23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is complaint is in reference to prior complaint filed against XXXX XXXX XXXX which deals with violation of 15 USC 6802 which governs disclosure of non-public information to third party. According to 15 USC 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given 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. 

I ask Experian to properly supervise the following transaction with XXXX XXXX XXXX There was a private consumer credit transaction that was furnished to my Experian Credit report. However, XXXX has never sent clear and conspicuous opt out provisions for this private transaction and has not received my consent to publish this information. I ask Experian to please remove my non public information relating to this consumer credit transaction from my Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing about a student loan account that is showing potentially negative on my credit report in the original amount of {$13000.00}. My first dispute was denied, however I replied to the denial by submitting evidence that the loan is/was settled for an amount of {$2500.00}. The original debt collector was XXXX XXXX Who works with XXXX XXXX and at some point the debt was sold to a collection company called XXXX XXXX XXXX based on a letter they sent me XX/XX/23. I negotiated paying the XXXX to a settled agreement for account # XXXX in the amount of {$2500.00}. I spoke with XXXX XXXX at XXXX XXXX and have a confrontation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX ( XXXX  ), an XXXX/phone provider, around XX/XX/XXXX. Though I only provided them with the last 4 digits of my SSN and never the full number, I learned later that they made a hard credit inquiry with Equifax. XXXX rarely if ever do credit checks so I went back to the signup form to see if I missed a warning that a credit inquiry would be made and I sure did find one on the right edge of the screen, not part of the signup form and written in vague language. I called them less than 24 hours from order time and demanded that they cancel it and ask the credit bureau to remove the inquiry but they refused stating that this is what they've always done. 

XXXX recently has changed their signup form on their website to explicitly include a warning of a credit check in the middle of the form. Obviously, something was broken and the fixed. The credit inquiry, however, still exists on my record.
Product: Checking or savings account

I got an email about an address change, but I dont even have an account.
Product: Student loan

Good evening : I took out approximately {$42000.00} in the early XXXX, and I have been paying for over 19 years, and now I owe {$54000.00} ; and I ca n't seem to understand why my principal never went down at all after all this years. Another thing is that I worked out a change on my student loans, to make my payments more affordable at the beginning of the XXXX ; and now without my agreeing to it, Navient change all the terms of the loans, back to the XXXX, when I could not afford them ; I get the impression that they want me to default. I asked them for a complete print out of all of my loan transactions over the years, and any changes to my loan terms ; to see if I can understand what is going on with my loans. The loans just keep increasing, and 19 years have gone by and there is not change ( I guess every time I took a forbearance, I had to pay the interest and then pay interest on the interest ) ; I also think that I should have the right to review and signed any changes to my note since I am the borrower. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to Transunion, XXXX. XXXX  this account is open and late dated XX/XX/XXXX. 2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 ( 67 days ago ), exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. USDOE/XXXX  : Account number : XXXX I was never late. Please remove this account from my credit report. 

2. USDOE/XXXX : Account number : XXXX Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

3. US DEPT ED : Account number : XXXX The reported balance is incorrect. Please delete. 

4. US DEPT ED : Account number : XXXX There should be a zero balance. Please delete. 

5. US DEPT ED : Account number : XXXX The date of last activity is incorrect. Please delete. 

6. US DEPT ED : Account number : XXXX This account is reporting inaccurate and unverifiable information. Please delete. 

7. XXXX XXXX  XXXX : Account number : XXXX The reported balance is incorrect. Please delete. 

8. XXXX XXXX : Account number : XXXX There should be a zero balance. Please delete. 

9. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, Equifax and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.
Product: Mortgage

XX/XX/XXXX I was recovering from a XXXX which kept me from working from XXXX XXXX. I contacted the bank to let them know my payments would be delayed till I return back to work in XXXX XXXX. Two months later sent them a check for payment and some extra to show good faith and they sent it back with foreclosure notification. I cashed out all my savings and my whole life policy and tried for 6 months to pay in full and reinstate my loan, employees stated that the lawyers were holding things up. Finally by XX/XX/XXXX I reached a XXXX XXXX whom agreed to take my money ( XXXX ) and reinstate my loan, however he took my money but did n't reinstate my loan. I called every day for weeks and then hired a lawyer whom scammed me for XXXX and is currently in bankruptcy proceedings. I was at that point force into applying for modification which I did over and over, I 'd send in papers and they would send foreclosure papers for 3-4 yrs this went on, finally XX/XX/XXXX an employee called and told me I had a modification ( truthfully I did n't care what the terms were I felt I did n't have a choice and wanted the madness to stop. ) I do n't know if they gave me credit for the monies I wired in but I know I have been paying interest on fee and penalties they tact on to my loan over that period which I feel is unethical given my situation and the many attempts I made to reinstate my loan. I sought out a lawyer recently and was told I was beyond the statues of limitations 3-4 yrs, have tried to speak with SunTrust several times but they have not been helpful. My payments are very high I will not be able to hang on to my HOME much longer especially with interest rate that will increase every yr for the next 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These inquiries have adversely affected my credit score and financial standing. 

Below are the details of the unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent a letter regarding the validity of the accounts with Amerifinancial reporting on my credit report. The account numbers are XXXX for {$1100.00} acct number XXXX {$1100.00} and account # XXXX for {$760.00} first and foremost Im noticing that this collection agency reported the same accounts twice their double billing me for {$1100.00} for medical services I never had perform I tried reaching out to them directly Ive attach my return receipt letter was sent by certified mail on XX/XX/21 and I havent receive a response its pass 30 days Im requesting removal certified receipt # XXXX and theres no reason for anyone with the company to say they never received this letter as stated before it was signed for
Product: Credit reporting or other personal consumer reports

The Company Im Disputing is Experian, XXXX and XXXX! 

On XXXX XXXX I disputed all of my negative items along with Hard inquiries. these inquiries and negative items should've been removed because of the identity theft that was claimed via FTC Report that was filed in XX/XX/XXXX. 
as a result here we are in XXXX and still no response
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, someone fraudulently accessed my XXXX XXXX account, initiated a transferred to XXXX in the amount of XXXX XXXX XXXX, and money was picked up in XXXX, all this in a 6 minutes, the money was taken out of my checking account linked to the XXXX XXXX account XXXX XXXX XXXX stated they couldn't do anything other then reported because the transaction was completed, and once the money was picked up there was nothing they could do, and said that I needed to go thru my bank for refund, my bank stated that after the investigation was concluded the charges were valid and did not refunded the money. I was never provided any information of the investigation and I was never contacted by my Bank institution for questions or documentation about the investigation, I did follow up with my Bank ( Chase Bank ) and requested the investigation to be reopen and provided all the emails from XXXX XXXX about the transaction, but they closed they case stating that no other investigation was needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Venmo Synchrony Bank has an account opened in my name and acknowledges that the account is marked as fraud but refuses to remove the account. I have emailed numerous times, but the account still appears on my credit report. I recently went to qualify for a home loan and to my surprise the account appeared and I must go FHA now.
Product: Credit reporting or other personal consumer reports

The company XXXXXXXX XXXX XXXXXXXX received our loan after it was sold to them by XXXXXXXX XXXX 

We are an absentee owner and XXXXXXXX XXXX  failed to notify us at the correct address of record. Without proper notice they reported a delinquent status on our credit report and that resulted in a massive drop in my credit score. 

Section 12 CFR 1024.32 ( a ) of the RESPA provision states the duty of the servicer and that the borrower must receive notices at their correct addresses. 

12 CFR 1024.33 ( b ) ( 1 ) of the RESPA provision states that the mortgage servicer is in a breach of obligation as they must use the borrower 's correct address and confirm it as such.
Product: Credit card

Over the course of the last five years, we made a number of purchases on our XXXX Home Depot credit cards. There were several times we got an offer of zero interest for two years, but, to my knowledge, we never signed up. This last month, we were just charged a lump sum of over {$8800.00}. on our XXXX accounts for two years ' interest on the entire balance ( previously about {$11000.00} ).
Product: Money transfer, virtual currency, or money service

I was notified at the end of XXXX that my account was on hold due to a balance I owed. The balance I owed was for a transaction Coinbase never received funds for. The amount was {$10.00}. I was notified to make a payment on their website or application. When I attempted to make the payment I continued to receive error messages or there wasnt even an area to pay. I received another message stating that after 5 business days they will automatically resolve the issue by taking funds from my current account balance. I have tried text/phone/email support over 10 times with no help. My complaints are being ignored and Ive been told Ill be in contact with a supervisor in a couple of days but its been over a month. My funds are locked and my ability to trade is restricted. I have the funds and have the ability to make a payment but due to a failure on coinbase I have lost those privileges and it is costing me money since I cant withdraw buy sell or trade. I want to file a law suit for monetary damages since I have been losing money for over a month and have been given no support from coinbase. They havent taken funds and all the troubleshooting methods have failed. The attachments included are screenshots of what Im seeing on my end. I can not click on make payment since it just brings me to the error message I have attached. Additionally the email link provided does not do anything for me its bring me to the same error message. On the web browser it does the same thing and tells me it will be automatically resolved in 5 days ( it has not ). I have tried different browsers, cleared cache and data, reinstalled the app, etc. this is coinbases fault and I need to be justly compensated.
Product: Checking or savings account

On XX/XX/year> I placed an order for {$130.00} and recieved an email confirmation. On XX/XX/year> the product had still not shipped. Since I use it for a medical need I contacted them and was told it would ship within 2 days. XXXX XX/XX/year> it still had not shipped so I contacted them again. Due to my dwindling medical supply I paid an extra {$17.00} by XXXX to the company for 2 day delivery. XXXX XX/XX/year> it still had not arrived. I contacted the seller and requested a refund as well as an order cancelation. They acknowledged the order cancelation but only offered store credit as a refund. I contact Capital One to initiate a chargeback process. 

I ordered replacements through another reputable supplier and recieved them XXXX, XXXX. XXXX XX/XX/year> I recieved an package from the seller that acknowledged my order cancelation, through email correspondence they acknowledged this package was for me to keep, even though a chargeback was completed. 

Even though Capital One recieved copies of all above emails, they ended up denying my claim for reimbursement on both the shipping charges of {$17.00} and the original purchase of {$130.00}.
Product: Debt collection

In XXXX XXXX, XXXX XXXX XXXX refused care to me as a patient because she felt I owed her money even though I was up to date on payments based on the itemized billable account ( see attached billing ledger from her office manager, XXXX XXXX ). 

Even though it was BEYOND what was due, I paid the {$300.00} bill in full to the penny on XX/XX/XXXX. I have attached copies of the receipt of payment and email confirmation thank yous for full bill payment from XXXX XXXX and XXXX XXXX, the doctor 's office managers. 

In addition to attached copies of the ledger from XX/XX/XXXX, I have attached evidence of yet an additional payment I had made of {$150.00} on XX/XX/XXXX prior to the XX/XX/XXXX {$300.00} payment. The truth is : I paid WELL BEYOND what was due on the account according to the XX/XX/XXXX ledger balance. 

I did not see the doctor in XX/XX/XXXX AT ALL because the doctor still refused services to me after I paid my bill in full on XX/XX/XXXX. After I paid my bill in full on XX/XX/XXXX, she abandoned me as a patient despite the fact that I had a time-sensitive FDA regulated XXXX. It took me four months to receive much needed care and refill the XXXX. I was XXXX by this doctor when she refused patient care to me and yet I have not yet taken any legal action against her for my XXXX ( although I should ). 

TWO YEARS (! ) later, in XX/XX/XXXX, XXXX XXXX XXXX reported a collection of {$42.00} ( {$51.00} with interest ) to my credit bureaus -- over and beyond the final bill which was paid. This is fraudulent billing -- my account was paid in full in XX/XX/XXXX for {$300.00} and I have the receipt along with email confirmation that the bill was paid in full by her office manager. 

I have tried to contact the doctor 's new office manager 17 times to resolve this issue and he continues to hang up on me. I have asked for the doctor to call me back ten times and she has n't returned my calls. I have even tried to connect with the doctor on XXXX to reach her but she has rejected my invitation. I have tried to call the respective collection agency phone number listed as reference for this account on my XXXX credit report, and their number is " out of service. '' XXXX XXXX XXXX is a bad doctor with illegal billing practices. Her team has zero concern for patients or resolving patient billing issues fairly. She fraudulently charges patients and her billing procedures need to be investigated. 

Despite providing documentation about this issue in great detail including receipts, email confirmations, and more to XXXX, they refused to remove the Collection from my account. Both XXXX and XXXX have removed the Collection from my accounts, declaring it to be fraudulent billing. XXXX XXXX XXXX still refuses to take my calls and the phone number of her " collection agency '' is disconnected. 

Please help me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Product: Mortgage

After our last complaint we were finally able to get our loss mitigation application approved and a trial repayment plan set up on XX/XX/XXXX. This document clearly stated to call, write OR make the first payment by XX/XX/XXXX. We called and made a payment before that date and mailed the documents back signed later after being told to via phone even though there was nowhere to sign. Our trial period is XXXX, XXXX and XXXX. I received a call from collections this morning again asking for our full forbearance balance to be paid and I asked why only to be told that loss Mit removed us from our plan for not returning documents. Naturally I call loss Mit to ask what documents and she says USDA you have to sign and return, well we did. I have email confirmation from consumer advocacy that we in fact accepted our plan by XX/XX/XXXX. The rep tells us to file a complaint with loss Mit proxy because we did everything asked and she cant reverse it. So now here we are planning to make our 2nd trial payment next Friday and were removed from our plan again without a valid reason. This needs to be made right and our plan reinstated.
Product: Mortgage

I've been trying to get a written payoff quote from my mortgage company - PHH, serviced by XXXX XXXX for 2 weeks. I've submitted via their automated system and even called and spoken with a person. They said they've sent it but it never arrived via mail or fax. 

I'm trying to refinance and this has already delayed me closing on my refinancing with a new company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my ex husband have been separated for 5 yrs and I no longer want my name attached to car loan he has his own company and is more capable of having it in his own name than e been divorced for a long time now