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

In accordance with the fair credit reporting act XXXX account # XXXXXXXX XXXX XXXXXXXX : XXXX XXXX {$380.00} collection XXXX XXXX  : XXXX XXXX {$270.00} collection XXXX XXXX XXXX : XXXX XXXX {$53.00} collection XXXX XXXX XXXX XXXX XXXX {$440.00} collection XXXX XXXX XXXX XXXX XXXX {$18000.00} collection XXXX XXXX XX/XX/XXXX {$2600.00} collection XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX, an XXXX XXXX inquiries XXXX XXXX  XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX inquiries 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 in account without my written instructions
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under RMP Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card

I purchased an XXXX at XXXX XXXX AFTER being told I could have interest free financing. Now Ive been fighting for months with them because they keep trying to take the entire balance at once. The option for the installment financing even popped up on the card reader. Now they are telling me that the promotional installments are only for purchases directly from Apple. Customer service doesnt care. Even when I told them I know they are already in trouble for this exact issue, the Goldman Sachs employees told me I misunderstood and they refused to fix it. Now my house payment is going to bounce. This was a {$1900.00} purchase I would NOT have made without getting installment payments.
Product: Checking or savings account

I deposited my student loan to my husbands account because I do not have my own bank account. Fifth third apparently told the person Who is responsible for financial aod at my college was in contact with the bank for the past two weeks and told them that the funds were released but they werent. 
it has been about two weeks since we deposited the check and now they are not answering the phone for me, or my schools financial aid office. my schools Financial aid office has tried repeatedly to contact them, but they do not answer their phones.
Product: Student loan

I have been trying to get this resolved since XXXX. Navient is doing what XXXX XXXX did. Forcing deferment to force added fees and late fees when they refuse to offer an income based repayment plan. Then in the middle of their fraudulent activity they sell to another service provided or rename themselves so they can start all over again doing the same thing that got XXXX XXXX a class action suit. And our government lets them do it. The last complaint I filed they said they were the wrong organization to contact. They don't say who is the right one is, and all I can use is what is on the website I log in to. So where does that leave me? I keep getting collection calls because they waited until after the due date to give me an IBR, I am making my monthly payments, but they are wrecking my credit and adding late fees on top of the other fees they have assessed. I need to find out the other people they have done this to and get another class action suit against them. I just don't know how to do that and don't have the time or means to figure it out. Here is my complaint ID XXXX. I still have the same complaint, nothing has changed. If they can get by with claiming they are not the correct company, when they are the ones who have failed to process my student loan, then there basically is no recourse and filing a complaint with this group is a fruitless effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX years old without telling me how nor showing proof...
Product: Mortgage

I want the Equifax company to send me a dispute with my credit company on the dark web showing my accounts were hacked from error reference in referral due yo the irs 140e9 affidavit identity theft issue. My account was barred from XXXX XXXX a XXXX XXXX report from my XXXX XXXX that my attorney barred the account. I was reinstated from the bank with XXXX XXXX XXXX. I lost my employee ID and company business was shut down. I think it was possible to update after the dispute from my error on the background report was paid. By filing a bankruptcy dispute with Equifax considering XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing my taxes were sent for collection and bargained the state with my collection notice number. Also send a state bar notice for for misconduct to my XXXX XXXX XXXX  and XXXX XXXX parts bank account broker with Equifax.
Product: Credit reporting or other personal consumer reports

I will file a complaint with Credit Karma as well. I was shopping rates on Credit Karma and wanted to see the terms I would get on a soft pull. The card was opened immediately without my consent. I called XXXX XXXX and requested to close the account immediately after I got notification that the card was opened ( within mins ) The card was closed fine however they were still going to report it to the credit bureau as a closed card. I do not believe this is right if a person has called immediately after the opening of an account. They tell me they have no ways of pulling this information off the credit report when they are the ones who send the report to the credit bureaus they absolutely should be able to turn around and either XXXX stop the reporting of it XXXX not report accounts that have been closed within XXXX hours of opening. After I confirmed the account was closed of course there was a hit on my credit which should not be registered or removed upon closing. Less than a few weeks later I get a statement saying there's a {$120.00} balance. I called immediately and found out there was an annual charge still on this card. Not only was I not given what the terms were in my exact credit scenario, they charged a annual fee that if i actually were going to get the card and keep it wouldn't have known because no terms were shown to me. This started with Credit Karma but I am am submitting a complain to XXXX XXXX for reporting improperly and inaccurate information on my credit report.
Product: Student loan

