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

I Consumer, XXXX XXXX extended credit to Best Egg/XXXX XXXX XXXX entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. 

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting that the Best Egg accounts listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 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 ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Product: Credit reporting or other personal consumer reports

i was never late on my XXXX  XXXX XXXX  account I have a letter from XXXX XXXX confirming that I was never late experience reporting inaccurate information
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I notice the company XXXX and G2 risk solution were reporting on my credit report, I called asking question around the lines I think you have unverified information of how did you receive my information with out my permission or signature or written information to opt out I stated please contact me reguarding this matter I have note from bankruptcy court that your information is false and have given not consent and do not report to the major credit bureaus. 

G2 bank risk solutions inc contacted via email XX/XX/XXXX XXXX XXXX sent a letter saying that If I did not give my full social with picture proof Id proof of address and valid driver license an utility bill, stating this information would be used as relevant information and used against me to form a case against me to verify the information and with out the information requested I simply will be ignored until I give all my information to what I believe is a scam, Im not sure why I have to give you my information for you to tell my why you have my information in the first place. Im not give my information to someone I believe is violate my ftc rights that have Been violated since XXXX with all the information enclosed as well bankruptcy letter / ftc report and the list of violations account with this account FCRA SECTION XXXX XXXX XXXX XXXX XXXX XXXX The rest violation is composed in enclosed in doc pdf file
Product: Credit reporting or other personal consumer reports

I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXXXXXX XXXX XXXXXXXX. It say 30 days late for 2 times and 60 days late 2times and 90 days late 3times. This is all inaccurate information. Please remove this account.
Product: Student loan

At the end of  XXXX  I was told that my only option for my student loans was to use the last of my deferment an that I would n't have to make a payment until  XXXX   2017 . In  XXXX  I got a call saying I was past due on my loans. I called an they said that I was past due an could make my account current with the past due amount. I told them that back in  XXXX  I was told I would n't have to make a payment until  XXXX  an the person I spoke with did n't understand the notes that were wrote in  XXXX . He then proceeded to tell me that my co signer could make the payment for me even though I had told him I am no longer working an my husband was in the process of a job change. He said I would need to do a hard ship to see that I could qualify an that they could lower my payments. I sent in the form an today I was told that their is nothing they can do to lower my payments an that when we get back on our feet to make a payment. They have been harassing me an my cosigner with phone calls, even though I was told they would stop calling an make  a note in the file that I could not make a payment. I have looked at refinancing but I just do n't have the credit score or income to qualify. I am hoping that this complaint can help an get me somewhere as I feel like no matter what I do or who I talk to I get a different thing or the run around of an answer. They do n't seem to care about my situation an it just seems they want to make money off me no matter wha t my situation is!
Product: Debt collection

Vance and Huffman LLC has reported a collections account to my credit reporting history. This collections account is in the amount of {$1100.00} for " XXXX XXXX XXXX '' as the original creditor stated that it was opened XX/XX/2021. I did not open any accounts with XXXX XXXX XXXX and have disputed this debt, however I have never been provided a debt validation letter, even after disputing this with the credit bureau. Vance and Huffman LLC has " verified this debt is accurate '' however it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL INCORRECT PERSONAL INFOMATION. 

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. 

XXXX XXXX - Incorrect XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX - Incorrect XXXX - Incorrect 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 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 am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

XX/XX/XXXX {$550.00} was automatically withdrawn from my personal checking for my monthly loan payment with Mohela. Then again on XX/XX/XXXX, another {$550.00} was withdrawn from my checking account. This led me to overdraft my account and incur a {$10.00} overdraft fee. 

I am scheduled to pay Mohela {$550.00} via XXXX XXXX on XX/XX/XXXX for my XXXX payment. I would like to ensure that I won't have this amount take out twice in XXXX and want reimbursement for the additional charge in XXXX. 

On several occasions I have attempted to call Mohela, but never received call backs after selecting that call back option or was hung up on. As a result, I sent a message via my online portal to Mohela on XX/XX/XXXX with not response. I sent another message today hoping for a response.
Product: Checking or savings account

I have had an account with XXXX for nearly a month. Over that time, I've performed over {$98000.00} in online deposits and over {$8000.00} in online withdrawals. All was fine until yesterday when a simple {$1100.00} deposit ( external transfer XXXX XXXX ) was denied. Strangely, the funds were supposed to come from the same bank where I had just sent {$8000.00} two days earlier. That outgoing transfer was accomplished successfully, but somehow a small incoming transfer from the same bank is blocked? That makes no logical sense. They also blocked my online access without notifying me or providing a reason. When I called, they asked me a series of questions about my SSN, mailing address, email address, account numbers, and even my drivers license number. They also texted me a code to prove my identity. Of course, I passed all their tests. But, still, they refuse to tell me why my access to my account is blocked and they refuse to restore my online access until I send them scans of my drivers license, front and back, and a copy of my bank statement from the other bank. I've done nothing wrong, so why am I being treated like a criminal? 

When I asked them to just cancel the transfer, they said I would have to do that myself. Brilliant!! How am I supposed to accomplish that when my online access is blocked? You can't make this stuff up. 

I will not jump through any more hoops for this bank. If they don't restore my online access, I will withdraw all my funds and go to a bank with policies that make sense to a reasonable person. There are plenty of banks out there that don't treat their depositors this way.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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
Product: Money transfer, virtual currency, or money service

Today XX/XX/21 I transferred {$50.00} through my bank through XXXX to a scam landlord for a supposed refundable application fee for an apartment to a XXXX XXXX using email address XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, a credit from a flight was posted on my credit card account - {$45.00}. I could not understand where this credit was coming from therefore I contacted First National Bank to inquire about it. I was assured it was coming from the merchant. I contacted the merchant to make sure the flight hadn't been cancelled and the merchant assured me they did not issue any credits. The type of credit card product I have with XXXX is a travel credit card that includes a {$100.00} travel credit for travel incidentals. I inquired with the bank if the credit could be from those funds and I was told by XXXX that the XXXX XXXX XXXX ( XXXX ) did not match a transaction that would trigger those credits.

Later in the year, when I complained as to why the credits were not being posted on the account, I was told by the bank that the {$45.00} was actually from the previously mentioned pool of credits and that all the allowed {$100.00} were credited on the account. This is completely unacceptable and misleading. On the last correspondence from the bank, XXXX acknowledges bank error and providing misleading information, yet refuses to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED and CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I have a FHA Loan with Loan Depot after refinancing with them a year ago, I have not been working for the last XXXX  months due to a serious health issue. I was unable to make my XXXX and XXXX payments as a result. 

I called Loan Depot XXXX on XX/XX/XXXX ( after a flyer was left on the entrance to my XXXX threatening foreclosure ), specifically to request forbearance. I spoke to a male XXXX who took all my credit information, income expenses and informed that I have to be XXXX  days past due for this to be put in place, but assured me that they had all in formation they needed to proceed. He never made it clear that I have to call back on or after day XXXX. 

I have received numerous phone calls and letters since then. My XXXX and XXXX call happened to be to be same person, who is very petty, vindictive, unprofessional and needs to be retrained. She made a point if telling she is the one I spoke to before, reading her useless notes about me hanging up on her, but nothing about me explaining that I just had XXXX was in pain, as she kept repeating everything I already gone over only to tell me had to call back on XX/XX/XXXX, as that would be day XXXX. 

I called back on Saturday XX/XX/XXXX, as the XXXX was only day XXXX, knowing full well their offices would be closed on Saturday. I believe this was done on purpose and I need these people to be disciplined for their blatant disrespect and mistreatment of their customers. I had a relative who had everything taken care on the first call to their mortgage company, there is something very wrong here and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received.     With your assistance I am re-sending then again.     REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all  3 cr edit reporting agencies all by certified mail  (  copies of receipts enclosed ) re questing you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft.     To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft.     Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the  Consumer Financial protection Agency  for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally.     If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of  XXXX  item have been delete and that the creditor or  collectors ha ve also being advice and have them what is necessary on their part to follow for not to cause any more damages to my credit profile.     I take my credit very seriously and any lack of professionalism and assistance will be.     I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.   I anticipate your response.     Sincerely,   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  ) Balance : {$620.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX  Balance : {$710.00} ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX  ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report an allege bankruptcy that they can not verify. XXXX indicated that the information has been removed and the courts state they do not verify bankruptcy. I would like the consumer agencies to turn over the documents they used to verify this bankruptcy immediately.
Product: Student loan

I called Navient several times over private loan fraud and requested a letter for proof of signature of this loan since filing it with CFPB to go now where. I filed a complaint with the Attorney General which I finally received a letter of no signature on file from Navient and the Attorney General Dismissed the private loan. The problems with Navient to reach customer service and trying to upload documents on their website for school closure for XXXX XXXX to receive no responses when filing this several times with them. They indicated it was involved to recent students for school closing when I won a case with the Attorney General office for a lawsuit of fraud for misrepresentation of my cases from the Attorney General for fraud. I requested for the school closure to be removing XXXX debt since having to transfer credits that XXXX XXXX XXXX indicated that they would honor which they did not. I put this for a whole other complaint with CFPB of transfer of credits while charging me for an entire program of funding from FAFSA. The final issue with Navient was payment arrangements to be setup and while during the COVID issue for putting it under forbearance while charging me interest on the loans during this time. Since the transition from XXXX to XXXX ; my income has dropped to almost half, while inflation has tripled in the past two years. I could only find contract work which almost made me homeless twice and while finding an alternative to move out of the city near family to assist with economic hardship. I have no way of paying my loans due to XXXX and XXXX XXXX XXXXXXXX fraudulent misrepresentation of loans and while working on a XXXX XXXX with XXXX for telling me that a XXXX XXXX wasn't going to be enough for future roles. I went from making XXXX to XXXX while living with my son due to inflation. I am looking to have my loan situation with student loans to be handed through economic hardship and have applied for putting my name on lists for these programs. My loans are standing at XXXX and no way to pay back these loans due to hardship. I am currently XXXX with XXXX in both arms, neck, and shoulders from the type of jobs in the past from falling. I am working on getting XXXX in the near future as well. I am adding this complaint for Navient over interest to loans due to forbearance that did not allow me to make low payments that I could afford. I am adding a complaint for not removing XXXX loans for school closures that I hope to get resolved through CFPB. I plan on filing another Attorney General complaints with this complaint. I am looking for my loans to be declared for an emergency of clearance due to financial hardship and under XXXX of approaching XXXX  years of age. I will not be able to work much longer due to limitations.
Product: Credit reporting or other personal consumer reports

I noticed XXXX and Experian furnishing illegal information on my consumer report. There are late payments reflected on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. There are also Charge offs being reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, these furnishings are illegal and bearing on my credit worthiness.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports