23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Loan # associated with this request is XXXX. In late XXXX, I requested a re-amortization as required by my promissory note related to a XXXX XXXX paydown that I made on my loan in the amount of XXXX. Shellpoint properly applied the principal reduction and prepayment penalties, but has yet to complete my request for a re-amortization. Today, I called for an update on the request and was informed that the ticket was cancelled without communication or explanation as to why. 

My request is for Shellpoint to complete the re-amortization before my XX/XX/XXXX payment comes due. The following excerpt from my promissory note outlines why I believe the re-amortization is required ( XXXX XXXX XXXX  XXXX ), not to mention that a similar transaction has already been completed on the same loan related to a similar prior transaction : " ... upon any additional advance of funds Holder shall recalculate the amount of the monthly principal and interest payment owing for the remainder of the Note term, based on the new outstanding principal balance and the interest rate then in effect, and such revised principal and interest payment shall be due commencing on the first ( XXXX XXXX ) day of the month immediately following the month in which such additional advance or prepayment ( as applicable ) is made ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 card or prepaid card

I had a charge account with American Express for years that was in good standing and paid off every month. In XXXX, I lost my job and my home after Hurricane Harvey. I finally got a permanent address when I rented a home in XXXX. Now I am trying to use my VA Loan to get a mortgage and my lender said this information by American Express is preventing me from getting a home. He said it shows on my revolving credit, it is derogatory, and the amount is closed. I made a few charges almost four years ago, but nothing even close to what they say my derogatory amount is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reaching out to Comenity Bank Wayfair Credit Card Services due to information not updated on my credit reports for XXXX, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Product: Credit reporting or other personal consumer reports

Ask the company DRS/XXXX XXXX XXXX for a dept validation and they have not provided me with one as they had stated they will in 30 to 45 days. They close the inquiry with out validating the dept which is false reporting on my credit. Please am still waiting for that dept validation in the mail or clear it from my report
Product: Credit card or prepaid card

In XX/XX/XXXX, when I was invited, applied and was approved for an Ollo Rewards card, I was told in print that there would NEVER be an annual fee. Multiple times in print, advertising and card details. Now, I get a statement in XX/XX/XXXX stating they want to charge me a {$39.00} annual fee. I never prior to the billing statement had received any print or oral communications of a possible annual fee being charged now on my Ollo Rewards card. I ask for a correction in this error and breaking of the terms agreed upon XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from XXXX XXXX but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as Experian, XXXX  and XXXX. I have provided proof of the cancellation via an email exchange between myself and the XXXX.
Product: Credit reporting or other personal consumer reports

In late XX/XX/XXXX I contacted Equifax and XXXX to remove several inaccuracies from my consumer credit report. Both agencies removed Some of the inaccuracies but not all. Equifax removed a total of 10 inaccuracies ( non mailable addresses ) and XXXX removed a total of 23 inaccuracies ( non mailable addresses, name variations and phone numbers ). 

On XX/XX/XXXX I sent Equifax an invoice for {$9000.00} for being in violation of 15 USC 1681 and the Privacy Act of 1974, requesting payment for these violations under 15 USC 1681n. I am including a copy of that invoice in this complaint ; they are approaching 2 months beyond the Due Date of the invoice. The only correspondence to my invoice was a request for a copy of my Drivers License and Social Security Card. I sent them a copy of both my Drivers Licence and Social Security Card as requested along with another copy of the invoice. My complaint and demand for compensation has gone ignored. 

On XX/XX/XXXX I sent XXXX an invoice for {$23000.00} for being in violation of 15 USC 1681, violation of the Privacy Act of 1974, requesting payment for these violations under 15 USC 1681n. This invoice is past due as well by 29 days. The only correspondence to my invoice was a request for a copy of my Drivers License and Social Security Card. I sent them a copy of both my Drivers License and Social Security Card as requested along with another copy of the invoice. My complaint and demand for compensation has gone ignored with XXXX as well. 

Both Reporting Agencies are in Violation of 15 USC 1681 and have failed to comply and therefore is liable to pay damages Up to {$1000.00} Per Violation. 

1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


I am including copies of the deletions including my credit report before and after deletions as my Proof of Claim.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my Rights. REPORT # XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

12 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX Valemist Ct XXXX, TX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

Navient solutions violated XXXX title XXXX XXXX. XXXX. During the 30 day validation period the consumer was unable to verify such debt claims due to lack of sufficient evidence. The original contract with the red ink wet signature was not rendered. However, Navient sent a promissory note that did not bear the original signature of the consumer. Consumer clarified that the signature did not belong to him. In conclusion consumer will litigate Navient for fraud, tax invasion, harassment, violation of XXXX, Violation of FCRA and violating special deposit. Affidavits of fact were sent to Navient under special deposit with special instructions of which instructions were not followed. By law this results in breach of contract. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Navient is also violating a cease and desist that was sent to them. I request that you audit Navient for such violations. This complaint serves as evidence and will be applied to the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel XXXX is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.
Product: Student loan

We were told to summit documents in, XXXX XXXX, XXXX and we did each time were told it's alright the documents, but then told there wrong, blank or have no graduation date which they did have! Asked Sallie Mae if my granddaughter needed to take summer classes if payments would start if she didn't they said she did not and the payments would start if not in school in XXXX we were charged in a month after being told we were miss informed by Sallie Mae ! Over {$900.00} owed and this is incorrect!
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$140.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$2400.00} XXXX XXXX XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balanced {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an automated menu recording that will not let you connect to a live person period. I have called about a half dozen times to different Experian phone numbers & run into the same automated recording. The account information added to my credit file is in error that is not mine. This account belongs to my daughter whom I co-signed for a new vehicle. I do not owe or make any payments on this account at all. I merely co-signed that is all. I have my own vehicle that I make payments on. In the state of Indiana a co-signer is also considered a co-buyer or a co-borrower. I co-signed is the " only '' thing I have to do with this account. This account is listed in my credit file as me being the person who purchased & owes on this vehicle. I am " only '' responsible for making payments on this vehicle if my daughter does not. Therefore this account should not really be in my credit file at all. I have been trying to " add '' a letter to my credit file which unfortunately I been able to do. My daughter 's vehicle was purchased by her on XX/XX/2022. Either Experian needs to quit blocking anyone from talking to a live person or I want them to completely delete my credit file from their company records completely. I filed a complaint with XXXX  over two weeks ago & they have not responded at all.
Product: Student loan

My original loan was with XXXX XXXX as a private student loan. Sometime in XXXX it was sold to Firstmark Services a Nelnet company. I've made consistent on time payments to XXXX  XXXX and now Firstmark since XXXX. They now told me my XXXX payment due XX/XX/XXXX, I'm behind on my loan and it was reamortized raising my monthly payment. I've never had a loan where you are suddenly behind on the balance causing payments to balloon when it was set up as a fixed amount per month. Its a variable rate loan, but that has always adjusted slowly and I made the new payment shown on my statement. So I dont understand how I'm suddenly so far behind that they raise the payment {$35.00} per month. I suspect something shady is going on with this new servicer and I've never heard good things about nelnet. The customer service rep said this was normal despite me saying reamortizing a loan suddenly is not something my 50+loans in my life I've ever seen. She said there was nothing I could do, and nobody else I could talk to and they didn't have a complaint line or ombudsman. There was no notification or anything that this was happening until I received my statement a week ago.
Product: Debt collection

numerous request validation letters to the creditors along with the credit bureaus to vadlaite this debt in fact belong to me! No one had responsed and given me any kind of information that states my signature or that I have a contract with the company. Under FCRA rules I have the right to request that information and after 30 days no response it 's must me deleted. SCA Collections has yet to furnish any proof that this debt is mine! I have also sent request to  XXXX  asking them to removed this from my credit my letter have been sent back to me I 've sent off twice. Within 30 days apart. I was told that I had to file an police report to have this removed off my credit. That does n't fit the rules and guidelines they have told me they verified the account but as of  XXXX   XXXX  I 've yet to see any documents regarding these claimed debts with  SCA collections inc one in the amount of {$180.00} SCA collection for the amount of {$85.00} SCA collections in the amount of  XXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company appears on my equifax credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my equifax report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. 


Thank you, XXXX XXXX