23daVinci/CFPB_Complaints huggingface dataset:
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  Account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXXXXXX XXXX  XXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent ; accounts 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 an account without my written instructions I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you
Product: Checking or savings account

I have placed a fraud report with Bank of America in XX/XX/2020 due to an unauthorize XXXX transaction. I received an email and all stating funds will be returned from XXXX which I never authorize for any removal or transfer any funds. I then called Bank of America in the middle of XXXX where I spoke with XXXX from Tennessee who said my case was closed with no letter, call or email giving me status on my report. XXXX then reopened my case on XX/XX/2020, case # XXXX. I place my funds in this FDIC Institution for security reason and still can't be protected. I had a previous issue back in XXXX and XX/XX/2020 where my bank card kept getting transaction from XXXX that I did not authorize and they refunded me my funds until they decide if it was a fraud or not. Of course it came to be a fraud transaction. My bank card had to be changed 3 times. Now with these 3 XXXX transaction of {$990.00} the bank does not want to refund me or anything. During this pandemic so many things are happening and a federal institute isn't even willing to help. All other times they have frozen my account due to weird transactions and all, where I had to call them and confirm with them it was me doing these transaction. But the one time I need there security and help and I get NOTHING. What would be my next step. Please help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX
Product: Student loan

I was notified on XX/XX/year> that Federal Student Aid ( FSA ) had approved me for PSLF. On XX/XX/year> XXXX conveyed a message to MOHELA to discharge my loans. I called MOHELA on XX/XX/year> and requested that they detail why they had not discharged my loans after receiving notification from FSA to discharge my loans through PSLF, but MOHELA stated they had an account transaction error and it would take up to 90 days to " rebuild my account '' and then discharge my loans. This makes no sense and is not transparent, and should not take this long. It makes no sense that MOHELA needs to rebuild the account to issue forgiveness, when FSA has already stated that forgiveness needs to be issued to my account. My loans should be discharged and then if the account needs to be rebuilt for refund purposes, this can happen on the back end.
Product: Mortgage

Our mortgage was finally modified on XX/XX/XXXX after a 2 years of struggling to get approved from XXXX XXXX XXXX and in great THANKS to your involvement. Our original mortgage was thrown into default by Bank of America force placing a XXXX flood insurance on our loan for no just cause, we called them to cancel it and got a run around every time until finally between adjustment rates and over due fees and additional unnecessary insurance we fell behind. Now conveniently enough SLS has given back the servicing rights to Bank of AMERICA and we just got a notice from Bank of America that our mortgage is going from {$2300.00} to {$3500.00} as of XX/XX/XXXX 
Our nightmare is going to start all over again unless you help us! My husband is on a fixed Social Security XXXX and we on a strict budget with all our expenses. XXXX XXXX Servicing paid XXXX Homeowners Insurances and I called Bank of America the XXXX time on XX/XX/XXXX and spoke to XXXX at XXXX extension XXXX, she explained to us that their system takes about 15 to 30 days to update and to keep calling every week to make sure they have the XXXX files already in their system, without they can not assist. As of yesterday XX/XX/XXXX they still do not have records showing the homeowners Insurance payment history updated and we are in a time crunch for XXXX 's mortgage payment to take effect. I understand we 60 days for changes to be fully in place with the transferring of servicers ' but this is all an unnecessary evil happening all over again. 
Attached are the Escrow Statements sent to us by XXXX XXXX Servicing, XXXX escrow statement is from XX/XX/XXXX and then the XXXX escrow statement is dated XX/XX/XXXX. On each individual statement you see a Homeowners Insurance Payment, I found this convenient for them so it looks like its only been paid to XXXX Insurance company and also found having XXXX Escrow statements within a 2 month timeframe a bit odd as well. Bank of America is XXXX again our servicer, we are very happy about that because we believe XXXX XXXX XXXX is a debt collector and knows nothing about servicing home mortgage loans. It 's a very scary world out there for these homeowners dealing with modifications and if you are not scanning all your correspondence you will once again be at risk of losing your home. 
We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.
Product: Student loan

First off, we are responsible and hard working people not looking for a bail out, just company that can operate fairly and accurately. XXXX XXXX XXXX consistently makes vital errors, gives wrong or inaccurate information and has terrible customer service. 

Ever since I consolidated my and my wife 's students loans in 2013 and were set up with XXXX XXXX XXXX XXXX we've had issues when it comes to re certifying our income based loans, inaccurate information and blatant errors. 

Each year they fail to calculate our income based repayment plan properly and we are forced to spend hours on the phone with them or resubmitting paperwork because of their mistakes. Not to mention the thousands of dollars they are costing us. Every year since 2013 they've made errors when recalculating for IBR. Often doing the math wrong or forgetting to add in my or my wife 's loans on both our accounts. Last year they miscalculated 4 times taking 9 months for them to get the payment corrected. During that time both loans were put into forbearance and we were charged nearly {$20000.00} in interest because we were not making payments, due to their error. After endless hours on the phone, being given inaccurate and contradictory information they finally got it correct. Also, I'm on Public Loan Forgiveness and missed 9 months of " qualifying '' payments because of their incompetence. I would have liked to have been paying on my loans, at the correct amount. 

