23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am an XXXX XXXX XXXX service member that has been taken advantage of by multiple mortgage companies which have serviced my loan. I originally got this loan with the XXXX XXXX in XX/XX/XXXX while stationed in XXXX XXXX. Country Wide informed me that I could n't use my VA loan benefit because I had used it before, therefore I had to use a conventional loan and required to put down 10 % which I did not knowing any better. During the housing crisis Country Wide sold my loan to XXXX XXXX XXXX and at this time, due to finical reasons I applied to the HARP program thru XXXX XXXX XXXX and was granted a fixed lower interest rate of 2 % that was what I understood I had asked on multiple occasions and XXXX XXXX XXXX confirmed my payment was now {$850.00} for the duration of the loan. I was notified one day that my loan had been sold to Seturus, my current mortgage company and continued to pay {$850.00} for approximately 5 years on time, all the time. I recently received a noticed a few months ago that my interest had been raised to 3 %, I was upset the new amount is now {$910.00}. I am still XXXX XXXX XXXX and was under the understanding the Sailors and Soldier 's Act of XX/XX/XXXX prevented companies from unexpectedly raised interest on XXXX XXXX members while still in active status. I called and got nowhere with them, and decided to pay the new amount of {$910.00}. To my surprise I must have offended someone I guest because, my balance after that phone call was increased by {$53000.00} yes that 's XXXX. I have now idea what 's going on my interest rate is now 3 % and I owe XXXX up from XXXX just a month ago. I called and that 's what their system shows all of a sudden. Please help I have attached statements to prove what I am saying. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my Equifax report at least 5 times by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them 3x and to be told their systems are down or they unlock my account but have to wait 24 hrs to have access. I also been hang up. 
Dates : XX/XX/20. 3 times called to get help logging, reset password. No help. Unlocked account told to create a new password with agent on the line but unable to get in. In background you could hear cheering and I asked what was going ... representative said someone sold something. I thought I was speaking to Equifax credit report agent then he told me to wait half an hour to try to log in. He then said the system is down. I called two hours later with the same issues and the agent hang up on me. 

XX/XX/20 : I tried to get my Equifax report again by trying to sign in their website. I keep on getting errors and ask to call their XXXX. I have called them again and some to an agent for 30 hour. She stated their system is down and could not help me with log in. I told her that I wanted to dispute some items. She took my personal information and confirmed my identity. She then took down what I was disputing then put me hold. I was with her on the phone for over 30 minutes to only get hung up again. 

Please help me resolved this issued. My information has been compromised by Equifax and I need to make sure to correct the errors. I have done research and I am not the only person having this issued.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information from my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

It has come to my attention that you have included erroneous information in my credit profile without maintaining reasonable procedures to ensure its accuracy, as required by law. This violates FCRA regulations and federal statutes governing credit reporting, including 15 U.S. Code 1681n, 1681o, and 1692k. 

Specifically, I request the following actions : Removal of Inaccurate Information : Please block and remove the following items from my credit report immediately. 

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Legal Basis : Under the FCRA, disputed items must be supported by evidence. Any item that can not be substantiated should not appear on my credit report.

Monetary Compensation : Pursuant to FCRA 15 U.S.C. 1681i ( 6 ), I am entitled to monetary compensation for multiple violations of the FCRA.

Compliance with FCRA Guidelines : Ensure compliance with FCRA provisions regarding the accuracy of consumer reports and the timely notification of investigation results.

Please address these issues promptly, as required by law. Failure to do so may result in further legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( CBNA or CitiBank North America ) has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604-A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Product: Debt collection

I received a call in XX/XX/2016 regarding an attempt to serve me with court documents to take me to court of a payday loan from Check Into Cash. XXXX XXXX XXXX contacted me at my work threatening to serve me papers at home and if I was not home to accept they would serve me at work. I had not talked to anyone regarding this issue or received anything by mail regarding this debt collection prior to this. When I did speak with someone they were not flexible on making payment arrangements. They basically told me how I had to repay the debt without any consideration of any of my other debt I had going on. I was given a deadline to submit a small payment and then once that was paid I had 3 months to pay {$240.00} monthly by the XXXX of each month ( XX/XX/XXXX ). When I did not pay on XXXX/XXXX/16 they began harassing me again and leaving messages at my employer. I previously stated to them I could not receive personal calls, but yet they still called and left messages. I made the XX/XX/XXXX payment when I was able to in XX/XX/XXXX, but also requested they provide me something in writing regarding this matter as they still had not provided anything to me in writing. I also requested in writing they not contact me at work because I could not receive personal calls. On XX/XX/2016 and XX/XX/2016 I received voicemails from XXXX XXXX regarding XX/XX/2016 payment not received. The message I received was asking that I provide something in writing or make contact if I am not able to make the payments timely, but why would if they were not flexible in the beginning and they demanded I make payments on the XXXX of each month. Realistically that was impossible for me. I received a voicemail today telling me I was going to be served papers again on XX/XX/2016 and I needed to be home between XX/XX/XXXX to receive these documents. I have to work. I also commute to work, so how am I supposed to be home between XX/XX/XXXX to receive anything especially when they have never mailed me another regarding the debt.
Product: Payday loan, title loan, or personal loan

In XXXX I recieved a auto tie loan for {$2500.00} from loan mart XXXX Wheels Financial LLC on XXXX XXXX XXXX CA. Corporate office is in XXXX XXXX CA. I had paid in full and they also Repossessed my vehicle. I then took them to court to sue them for excessive damages XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX case XXXX, XXXX vs. XXXX XXXX XXXX for Wheels Financial Group LLC.The judge made a final discovery and closed this collections stating that each parties do Not owe the others and that my account was paid in full. Since this date Wheels Financial has violated a court order and has continued to ruin my credit to this day. They were supposed to have closed my file as a debt has been ordered to been paid in full. They are now committing fraud and extortion and will not remove the the accumulated amount of {$16000.00} on my credit report and will not fix the credit problem they have caused on my credit score and remove and stop the negative unowed balance causing severe damage to my credit report and will not lift the repo claim from my vehicle they stole with a faulty title lien following the paid in full status. This has occurred more than seven years. I have contacted the credit agencies and they will not remove it either. I contacted Wheels Financial and they refuse to remove and fix the damage done. My bank statements prove the title loan was paid off. Payments were maid through XXXX account I had In the past.
Product: Debt collection

Equifax will not removed a debt of XXXX that doesnt belong to me, from my Credit report Ive called and also mailed court documents and also did a dispute with my court documents that this is not my debt completed online also. But still not off my credit this has been on my credit for 2 years with equifax.
Product: Checking or savings account

they need to restore my funds by a fraudulent company. ( XXXX XXXX XXXX XXXX XXXX, Al for {$1000.00}. used to be a good company now they are doing theft by deception. Truist bank has all the documentation to correct this and pull funds from XXXX XXXX where the so called owner deposited the check. they ruled on this case within a hr of receiving information without doing a proper investigation. there bank agreement says they will protect us from fraud. the local branch said it would be back in 48 hrs. its been several weeks and i appealed there decision. Truist is not helping there customers with fraud and put you on ignore
Product: Checking or savings account

In XX/XX/2019 I deposited my short term XXXX check that Anthem had sent me check # XXXX ( XXXX XXXX XXXX ) from XXXX XXXX XXXX ( XXXX ) for the Amount of {$7800.00}. The account was created the day I deposited the check through Suntrust Bank in XXXX Va. The bank teller took all my info and made a copy of my Military ID and my SSN card. Opened a Savings and Checking account. The clerk printed my paperwork out gave me a packet with starter checks and deposit forms and my banking info. The next day I called and made sure my check had deposited and teller had told me yes the funds were available. So not having a ATM card at that time I went to Suntrust where I opened account and went in to withdraw some money and there they told me the clerk that opened my account did not get the proper ID information and therefore they had froze and will close the account for further investigation. I had informed the Manager that that was not my fault and I needed to either get the check back or I needed Suntrust to contact the check holder ( XXXX XXXX XXXX ) to reclaim check so I could get the check reissued back to me. Suntrust has given me the run around for a year and four months now. I had requested several times for Suntrust to notify XXXX XXXX XXXX they had this check on hold and they needed to reclaim it, but they said I had to get with the check holder and notify them of that the check was on hold. I have and the check holder said they tried to call and couldn't get any info on this. I need some assistance on getting the money that is owed to me back.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was approved and was issued by Chase Bank. I contacted Chase and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case and a notarized Affidavit of Fraud.This was mailed on X/XX/17. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. I also faxed a request to the Chase Correspondence Team on XXXX/XXXX/17 and have not received the information. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a dispute to EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I informed them that they were reporting inaccurate information in my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This item is inaccurate because the Payment History, The Date Last Active, and The Account Status are wrong, I am requesting this item be removed from my file immediately. 

I also supplied supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to XXXX, transunion, and XXXX regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.
Product: Debt collection

Today XX/XX/XXXX XXXX XXXX XXXX reported to credit bureaus that I opened an account on XX/XX/XXXX. In reality this was an Old XXXX account that has been closed since XXXX. Today I contacted XXXX and spoke to XXXX. He checked this account XXXX and stated account has been fully closed since XXXX, no history nor amount nor any remarks on this account. Paid in full. I asked Southwest why are they reporting this XXXX old account as a new Collection but a reason was not given. This has damaged my good credit scores. Now I can not purchase a home.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( XXXX  XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the canceled debt of {$9800.00} to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { XXXX  } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802.

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I opted for no-contract XXXX XXXX and XXXX service in XX/XX/year>. Since my current mobile service expires in XX/XX/year>, I thought I would wait to activate the service until then and only activate the internet for now. 

I am aware that companies can surprise charge you. To avoid this, I called an XXXX XXXX rep. I explained my situation, and the rep mentioned that a delay option was unavailable. However, they could close my account and reopen it in XXXX or whenever I need it without any issues or costs. 

I asked what if I get charged in the future, if not now, for doing this, and the rep mentioned that they could not see any fees linked to my account and that since I had never activated or used the mobile service, they could close it and assured me that I will not be charged now or in future. I asked them again to check with their colleagues to avoid any complications in the future, and they assured me that I would not be charged with any hidden/junk/surprise/activation fee. 

I cross-checked my account, and there was no fee or outstanding balance since I never used/activated the service. But I asked XXXX times in total that if there is a charge, I would rather not close it because I liked the plan. I am still using their Internet service. 

I approved closing my account since there was no charge. They closed my account and removed my credit card details. Later, on XXXX XXXX, I received an XXXX email that wrongfully said that my account was disconnected on XXXX XXXX due to non-payment of an outstanding bill of {$99.00} for my mobile account. I immediately called the XXXX XXXX dept and asked them for an explanation ; they mentioned that since I did not close my account within 14 days of opting for the service, I am being charged a fee. I told them that an Xfinity rep assured me I would not be charged, so I approved closing my account ; otherwise, I would have used the service and avoided the charge. I also asked them to investigate the earlier rep conversation and escalate it because of the false info they provided and misguided a customer willing to opt for their services. They said they would escalate it, and I should get a notification via email/call, but I never received anything from them again. 

Later, it was sent to Credence Resource Management LLC for collection, and they, in turn, reported this Credit Bureau, which I learned when I was planning to buy a car after someone hit my car. This action dropped my credit score by over XXXX points, blocking me from buying a car. Now, my family is without a car, opting for XXXX daily for a cost. 

I request that CFPB investigate this case, which is based on providing false information to existing customers and misguiding them to incur unwanted hidden/junk charges that have also affected customer 's credit score, intent to finance anything and life overall.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT INQUIRES HAS VIOLATED MY RIGHTS -FACTUAL DATA. XX/XX/XXXX -FACTUAL DATA. XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 MI WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX on capital one auto loan, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Student loan

My loans are fully covered under the XXXX XXXX XXXX  class action lawsuit. I am part of the automatic discharge group. My school Was closed down due to egregious fraud in advertisement, unethical behaviors and business practices. I have been paying on private loans taken out by my school from navient for over a decade as well. These loans I believe should be discharged as they are the exact same situation as my other federal loans- from a school and program that frauded its students into believing they were marketable at a certain level which they are not. I have reached out to navient and submitted my accepted borrowers defense application multiple times. They only continue to increase my payment, call and leave me voicemails about payment options and send me mailings about refinancing and payment options. I have continued to pay for these loans that should Be discharged, ethically.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX. Equifax, AFTER my written and repeated requests and without reason, refuses to provide me with an 'ARCHIVED ' record of my credit score for XX/XX/2020. 
XXXX. The downloaded documents detail that ( Attachment # 1 ) Equifax provided me with my current score. That's not what I wrote them for ( Attachment # 2 ). 
XXXX. Equifax KNOWINGLY refuses to provide me with a record of my score history, because they asked me to submit verification information that THEY ALREADY HAD. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX adversely affected my credit score when they informed me that they retrieved a score from Equifax that resulted in their decision to administer adverse actions against me based upon 'Delinquency '. XXXX Attachment # 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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