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

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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: Student loan

For years I have struggled with Navient. I 've had to pay monthly, at least {$600.00}, while I was in school. I recently took a year off of my graduate studies and moved to another city to support my younger brother with his living expenses through college. The payments to Navient have risen so incredibly high that there is no realistic way for me to pay them, my rent, bills and other necessities. They asked me to pay about {$1100.00} per month. I also have an elderly Cosigner, who is of no relation to me, just an old family friend, and he has absolutely no intention of paying for my loan for me. His credit was the only thing that would allow me to get into my XXXX school. I was never offered a chance or program to release my Cosigner. Recently, when I asked, due to the recent legal issues that have arisen against Navient, they only gave me two ultimatums. Either pay off the entire, approx, {$120000.00} or pay {$1100.00} for 12 months on auto pay without fail. I had just given Navient all of my income information, and based on the numbers they could clearly see I could n't afford that. They also requested the Cosigner 's credit and income information. He does n't want to have anything to with my payments and does n't wish to give the information to them. 
Since XX/XX/2011 I 've had to deal with Navient and through their rude and unhelpful customer service, ultimatum deals and negotiations, incessant phone calls and absolute lack of organization, I 've struggled to make end 's meet. They would call automatically, and blame it on the computer programming, myself, my cosigner ( who is an incredibly busy man ) and my parents at number of times called reaching as high as 15 times in one day to a phone call every 10-15 minutes ; with each call from a different phone number, while I 'm working. I 'm afraid to pick up the phone anymore. When I do pick up the phone call, customer service can barely help you and they just want to collect money and get you off of the phone as fast as possible.
Product: Mortgage

I have disputed this issue with all credit bureaus but I think they did n't understand my dispute. My complaint is about XXXX Mortgage XXXX. Wells Fargo Home Mortgage lost a class action suit because of their fraudulent mortgage practices.. I was part of that suit. It started 2012. I left consumers an option to recover additional monetary damages and other remedies. My credit has been damaged because of them reporting it as " foreclosure ''. I ca n't get any credit, loans, etc. 
My mortgage account was under XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/2022 on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

Under : 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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. 

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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 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 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: Mortgage

On Wed, XX/XX/XXXX, XXXX XXXX, loan officer XXXX XXXX reached out to me with a new quote for a refinance on my home. He told me to not make the my XX/XX/2021 mortgage payment due to closing a loan in that month I should have 2 months free of payments. I stated in an email that I've made my payment XX/XX/2021 and he continued to state that he was going to reverse the payment because it should've been skipped. On Wed, XX/XX/XXXX, XXXX XXXX  I replied to XXXX and told him I made the payment already. On Wed, XX/XX/XXXX, XXXX XXXX  he stated " Yes that's in reference to getting two months without a payment. If we can refund it we will, but if the payment has already processed and the payoff shows due for XXXX, we won't be able to. '' and that was the last I heard about my payment. 

Now here it is XX/XX/XXXX and my payment is showing as late when I was told there's a possibility it could be refunded. I spoke to XXXX in Loss Mitigation from Village Capital and Investments on XXXX XXXX and she told me to submit my documentation to the documentation department and they will check with the cashiers about my payment. 

I called back today XX/XX/XXXX 5 times to their office to be hung up on, laughed at and belittled by the agents I spoke with. I found out that the cashiers office will not refund or reimburse me and now I'm stuck with a delinquent loan payment for XXXX. 

I was signing the documents under the impression I was provided by the loan officer that I would miss 2 payments. I was lied to and taken advantage of.
Product: Checking or savings account

On XXXX XX/XX/2021 America First Credit Union announced that they are changing all free checking accounts to a fee based account and forcing users to enter a branch in person to opt out. This was done without permission or even official notice.
Product: Mortgage

I have a mortgage with Mr. Cooper, formerly nation star. On XX/XX/2021 i made a partial payment on their phone app for {$680.00}. This was selected as a partial payment for XXXX. They applied it as additional principle because it was 2 days early even though it didn't come out of my account until XX/XX/2021. I made the additional partial payment of {$680.00} on XXXX XXXX, 2021. I found out XXXX XXXX 2021 that this happened and had them correct it. In the process of having them fix this, I received a letter for a va streamlined modification dated XXXX XXXX reducing my payment to {$1100.00} for XXXX. Through XXXX. They fixed my XXXX payment and I made my full XXXX Payment, XX/XX/2021 within the allotted time, of {$1300.00}. On XXXX. XXXX 2021, I went to make my streamlined va modification payment on their app. Of {$1100.00}. I received a notification from my bank the next business day that my account was severely over withdrawn. Mr. Cooper not only had the pending amount of {$1100.00} that i authorized but also another unauthorized amount of {$1300.00}. I contacted Mr. Cooper that day XXXX. XXXX 2021, they told me they could only refund me and not stop the 2nd payment. I called my bank and put a stop payment on the unauthorized amount of {$1300.00} costing me a {$35.00} fee but preventing many other overdraft fees. I've contacted Mr. Cooper several times since then. They're saying I owe an additional {$200.00} for XXXX 's payment and a {$30.00} fee for stopping the unauthorized payment.
Product: Mortgage

I made a complaint 2 days ago about harassing calls from Mr Cooper. I was assured the calls would stop, but I received another one at XXXX. last night. The calls, that I've been receiving for months, even though my accounts are in good standing, always demand I contact them as soon as possible, but Mr cooper intentionally makes it impossible to do that. Their chat service and phone service almost always tell me no one is available. The chat service has offered to send me a link to chat later but I have never received one. At this point, I've tried to contact them every day for over a week at this point and I've only reached a person once. 

Mr Cooper 's only suggestions are to continue to try the phone and chat systems that clearly don't work or email their customer relations email. I tried the email and all I received was the same suggestions about the chat and phone. 

They are intentionally giving me the run around and it is resulting in me receiving harassing calls every day. Again, this is for no reason, as my accounts are in good standing.
Product: Credit reporting or other personal consumer reports

I looked at my Equifax credit report on XXXX XXXX, 2024 and noticed 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 ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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 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 reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXXXXXX XXXX  Balance : {$4.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$110.00}.
Product: Checking or savings account

I called Truist on XXXX 23,2022, XX/XX/ 2022, and XX/XX/ 2022 about my overdraft fees that were not refunded to me and my debit card doesnt work anywhere. None of the representatives were able to help me and several hung up on me. I waited more than 2 hours on hold. This is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with XXXX, XXXX and XXXX  regarding the inaccurate reporting of AMCOL SYSTEMS. Multiple account are being reported that are not mine. 

Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXXXXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX
Product: Debt collection

This company is showing a collection account on my credit report for the amount of {$2000.00}. I contacted them and disputed with the credit bureaus and nothing has been done. I don '' t have an account with this company. I don '' t have a sign contract with this company.
Product: Checking or savings account

I have 3 accounts with Chime. A checking, Savings and a credit builder. When I would get paid 50 % would deposit into my checking and 50 % into my credit builder. On XX/XX/year> my account showed I had about XXXX in that credit builder account. I made a purchase that evening for XXXX from XXXX XXXX My balance after that was around XXXX I think. Then that night I got my payroll deposit XXXX and XXXX deposited into my checking and XXXX into my savings. Then it shows another transfer of XXXX into my credit builder account but that money never made it to that account. I have called, reported to XXXX  and no here. I want an explanation as to why the bank says that XXXX was used to cover a negative balance on my credit builder account when my account never showed me it didn't have the funds to cover that XXXX purchase. And why the app never shows that money XXXX was used to pay back spot me. Why didn't I get an email saying spot me was used to cover that XXXX. To me it looks like the bank stole my money. If they are right and I didn't have enough funds to cover that XXXX transaction then there is a serious issue in the app and they need to admit and address why this happened to me. I don't want another response saying it was used to pay that negative balance I want a statment showing my money and what I had on what day before I made that purchase. I want to know why I never got a notification or an email saying spot me was used. Why does my account to this day still show that money being transferred into credit builder but not used to pay back spot me. Something is wrong. I think I deserve my XXXX because this is an error on the banks end. But whatever if I could at least get an explanation I would be happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX - Last reported XX/XX/XXXX - Charged off / Closed - Last payment XX/XX/XXXX - Credit Limit Equifax is falsely reporting the above credit card, I have tried disputing it with Equifax however they will not remove this account as it has been paid in full since XX/XX/XXXX to the collection agency that bought this debt. 

Equifax Dispute information : CREDIT FILE : XX/XX/XXXX Confirmation # XXXX
Product: Debt collection

XX/XX/2022 XXXX amount I already applied for the financial aid and they waive out my fee and then I dont know why I am getting XXXX debt in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX credit report I found that a debt collection company ( PMGI LLC ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX checks to broker XXXX XXXX of XXXX, NJ to invest in XXXX investments. XXXX check # XXXX for {$29000.00} was drawn on XXXX XXXX  and was paid out. XXXX checks were drawn on Bank of America from my personal account Check # XXXX for {$45000.00} and the other from my nonprofit account ( approved by the IRS ) Check # XXXX for {$16000.00}. The first check # XXXX has been paid out in full and was credited with XXXX investments. Check # XXXX has vanished without a trace and Bank of America has no explanation now. Some time elapsed as my wife passed away in XXXX and all the money operators knew she was getting dues from various sources. I needed time to recover and regroup when I noticed the discrepancy about a month ago. The new XXXX at BOA has given a copy of the endorsement of the back of check # XXXX that XXXX sent the check for collection. But I did not see the amount reflected in the annual return for XXXX or XXXX. Moreover, XXXX XXXX is lying to me saying I stopped payment on the check. Then saying the check was sent back to me XXXXUSPS both XXXX on XXXX different occasions. I didn't ever receive a returned check # XXXX. And it had hit the bank already as evidenced from the back of the check. BOA now knows I didn't stop payment because there is no record of a stop payment or no funds in the account. To date, the new XXXX has had no answer. I further recall I had a falling out with the old officials of BOA for not paying a bonus on one of the term deposit accounts in XXXX XXXX. The email exchange between the BOA officials and myself shows this is exactly the time check # XXXX vanished without giving me the benefit of the deposit which was made by XXXX XXXX. No photo copy of check # XXXX could be retrieved from anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXXXXXX, the collection agency for discover credit card on XX/XX/XXXX. Discover still on the dept per XXXX, but discover forced me to pay the collection agency.
Product: Mortgage

consumerfinance.gov please review fully and if possible take action on this institution and monitor them until they answer the following. 

note ; I received attache letter on XX/XX/XXXX dated XX/XX/XXXX stating that my account was due XX/XX/XXXX. Chase, don't you think it's time to up your game, improve your customer service and perhaps be required to CALL YOUR CLIENTS when an abnormality and or concern is spotted on account that is out of the ordinary? 

How, Why did JP Morgan Chase " Cancel my HELOC payments '' that have been paid 100 % on time since XXXX or XXXX? 

This on top of the other matters I await answers to, It is 100 % Chase may be taking the approach of a Personal and Calculated Vendetta with regards to my accounts? 

I seek ALL ANSWERS to previously asked questions re ; the deposit account funds that you held for 21 days after being verified by the bank they were drawn on then tied up and " SUSPENDED '' since XXXX then sent me a check last week with no explanation after my filing XXXX report through this agency. 

Your behavior as an institution is NOT acceptable! 

I await your response with everything clearly spelled out and clarified, I will continue to file through this portal until such time that you do. 

XXXXnote, there are funds in my account at my NEW and more reputable bank of choice that you have drafted from since XXXX without a glitch until JP Morgan Chase created s glitch. I expect any and all fee 's related to the HELOC matter be waved and or credited back 100 % Still not one returned call from XXXX who left messages several times to call with any questions even though I've called and left messages on 2-3 occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file I have a discover financial services LLC fraudulent account. I want this account removed from my credit file. And evidence of who opened the account.