The company makes extremely costly errors, admitting to the errors over the phone and gives inaccurate information. They should be replaced by the Education Department and held accountable. I would venture to say most of our current national student debt issues are caused by these incompetent private companies, due to fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ 0that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and notice 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 1681i 5 they are suppose to do the ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote letter to Transunion since XX/XX/XXXX regarding Accounts that have been Paid and should be Excluded from my Credit Report since it is my right under the FCRA. Accounts that were Paid and have a {$0.00} Balance are XXXX XXXXXXXX opened on XX/XX/XXXX and Personify opened on XX/XX/XXXX are instructed to be Excluded & Block from my Credit Report. There is no notation that I am requesting theses instruction disputes on the " Your statement '' which is also a Violation under FCRA. It has been more than ( 60 ) days which is unacceptable ; This is defaming my character as represented on my Credit Report and causing sever mental stress & mental anguish.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon nor did I sign an agreement. A legal contract is has two signatures of both parties and I did not participate in any of it. Furthermore this debt collector didnt follow the proper 5 step validation procedure which then makes this unfair practices. So, according to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Consumer Loan

I had a loan with TD auto finance. I refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX sent TD a check to payoff the loan and they have proof that the check was recieved by someone at td on XXXX XXXX. Since then they have not cashed the check and they are trying to get me to continue paying them. I 've called them multiple times and they ca n't seem to figure out what happened to the check. I showed them the proof it was recieved and they keep writing a note on the account to research the problem. That 's all they ever tell me. They even spoke to carter federal and admitted to them that their cashiers department is backed up. Well here we are a month later and in 4 days my account for td will be 30 days over due and it will be reported to the credit agency. I have excellent credit and I do n't want it ruined because of a company 's incompetence and failure to cash a check and post it to my account in a reasonable amount of time.
Product: Credit reporting

TRANSUNINION HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reported bankruptcy to XXXX  and XXXX XXXX after saying they would remove
Product: Debt collection

This company is not licensed to collect debt in New York XXXX. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.
Product: Debt collection

On XXXX XXXX I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request. 
XXXX XXXX XXXX, in the amount of {$10000.00}
Product: Debt collection

AFNI INC ACCOUNT XXXX THIS ACCOUNT IS FRAUD AND DOESNT BELONG TO ME. I AM VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want incorrect information to be deleted that does not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX  an account XXXX XXXX XXXX was opened fraudulently in my name without my consent.I did not give authorization to furnish my information for this account. 

On XX/XX/XXXX a hard inquiry for XXXX XXXXXXXX XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX XXXX XXXXXXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry.
Product: Money transfer, virtual currency, or money service

Theres been multiple problems with Zelle I bank with XXXX XXXX XXXXXXXX. My information has been given out way too many times and Ive had way too many problems with theft on my account. Zelle and my bank has failed me to investigate all the way thoroughly through with my problems Ive had with losing money. There has been many times Ive lost funds trying to contact my bank and and never received my money back. There is way too many scams on here and this is not fair to us hard-working people.
Product: Mortgage

Hello. In XXXX I purchased a foreclosed home, I then put about $ XXXX {$60000.00} into repairing and getting it. By the beginning of XXXX the home was completely remodeled, so I reached out to my mortgage company caliber home loans and requested that they remove my PMI and or stop dispersing it to the company that was charging me. On multiple occasions I spoke to representatives at caliber home loans who told me I did not meet the threshold to have it removed, so I then requested information to speak directly with the PMI servicer and they told me I would have to deal with them directly meaning caliber home loans. I requested every time I spoke to them to make a note because I knew my home was valued above the threshold to have the PMI removed but they refused to send me the forms to start the process they said on multiple occasions that it was In the mail, they never arrived. Meanwhile I became a XXXX patient while all this was going on and continue to argue with them about the value of my home and the PMI being unnecessary. As of a couple months ago I went on the website completely frustrated and found a pdf form having just spoke to a representative that told me it was not possible I decided to fill the form out on my own and send in the payment to start the process because I knew I was correct. This past month the broker came out to my house to do the home evaluation and told me my home was valued well above the PMI threshold and that there was no reason that I should have been paying for a PMI insurance for the past two years almost 3 years. I decided to call caliber home loans and explain to them that it is very frustrating that because of the incompetence of their representatives I paid money that I could have been putting towards medical cost towards a service I did not and do not need. They took no responsibility and said that the PMI is now removed and I should be happy with that. Would you be happy if someone stole {$4200.00} from you for a service you never needed? They have taken no responsibility and just told me that they sold my loan to a new company to get away from the problem this is unacceptable I would appreciate assistance on this situation as they continue to disburse money to a company they received a kickback on at my benefit.
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of Education/XXXX XXXX I believe that the Department of Education/XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. 

The details of my complaint are as follows : 1. Creditor 's Name : Department of EducationXXXX 2. Account Number : XXXX 3. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of EducationXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, Experian, XXXX ]. 

Furthermore, I have noticed that the Department of Education/XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. 

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of EducationXXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. 

I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of EducationXXXX adheres to its reporting obligations and corrects the interest charge. 

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX