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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 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  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.

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: Credit card or prepaid card

I transferred a balance from an account I had with another Bank in the amount of {$1500.00} to Sears Credit. I was taking advantage of Sear 's promotional 0.00 % Promotional APR on balance transfer until XX/XX/2019. This month I received a bill stating that the monthly minimum payment is {$27.00}. I immediately called Sears numerous times disputing the {$27.00} monthly payment. I told the Sears staff that I had been doing transfer balances on other banks and never been charged a monthly minimum payment on a 0.00 % APR promo. They insisted the minimum monthly amount of {$27.00} is correct.

I feel that this is a deceptive way of getting customers to sign up for balance transfers. I would not have signed up for their balance transfers if I had known of this deception. 
Would you kindly look into this? Thank you. 
Sincerely, XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX a Sherriff showed up at my house to deliver a summons for a lawsuit that LVNV Funding and XXXX XXXX XXXX XXXX XXXX XXXX filed with the XXXX XXXX XXXX XXXX on XX/XX/year>. This experience was very embarrassing as neighbors were able to see this alleged debt being served and I live within a very small community so gossip spreads quickly. 

There is no contract or credit cards with XXXXXXXX XXXX XXXX there is no contract with LVNV Funding or XXXXXXXX XXXX XXXX XXXXXXXX. All of my personal property and belongings are paid off, inclusive of my home and vehicles. Why would I have a credit card when the interest rates are usurious. Seems as if they have failed to abide by 15 USC Section 1692g by not validating this debt properly and my first knowledge of this debt being a lawsuit. 

Also, it seems as if they have misrepresented the documents submitted to the court, the address is not correct ( redacted. ) My wife and I just moved a little over a year ago as well so it seems as if they are trying to collect on this alleged debt from the wrong person, this seems to be a violation of 15 USC 1692e.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  being out of work in XX/XX/XXXX and only drawing two weeks of unemployment that wasnt even close enough to pay bills after XXXX struck my entire family. I feel behind on our home mortgage. The mortgage company has not been very helpful. I have been sending payments in as I can to not get further behind, not sure if there is deferments or not. I wasnt aware that things was so out of hand until, I check the Mail to only find a payment I had sent returned. Sad part about it is I had paid another that same morning that will soon be returned as well. The gentleman who has taken the account over has avoided our calls by all means, if you tell him thanks when hanging up, he says yep.. He talked down on me asking about my job when I had covid and my family had it. Guess he thought my job paid me, well they didnt but I guess thats hard for him to believe. He is real arrogant and just a smart butt and left us not knowing what we owed, no paperwork sent telling us and we are told hes the only person you can talk too! I spoke with him on XX/XX/22 briefly before disconnecting the call on him because of his uncalled for remarks after he more less told me he had tried calling but phone was disconnected and just excuses because he hadnt called. I have proof of my phone not being disconnected. He pretty much through a # at me about whats owed and didnt even offer to break down the charges. I know that I dont owe that kind of amount for just the mortgage. The mortgage is only in this collection department but isnt originally financed through them but when contacting the originally lender, they wont tell you anything due to it being in legal. I mean does someone not need to send a certified letter or something to notify the borrower about all this. The collection advisor even smarted off and more less said to me before I disconnected the call, that normally they dont even return your call and made remark more less saying I was lucky he called me I had been calling for days. Another thing these companies dont understand is they need to leave me a voicemail. My job doesnt allow use of phones during work. I work a dangerous job. 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 I drive 1hour 45 minutes each way to work. I leave home at XXXXam to go to work by XXXX am.. & get home at XXXXpm. These people arent even in office at that time. By no means do I avoid anyone but I have a job and its not sitting at a desk to where I have phone access at anytime.
Product: Credit reporting or other personal consumer reports

I've been trying to contact XXXX about a card I have with them. When I log onto the app, it shows that I've been making payments and that the account is still active. However, on my credit report, it appears as a closed account with an outstanding balance. This has negatively impacted my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Nos. XXXX  and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. Ally shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/XXXX. No late fees were assessed and paid! ALLY 's response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from ALLY. I hereby request all evidence of ALLY 's claims of dates of payments on this account. If ALLY is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus
Product: Credit card

