Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.