23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This company refuses to honor the fact that I am XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and can not make payments towards my student loan debt because I can not work as my program requires my full-time availability. I have been in deferment throughout most of my time being enrolled at school but now I am being forced by Sallie Mae to begin payments even though I do not have a job and XXXX XXXX XXXX XXXX XXXX I have had to beg for family assistance to loan me money simply to help keep me from being sent to collections. I am only 1 year away from being able to make consistent payments to this company and I have implored with them multiple times to keep me in deferment for 1 more year given my circumstances. However, they repeatedly refuse to honor my request and threaten to send me to collections and ruin my credit simply because they think they can. All I am asking for is 1 more year of deferment so that I can finish my XXXX XXXX which ends XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX and XXXX regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. 

According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 
I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.
Product: Mortgage

For the past 2 years, Gregory Funding, my mortgage collector has not made timely payments on my property taxes resulting in interest charges and fees. My City is demanding payment for these fees or I will have a tax lien against my home. I have reached out to them via phone and there is a 2+ hour wait. I sent an email through their Contact Us form and no response. I submitted the bill via an email I had previously with a tax issue and no response. These fees need to be paid by them, not out of my escrow as I did not create this problem. They are causing un-needed stress and financial problems for me.
Product: Credit reporting or other personal consumer reports

Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
XXXX XX/XX/2023, XXXX XX/XX/2023, EQUIFAX XX/XX/2023. 

Please send me a new report reflecting these changes. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) a 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 XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 ).

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.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

PERFORMANT FINANCIAL C Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX This company attempted to run a hard pull credit report by classifying their inquiry as an " installment loan application " rather than collections activity. This would damage my credit score and add another hard inquiry. I have not been contacted about this account being late, I 've been making regular payments and they are lying and misrepresenting their purpose in order to damage my credit score.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX to XX/XX/XXXX, I made some small deposits and a withdrawal. I did some trading and had a profit of approx {$1500.00}. On XX/XX/XXXX an additional depo of $ XXXX was added to the other $ XXXX deposit on XX/XX/XXXX. That deposit just became clear. {$12000.00} was bal on XX/XX/XXXX. 
We put money in XXXX  XXXX  and on XX/XX/XXXX it was worth XXXX. On XXXX the other $ XXXX was cleared and bal was {$29000.00} which went to XXXX. On XXXX we added $ XXXX more. All this was in XXXX on XXXX, the account was at {$82000.00}. On XXXX added another XXXX. This brought the account to {$220000.00}. 
On XX/XX/XXXX, added $ XXXX. Now {$230000.00}. 
XX/XX/XXXX got XXXX of XXXX  XXXX  XXXX XX/XX/XXXX put the XXXX into XXXX  XX/XX/XXXX XXXX at XXXX XX/XX/XXXX added XXXX. Break down {$190000.00}. XXXX {$97000.00} XXXX ( $ XXXX + interest ) {$210000.00} XXXX {$500000.00} Total {$260000.00} Basis {$240000.00} XXXX XX/XX/XXXX XXXX  came due. Went to XXXX Bal {$320000.00} XXXX is {$200000.00} {$520000.00} {$260000.00} Basis {$260000.00} XXXX XX/XX/XXXX Put $ XXXX in XXXX. Also made appointment for XXXX  XXXX  XXXX  XXXX. Will put $ XXXX in and will get 15 % -20 % XX/XX/XXXX. Sold XXXX and put $ XXXX in for subscription on XXXX  XXXX  XXXX XXXX coming on Friday XXXX wired $ XXXX for taxes. SCAM XXXX  wanted XXXX to withdraw account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to obtain my credit report via XXXX from Equifax. 

I have done this weekly in the last 3 weeks. I have had no problems obtaining my XXXX  or XXXX  reports. Each time Equifax reports " Online Delivery Unavailable '' and they want a litany of mailed information. I called Equifax last week and there was a suggestion it may be related to a credit freeze, despite what I read on FTC and CFPB websites. I unfroze my account at Equifax. In trying again today at XXXX, I was again told " Online Delivery Unavailable ''. I am confident I am answering the security questions correctly because I am able to complete security for the other bureaus and because I have recent Equifax credit report to reference. I called again Equifax and explained the situation - answers from their representative suggested that they were not aware of the Fair Credit Reporting Act requirements and would not answer why their company could not fulfill the service requirement of XXXX. I asked to speak to a supervisor. At that point, the representative asked me to hold, and after a few minutes the call was terminated by Equifax because I was routed directly to questions about my satisfaction with the call, with no other options. Many other Americans report a similar obstructionist experience from Equifax but not XXXX  or XXXX  - https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week. 

I ask CFPB to interface with the leadership of Equifax and curb this galling and obstructionist practice especially in light of their breach of 150 million Americans information ( of which I was one ).
Product: Credit card or prepaid card

Hope you 're well, to whom it may concern, Earlier this year in XXXX and XXXX, I failed to make my monthly payments on time, I apologize I did n't have enough money to pay on time and also I did n't understand the impact of this as this my first credit card as I 'm learning the importance of it now. Please see the picture attached.
Product: Credit reporting

Equifax has an account on my credit report that is passed the statute of limitations. The account status is also incorrect. The account has been paid. This account is also passed the statute of limitations and should have been removed from my credit report. the date of deliquency is incorrect. I have disputed this information with Equifax and it fails to correct the problem.
Product: Debt collection

In XXXX of XXXX someone opened an account in my name and after not paying it went to collections. It took me a few months to notice this fraudulent debt. 
I have not had a job since XX/XX/XXXX, my spouse and I had just moved with the military to Hawaii in XXXX of XXXX and closed on a new home in XXXX. We had no money and no credit to open an account especially since my credit score was so low in XXXX of XXXX. I disputed this multiple times with transunion and they have failed to help me. I had to meet with a credit agency in XXXX in order to join the military and that was the last time I ever had an account go to collections which was taken care of in order for me to join. I havent received anything in the mail from this which is just proof that they dont even have my correct address and it isnt me. It took months for me to see this. If it was mine I would be getting mail sent to me about said collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Subject : Request for Information on Bankruptcy Verification Methods I am writing to you regarding the bankruptcy listed on my credit report. I would like to know the specific methods you used to obtain and verify this information. 

It is important to clarify that I am not disputing the existence of this bankruptcy on my credit report. I simply wish to understand the procedures and sources used to include this information in my file. 

I would appreciate a detailed response explaining : The specific sources from which the bankruptcy information was obtained. 
The verification method used to confirm the accuracy of this information. 
Any entities or third parties involved in the process of collecting and verifying the data. 

Thank you in advance for your cooperation, and I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an alert on my credit report that states : " Blocked For Promotional Purposes ''.
Product: Debt collection

This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote XXXX XXXX XXXX and wanted the account closed. Instead, XXXX  sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XXXX XXXX, 2017 was cashed.
Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute.
I am attaching the correspondence which is connected to Case Number ID XXXX
Product: Debt collection

Medical XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX, XXXX : XXXX Dear Medical XXXX XXXX, I am writing to request that you immediately under 15 us code 1692c cease and desist all communications, collection activities and reporting to my consumer report regarding the alleged debt referenced above. This includes, but is not limited to communicating with credit agencies, phone calls, letters, and emails. 

I dispute the validity of this debt and assert that I have been improperly contacted by your agency. I request that you provide validation of the debt, including documentation showing the amount of the debt, the original creditor, and any transfer of the debt to your agency, as well as the 1. Chain of Assignments or Chain of Title 2. Date of first Delinquency 3. Date of last payment 4. Amount of last payment Furthermore, I instruct you to remove my name and account information from your database and to notify any credit reporting agencies that the debt is disputed and should not be reported. 

Please confirm in writing that you have received this request and will comply with my demands. 

Sincerely, XXXX XXXX Below, I have cited and remind you of the instructed not only by the FTC but CFPB as well. 
FCRA & Medical Debt Reporting Changes ( Recent Developments ) The No Surprises Act ( Effective XX/XX/XXXX ) : The No Surprises Act limits the ability of providers to send certain medical debts to collections if the debts arise from surprise medical bills ( e.g., out-of-network services ). 
This indirectly affects what collection agencies can report under FCRA compliance since unauthorized debts can not be collected or reported. 
XXXX, XXXX, and XXXX Policy Changes ( Effective XX/XX/XXXX ) : The three major credit reporting agencies ( CRAs ) implemented significant changes to how medical debts are reported : Paid Medical Debt : Paid medical debts are no longer reported on credit reports. 
Debt Reporting Grace Period : Unpaid medical debts must now wait 12 months ( previously six months ) before being reported to credit bureaus, allowing consumers more time to resolve issues with healthcare providers and insurance companies. 
Small Medical Debts : Medical debts under {$500.00} will no longer be reported on credit reports starting XXXX. 
FTC and CFPB Enforcement : The Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) have warned collection agencies against reporting debts in violation of these new rules. 
Reporting of invalid or disputed debts can lead to lawsuits and penalties under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..
Product: Credit reporting, credit repair services, or other personal consumer reports

Gap insurance paid off my loan vehicle still showing I owe the debt and its affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote everything up and saved it as a PDF - please see the attached file : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I trust this message finds you well. I write to express my serious concern over a number of inaccuracies currently present on my credit reports from Equifax, XXXX, and XXXX. 