I was overcharged on XX/XX/XXXX and XXXX for XXXX {$1000.00} transactions when it shouldve been XXXX {$10.00} transactions. Ive been in contact with discover for months and still no help at all and i need this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2019 I reached out and called TransUnion twice to ask when only had only one inaccuracy that I disputed been deleted instead of all three. I informed them that according to Section 609, I was entitled to review any documentation and evidence proving these were my accounts. The first representation stated the she was not going to investigate any further and they are not responsible for proving proof to me of how they validated the accounts, when asking for her name she hung up on me. I proceeded to call again and got a representative by the name of XXXX, he told me that there is nothing that he can do to validate that these are in fact my account and file if I needed to file a complaint then I should do just that. I felt extremely mistreated by the fact that the representatives did not want to nor did they take the time to understand that they are violating my right by not validating these accounts and having them remain on my credit report. I need to understand the next steps to take in order to have these negative items that have not been properly validated from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that the information on my credit report was inaccurate and asked that the agency remove those errors numerous of times XXXX XXXX XXXX XXXX XXXX, XXXX IQ Data International IN XX/XX/XXXXXXXX XXXX
Product: Mortgage

Mr Cooper refinanced my loan in XX/XX/XXXX. The rates dropped to 2.23. I called in XX/XX/XXXX and the person said they could only offer me 2.26. Gave me all the wrong numbers and didn't honor the rate match of 2.23. I called back on XXXX because I got a 1.79 rate offer. I called Mr Cooper to check their rates and rate match. I was told he could offer me 2.24. He said that rate was since XXXX. So the 1st rep lied. He ran my credit for nothing. Did a soft inquiry on my credit and they aren't suppose to. This company are scamming folks in the midst of the worst time in our country 's history since the great depression. I don't think they should be handing VA loans. We sacrificed alot. Too much to be swindled. The bbb is filled with complaints in them in XXXX.
Product: Debt collection

I had XXXX  XXXX at end of XXXX and no insurance at XXXX in XXXX Texas. Filed with hospital for indigent care. I did receive several bills but was waiting on local hospital and had been in contact several times with hospital representatives. As i also have documented. I was told i would receive indigent care but would owe drs. So i have just started paying and making payments on large bills. Last month in XXXX i paid on 2 bills outside of hospital. On XXXX i called hospital to make pmt and was told i owed hospital XXXX. I had not even seen a bill from the hospital for this {$3000.00}. So much for indigent care. So I made a payment to hospital and towards surgeon on XX/XX/23. So i am doing all i can but they continue to harrass me. The day after I made the payments. I have blocked these numbers but calls are unrelenting. I would appreciate any help in resolving this issue. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The short version of the story is Fedloan Servicing is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. 

The longer version of the story is as follows : In XXXX I was assigned FedLoan Servicing as my loan servicing company upon graduation from XXXX XXXX at XXXX XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. 

I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! 

Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. Fedloan  servicing was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. 

I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called Fed Loan Servicing to inform them of the reporting error. Fed Loan servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! This was my fourth complaint to follow up the items I requested to be investigated and corrected from my previous filing dated XX/XX/2023. Again, 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 needed to be investigate and corrected for erroneous reporting in my file and are listed on my credit reports : 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 EQUIFAX 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 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
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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: Money transfer, virtual currency, or money service

This morning around XXXX o'clock XXXX XXXX I tried to make a transaction to sell all my XXXX XXXX XXXX for XXXX amount of around {$70000.00} and till this moment. That transaction is pending so I am not able to cancel that transaction so I could do another one or I can't do anything with that money cause it's just pending and therefore, I'm not able to put my money into other investments just because they chose to not give me my money back. But when it comes to depositing my money. They have no problem taking it right away. But when it comes to giving you a money back, they take their sweet time. And then tell me that the only way I can contact. Customer service is via email. Which is the slowest form of communication which I think is. So ridiculous when they're playing with my money. And money is very kind of in the moment. Kind of thing cause right now. I probably lost about {$5000.00}. Just be not able to invest in the company I wanted to. And now I have to wait for them to XXXX. Contact me via email instead of just talking to me over the phone, when their customer service reps, don't seem to be able to help with anything but yet the people that I can can can only be contacted by email does that make sense if they're you know conducting business with our money? I think that it should be with somebody in real-time not somebody that's going to answer our questions a day later or half a day later. I want somebody to answer my questions now and help me now. So I can get my money to where it once soot now. Not to, morrow, not the next day. But now. I will not be using the service after this cause. I find it very unreliable that I can't get my money when I need.
Product: Credit card

American Express advertises that it will provide XXXX access to sign up offer terms if a customer contacts them through their customer service channels. However I reached out enquiring about my sign up offer the representative was unable to verify the offer terms and I was told that I would have to reach out again in 5 business days. Because I was not immediately provided with the offer terms I did not meet the required spend by the set date. The initiative was left with me to reinitiate contact, but because I was not told the offer terms nor with any sort of specific estimate of required spend I could not reasonably have known that I was in danger of not meeting the requirements. Their explanation is that I could check my chat history but this is verifiably false, the chat history available to me in their app ended in XX/XX/XXXX and I was last provided with the sign up information in XX/XX/XXXX. American Express did not provide me with a reasonable method of tracking my spend requirements in a timely manner and so I unable to reasonably meet the advertised sign up bonus. It is reasonable to expect a credit card company to furnish the customer with the necessary information in order for them to meet an advertised sign up offer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX  Account number : XXXXXXXXXXXXX**** Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$970.00} XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$970.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Fraudulent hard inquiry by XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent hard inquiry by XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Fraudulent hard inquiry by XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent hard inquiry by XXXX XXXX I have never applied for any kind of credit with any of these three financial institutions. I contacted all three and received evasive responses from their fraud departments. Additionally, I reached out to Equifax 's fraud department and was informed that they could not assist unless the hard inquiries were removed by the aforementioned banks. Despite following the correct procedures, Equifax continues to be erroneous, evasive and flat out refuses to assist with these fraudulent hard inquiries.
Product: Mortgage

In the past, I have requested the assignment of qualified, professional, and knowledgeable single point of contact ( SPOC ) be the Bank of America Customer Relationship Manager ( CRM ) assigned CRM/SPOC and that the individual SPOC, the SPOC 's unit, and the SPOC 's supervisor be bona fide Bank of America employees who actually are available for person-to-person telephone contact to communicate the current home loan mortgage account status, activity, decisions, documents and documentation during normal business hours and days. While there have been a multitude of SPOCs assigned to gather, organize, and disseminate account documents and information and be current on account activity and status, not a single one has been able to preform their duties as required per the National Mortgage Settlement ( XXXX ), RESPA enforced by Regulations Sand Z, and California Civil Codes XXXX and other applicable law, agreements and settlements that dictates how the single point of contact is to execute their duties and interact with the borrower. I know this because I have never been informed by any SPOC of the fact I was approved for a MHA HAMP and was directed to be placed in a MHA HAMP TPP as early as XXXX 2012 by the Bank of America Appeals Department upon completion of an appeal or other escalated case.
Product: Credit reporting, credit repair services, or other personal consumer reports

STUDENT LOAN ACCOUNT WITH XXXX ACCOUNT NUMBER XXXX WAS OPENED IN THE YEAR XXXX, 22 YEARS AGO NOT BY ME I HAVE SENT NUMEROUS DOCUMENTS INTO XXXX, AND TRANSUNION, ITS NOW XXXX AND THESE CREDIT REPORTING AGENCIES ARE STILL REPORTING INCORRECT INFORMATION ... THE FOLLOWING DOLLAR AMOUNTS ARE BEING REPORTED {$2600.00}, {$1000.00}, {$1400.00} {$1400.00} {$820.00} {$2200.00}
Product: Mortgage

Hi, My mortgage was transfers to Select Portfolio Servicing in XX/XX/2019 from Mr. XXXX. When my account was served by Mr. XXXX I was the successor in interest and had all rights to this account. Now my account is under SPS, they will not recognize me as successor in interest and are denying my rights. I have been fighting with them since 2019. I sent them the deed to the house which is in my name, copies on my mothers will, and letters from the state naming me executrix of the estate which they rejected. They are demanding I pay the inheritance tax before they can name me as Successor in interest and reinstate all my rights to this account. 

According to CFPB regulations say they have to accept certain proof and treat me accordingly. 

Successor in interest means a person to whom an ownership interest in a property securing a mortgage loan subject to this subpart is transferred from a borrower, provided that the transfer is : ( 1 ) A transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety ; ( 2 ) A transfer to a relative resulting from the death of a borrower ; ( 3 ) A transfer where the spouse or children of the borrower become an owner of the property ; ( 4 ) A transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property ; or ( 5 ) A transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property. 

Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to this subpart