Graduation 2006. $ XXXXdebt/Flooded in Katrina . Home flooded, my wife and children had to relocate/join me in TN. Have aggressively paid Loans. We Question how Principle is applied, the 10Year Forgiveness Program, and Income-Based Exclusionary Loan Forgiveness Program. Responsibile Good Stewards of Loan Repayments. Countless phone calls, begging, seeking Resolution. 1st complaint XXXX. The process restarts with a new high school graduate, Been unable to contribute to a college fund. Navient is Criminal and Stifling in its Loan Practice. MS Navient Lawsuit/Attorney General XXXX XXXX. Balance- {$19000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website. 
I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record
Product: Credit reporting, credit repair services, or other personal consumer reports

we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXXXXXX equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING DENIED EMPLOYMENT
Product: Debt collection

I have been getting repeated calls from callers saying they are with Transworld Systems for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from Transworld Systems. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my XXXX XXXX account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent Transworld a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
Product: Student loan

I will be XXXX by XX/XX/XXXX. What option if there is XXXX for cancellation or forgiveness I am struggling making payments of {$150.00} an {$50.00} in other ( XXXX loans ) total more than {$200.00} with a {$28000.00} salary, my wife does not work, I been paying since 2003 getting worse because I am diabetic and wife have health issues too. 
I do have another loan with wells fargo for {$380.00} and {$180.00} home assoc magmt payments please advise! 

thank you
Product: Credit card or prepaid card

I opened the car in XXXX XXXX. With a limit of around XXXX. In XX/XX/XXXX my limit was dropped to XXXX. I called and tried to get someone to fix it but they treated me horribly. I asked for a manager and the person placed me on hold and came back to the phone stating a different name saying he was the manager. When I told him I knew he wasnt he argued with me. He told me they would not review my account or credit and that they dont make mistakes. They told me that was all I could have so i instead asked for an increase with another card and was granted it so I didnt need to use this card. I just received post dated for XX/XX/XXXX saying they made and error and should not have approved me in XXXX stating my score was XXXX at that time. It was not. My score at that time was 690-700 between the three bureaus. I also did not have high balances on my cards and this letter said that I did. This is a shady business practice because this is not my information and this company needs to be investigated for credit discrepancies or inaccurate reporting. This is synchrony Ashley furniture store card.
Product: Credit card or prepaid card

OneMain Financial placed a block on my credit card 2 months ago and refuses to tell me why or how to get the block removed. I've called the company for the past 60 days asking for guidance on what needs to be done. In my first call in XXXX I was told I needed to call my financial institution to have the block removed; meaning call my personal financial institution that I make payments from to OneMain to have the block removed. On my second call at the beginning of XXXX I was told that my name would go on a list and they are slowly working down the list to remove blocks. On my third call in XXXX I was told that a letter was mailed out to me to tell me how to lift the block but that they couldn't tell me what was in the letter or when exactly it was sent. On my call today I was told the same, a letter will be mailed to me but they don't know when. Each time I request a supervisor no one is available and I will have to wait XXXX to 5 days for a callback for which I have never received. OneMain charged me an annual fee to use a card for which they have restricted the use of and refuse to tell me what I need to do to have the restriction lifted! I would like the annual fee refunded and the block removed from my card!
Product: Mortgage

Over the past few months Chase has sent me letters about ways to contact them to discuss my mortgage. I have tried calling the phone numbers they provide on their letters only to dial the extension they provide and have the call automatically hang up. When a rep does answer the phone, they say they have no record of the letter. That is what happened today when I called regarding the letter dated XXXX/XXXX/15. I also tried again to call the number and extension on the letter dated XXXX/XXXX/15 only to get a recording that the extension is not valid and the call automatically disconnected. My complaint is that Chase is sending me letters with false contact information and this is an unfair business practice. Chase and other banks should not be allowed to send their customers with false and misleading information on their letters.
Product: Debt collection