In reviewing my latest reports, I have found several credit inquiries and false late payment reports that I did not authorize or participate in. They include : XXXX : ACCOUNT NAME : XXXX  XXXXXXXX XXXX XXXX XXXX  : XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX XXXX XXXX DATE : XX/XX/XXXX, ACOUNT NAME : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Equifax : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX  XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX. XXXX : ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX  XXXX, ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX, ACCOUNT NAME : XXXX XXXX DATE XXXX XX/XX/XXXX, ACCOUNT NAME : XXXX  XXXX  DATE XX/XX/XXXX These unauthorized inquiries and inaccurate late payment reports are not only misleading but also have a detrimental effect on my credit score, inhibiting my ability to utilize my credit. This situation is both frustrating and unacceptable. 

I have previously raised disputes with each of the three credit bureaus and provided supporting evidence to substantiate my claims, but the inaccuracies still persist. This letter serves as a formal request for the immediate rectification of these discrepancies.

In accordance with the Fair Credit Reporting Act ( FCRA ) [ 1 ], I have the right to dispute these inaccuracies, and I am asserting that right today. Furthermore, the FCRA dictates that all consumer credit information should be fair and accurate, and currently, mine is not. 

I kindly request that you conduct a thorough investigation into these matters. I am confident that this investigation will validate my claims and lead to the immediate removal of these unauthorized inquiries and inaccurate late payment reports. 

A written confirmation of these changes would be appreciated so that I can verify the corrections on my end. 

Your prompt attention to this urgent matter is highly anticipated. I am hopeful that this can be resolved quickly to alleviate the negative impact on my credit standing. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, American Express has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, Amex/ American Express Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, American Express Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Debt collection

In late XXXX, an apartment complex began reporting a debt of {$4300.00} on my credit report without providing me notice and the required 30 days to respond. Upon being notified, I immediately contacted the apartment complex to dispute the amount, explaining that their numbers were incorrect. 

Four months later, in nearly XX/XX/XXXX, I received a response from the apartment complex, which included a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX. This delay effectively took almost five months for the apartment complex to respond, during which time the incorrect amount continued to be reported on my credit report. 

The documentation they provided included a simple proof of the lease and an incorrect ledger. Additionally, they attempted to charge me for false damages, which I have documented in my review of the apartment complex. 

Despite my timely communication and dispute of the amount, the apartment complex has not corrected the erroneous reporting on my credit report. Their prolonged response time and incorrect accounting have negatively impacted my credit score and financial standing. Again, they started reporting before even notifying us. According to the companies XXXX page they have a terrible history with incidents like this and should be shut down. I have also attached screenshots of some of their XXXX complaints, many similar to mine.
Product: Mortgage

Good day, Sometime during XX/XX/2019 Freedom Mortgage offered to refinance my mortgage with them from 4.0 to 3.5 %. I agreed to their terms and was told i wouldn't need to pay the month of XXXX because that would be included in the new refinance loan. There were some issues with the documents and i was not able to close out on the loan during XXXX. Once the documents were corrected i was not able to schedule the closing because i was late on my XXXX payment. I was charged a late fee and the missed payment was sent to the credit bureaus. I made the XXXX payment early in XXXX in order to schedule the closing on the new refinance. When scheduling i was told again i didn't have to make the XXXX or XXXX payment and that the first payment will be due in XXXX During closing i was told the same thing yet i received another late fee for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In full attempt retaliate my prior complaint against REGIONAL ACCEPTANCE CORPORATION I attempted to make my payment on XX/XX/XXXX ; my prior payment methods using bank account and debit cards have been blocked by RAC. I notified the ASSISTANT VP XXXX on XX/XX/XXXX ; immediately my account was listed as 30 days late on XX/XX/XXXX ; it was 1 day past the due date In the meantime I was sent an extension reqyfor another consumer, XXXX XXXX. I is very clear this company likely has an extension history of incompetence and retaliation. What are my rights to be financially compensated for retaliation for a previous complaint? What are the consumer rights to be protected against retaliation by a company.