As astra put a collection on my credit reports on XX/XX/XXXX the debt was signed with XXXX XXXX  on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. XXXX XXXX any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make XXXX XXXX show there records to prove that in court. but let assume they did after XXXX months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not XXXX maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it XXXX XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several certified letters to all  XXXX  credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I received a letter on XX/XX/XXXX confirming that my automatic payments had been cancelled for my mortgage with Primary Residential Mortgage. I did not ever request a cancellation, so my wife tried to rectify the situation online by turning on automatic payments, with no luck. I then received an email from a new mortgage company, XXXX, on XX/XX/XXXX alerting me that they were now servicing my mortgage, starting XX/XX/XXXX, XXXX days later. I was unable to make a payment on my mortgage today when payment is due because I was not properly informed of the transfer in the proper timeline. I believe federal law dictates a minimum of XXXX days notice before the transfer of the mortgage. Any notification came XXXX days before the transfer, with no notification coming from our original mortgage company, PRM.
Product: Credit reporting or other personal consumer reports

Ive expressed my frustration with capital one regarding my late payment thats reporting. Capital one is furnishing an inaccurate and incorrect reporting. 

No, The reporting of such an accurate information has caused severe damage to my character my reputation my way of living my abilities, obtain credit for personal house purposes this has severely damaged my livelihood. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My TRANSACTIONS is my payment history And my experience is the amount of credit im using that was extended to me. 

So the law clearly stats that my credit report should NOT include TRANSACTIONS AND EXPERIENCES which it currently does which would be against what the law mentions.
Product: Mortgage

During my recent refinance of my mortgage loan I believe my mortgage servicer made several errors in the processing of my loan and violated RESPA and TILA. 

I began the process of refinancing on XX/XX/2019 with XXXX XXXX NMLS XXXX Loan Advisor with Freedom Mortgage. Freedom Mortgage was my existing loan servicer and as such I felt they had my best interests in mind. This was proposed to me as a streamlined VA loan refinance to reduce my interest rate. I read through the documents and signed my closing disclosure and continued. I set my closing for XX/XX/2019 with XXXX XXXX   XXXX. I was presented a 2nd Closing Disclosure at Closing which I believed was due to the fact of making my mortgage payment in XXXX. I proceeded through the closing as the was only slightly less favorable to me. I then received a 3rd closing disclosure on XX/XX/2019 from XXXX XXXX  XXXX. This closing disclosure was more unfavorable to me and I began reaching out to Freedom Mortgage to try to find answers. Although repeatedly requesting a detailed, full and clear, written explanation of what occurred both XXXX XXXX and his supervisor XXXX XXXX NMLS XXXX did not oblige. 
In my emails to Mr XXXX and XXXX, I also indicated that the mortgage payment I made in XXXX should not be refunded, but rather applied directly to my account. As of this point, neither has occurred. I began reviewing the new loan documents after they became available and was troubled to find that my principal had increased significantly. My original mortgage remaining principal of {$290000.00} was paid on XX/XX/2019, and a new loan was created with a beginning balance of {$290000.00}. I was told by both Mr XXXX and XXXX that my principal would not change, that this was a streamlined VA rate reduction refinance and that the only thing that would be changing would be my interest rate. I have now lost almost {$2000.00} in principal and the related interest for the last two months, along with my XXXX payment of {$1800.00} that should have gone completely against principal, along with the associated interest. 
Furthermore now, I received a letter on XX/XX/2019 from my homeowners insurance company intending to cancel my policy due to lack of payment. I was not advised ahead of time that a new escrow account was going to be opened, but since it was I am not sure as to why Freedom Mortgage has not paid my homeowners insurance.
Product: Credit reporting or other personal consumer reports

Yes, I called Trans Union on first week of XX/XX/scrub> 2024 with unauthorized inquiries on my report and they told me that since they were XXXX months old, there was nothing they can do about it. This is legally affecting my credit and I told them that I didnt authorize those inquiries and they should remove them.