23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a BOA credit card account, I was trying to set up the account to have an automatic payment withdrawn every month. I had issues with their website getting this setup, I tried to call their Customer Service on XXXX occasions, only able to get through without over a one hour hold on one occasion. When I was setting up this account for an automatic withdraw their was no payment due, while I was setting up this account, it appeared like the website was struggling, it wouldn't save any information. To my surprise, I found out that even though I couldn't reach any help through their XXXX number, and no chat worked, I was charged for a bogus payment, even though I made every human effort to contact them. This is a scam, a large company that doesn't invest enough in service going after a working person. Please feel free to call XXXX, like I said I only ever got through one time out of twelve, it was really disappointing when I tried to call them when the issues were clearly on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated three credit cards XXXX, Military Star, and XXXX XXXX, thru the Consumer alliance processing corporation two of my cards were paid with no problems but the Military star card was for some unknown reason was transferred to collections after the account was paid off in XXXXXXXX XXXX XXXXXXXX. The account was transferred after the account was paid off. The confusion starts with Military star they cant answer a simple question as to why the card went to collections especially since they had been receiving XXXX dollar payments from XXXX XXXX which was agreed on by a XXXX XXXX XXXX at Military star, on XX/XX/XXXX why my original account ending in XXXX went to collections is the problem. I have been given several different answers by several different associates at Military star and as I have stated nobody has wanted to answer why the account was transferred to collections. Im asking that Military star remove this error from my credit and or send a letter to the credit bureaus stating that their late and missed payments were in error on their part and that they make me whole for causing me to not get a car and a home which due their negative reporting for the last two years I have been being denied credit cards and I have been being denied credit period! I sent all documents, I had consumer alliance call them while I was on the phone as well two different associates stated that the account ending in XXXX was paid in full in XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX and yet Im receiving negative letters stating I was delinquent in payments which were being sent since XXXXXXXX XXXX XXXXXXXX. As I stated the question to Military star is who and why did my account go to collections thats where you will find the problem. Im currently trying to purchase a house and I need this corrected and removed immediately. I have refrained from bashing this inept company Military star I just want this corrected. Thank you
Product: Student loan

I have been part of the IBR repayment plan since 2013. In XXXX it was time to recertify my income for the next year. I filled out the application on studentloan.gov and attached my IRS tax return. 

I have XXXX servicers currently : Navient and XXXX XXXX. XXXX XXXX recertified my participation in the plan and is in the stages of calculating my payment. Navient denied me because they said my income is to high. To my understanding once I am in the IBR plan I can not be kicked out and they must adjust my loans according to my income and balance of loans. If my payment would be higher then the 10 year standard rate. I would pay that while remaining on IBR. To my knowledge they can not deny me, as it is only a recertification, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted countless claims against Shellpoint Mortage because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from Shellpoint stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, Shellpoint increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Product: Debt collection

Midland Credit Management XXXXXXXX XXXX XXXXXXXX Balance : {$590.00} To Whom It May Concern, I am writing to dispute the collection account that you have reported as an " OPEN ACCOUNT '' on my credit report, as it is not in compliance with the FCRA LAWS and Metro 2 laws. Collection accounts should not be reported as " OPEN ACCOUNTS, '' and it is imperative that this erroneous information is promptly removed from my credit report. I request that you provide me with an updated copy of my Credit Report once this incorrect entry has been removed.

According to consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and Metro 2 laws, I have the right to dispute inaccurate or misleading information on my credit report. I believe that this reporting of the collection account as an " OPEN ACCOUNT '' is incorrect and not in line with the applicable laws governing credit reporting. 

Please investigate this matter thoroughly and correct the error as soon as possible. Failure to comply with the FCRA and Metro 2 laws can result in serious legal consequences. 

I am looking forward to a prompt resolution to this dispute. Your cooperation in rectifying this matter is highly appreciated. 


Sincerely, XXXX XXXX
Product: Debt collection

Capital one has been calling all most every day to call them back. went on their chat line and talked to a rep he said call back when I had phone # he said my CC account was up to date and no problems. That was the only account I had. Next day went back on chat line they said I had 2 other accounts under my name with their collection/recoveries dept and told me to call XXXX. Called on XX/XX/18 nothing was opened I had 2 account closed with a bankruptcy. I gave her the number she said call the do not call registry and register which I did on XX/XX/18. Now this number XXXX XXXX has called every day and left a message for a long time. I thought they wanted to raise my current CC limit. plus my answering machine was not working for about 3 week so I just did not respond. But then they just kept calling so I went online
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Product: Debt collection

After viewing Halsted Financial Services response to my Complaint i became very disturb as the labled the fabric of my Complaint as Categorically False. This paints me as a liar and dishonorable before my God pursaunt the Proverbs 12:22 of the Holiday Bible which states that lying lips are and abomination unto the Lord. This dishonor blemishes me as I approached the season of XXXX XXXX. I Envoke Spiritual Jurisdiction and and Demand that Halsted Financial Services immediately address the matter.I have detailed recordings of all my calls with Halsted Financial Services and can objectively prove and will prove in a court of Law that the used deceptive tactics, and refused to State the intent of their communications even when asked directly if they were a debt collection agency or Compant. While the company 's response is to the CFPB is to my satisfaction given the courses of action they promise to take, it does not alleviate them of the verbal contact that was in place for the consideration of my rights that were envoked and violated and can not change the facts of the events that occurred. I fully intend to seek payments and remedy from Halsted Financial under the stipulation of contractual terms that was given and communicated to be understood. Pursaunt to XXXX XXXX XXXX XXXX  of The Holy Bible, and doctrine of my XXXX XXXX, Halsted Financial Services must render unto me what belongs unto me or stand in breach of my Spiritual Rights, as they denying me the right to Stand fast in the liberty wherewith Christ had made me free and to not be entangled with the yokes of bondage pursaunt To XXXX XXXX XXXX XXXX XXXX XXXX, as I fully intend to seek what is owed through legal means. Halsted Financial Services must pay me in full for all verbal contracts they agreed to with understanding as they expressed, as these contracts were perfected by proformance. As my Yom Kippur fasting begings Thursday i will not entertain any business dealings or transaction. Halsted Financial Services is therfore given a grace period from the time of receiving this notice until Wednesday XX/XX/XXXX, at XXXX XXXX XXXX to fulfil all payments. Beyond that period i will file a federal lawsuit for the violations of my Spiritual rights and to seek contactual value as stipulated. If Halsted Financial Services sends me a Check for {$50000.00} to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX before XXXX XXXX, i conditionally agree to dissolve all contracts, pending/open, and or perfected and agree to a full non-discloser of this settlement inwhich i agree not to share any information of this to anyone. Check must be payable to the order of XXXX XXXX. I make this offer in good faith to avoid a legal proceedings. I urge Halsted Financial Services to demonstrate acceptance of this incredible nominal offer as a court of law will agree it is incredible reasonable given the totality of the circumstances. 
These terms were also verbally communicated to Halsted Financial Services as of XXXX minutes ago I authorize Hasted Financial Services to Contact me Via Email : XXXX to verify that they have sent a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. the list of account below has violated my XXXX protected consumer right to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
Has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 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 following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Upon a detailed review of my latest credit report, I noticed several unauthorized accounts that were added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Product: Mortgage

I have made multiple attempts to voluntarily surrender the property. Instead of accepting my offer to voluntarily surrender, I was involuntarily signed up for a modification. Again, I attempted to follow the process for a short sale. Ditech has extended the process for more than six months by repeatedly asking for documentation that has already been submitted. During this time, the damage to my credit score continues to progress rapidly. At the time of the start of this short sale process, I had XXXX potential buyers ; however, the time limit for their offer has expired because of repeated request from the mortgage company for updated documentation.
Product: Mortgage

I requested a mortgage modification with XXXX XXXX, the modification request has been processed and I received the documents for the Trial period Loss Mitigation option. The modification documents have my ex-wife name on them and they are also requiring her signature, XXXX XXXX was Quit claim deed off the property XX/XX/2016. The mortgage loan was obtained in my name only. I can't sign these documents because they are incorrect and they include her name. If my ex-wife signs these documents it will add her to the mortgage loan and Title, Regions will record the modification agreement adding her name to they are of which of which she wasn't ever on the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting that I don't have a credit score or credit history. My mortgage company and creditors report my credit to Experian every month, but for some reason, Experian does not display my credit in their records. I have an extensive credit history and my credit scores are around XXXX with XXXX and Experian. I have been denied mortgages, credit cards and auto loans because Experian has not fixed this problem in over 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX XXXX and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also SYNCBXXXX, This was not mine also
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies has 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 instruction. 

I have the following inquiries on my credit report, in which I did not authorize or have knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2012 XXXX
Product: Credit reporting or other personal consumer reports

Moneylion account was opened in my name fraudulently and they wont remove it off of my credit report after Ive given them everything explaining it was fraud.
Product: Student loan

This is a old issue that I 'm reporting. in 2011 I was in a hard spot since work load plummeted and I was barely able to put food on the table let alone pay for this student loan. I attempted to file for deferment due to economic hardship. Submitted all of the paperwork they had sent me. This was in XXXX. In XXXX they had sent my account to Collections and refused to talk to me anymore about my loan. Stating they no longer " owned '' it. Recently I tried contacting them again to see if there was anything I could do. Again told no. I tried to contact the Lender/Guarantor that is listed on my account with them still, only to reach a bunch of disconnected lines and non-existent phone numbers. The shady business practice they have has had a major impact on my credit and may impede my job.
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were without, y consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE XXXX XXXX XXXX ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to access my Experian credit report at experian.com, as I was denied credit due to a false negative item on my credit report. After entering my personal information to access my credit report, I received the error message " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. I had also received the same message several times in the previous year. 
On XX/XX/XXXX, I was able to speak with a representative after several failed attempts to do so. The representative did not have a solution the error problem, but signed me up for an Experian membership which would allow me to access my credit report. Unfortunately, it did not allow me to have full access to my credit report, so I had the representative send a copy to me via US Mail. 
The credit report was delivered today, XX/XX/XXXX. I found the incorrect negative information on the credit report and went back to experian.com to file a dispute. I entered all of my information into the online dispute form, including the Experian issued report number the instructions said were needed to file a dispute.I clicked the submit button only to get a response of the same error I have gotten for the last year : " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. 
It is extremely unfair that Experian has control of individual 's credit histories when their systems are not allowing access to a person 's own credit records, or access to a customer service representative, either online or by telephone without excessive difficulty. My good credit history is being damaged due to incorrect credit information held by Experian, which I am unable to access or correct due to their failures and I need assistance resolving the issue.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i which mandates a reasonable investigation. Also Equifax violates CFPA, 12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) - ( B ). 
XXXX XXXX XXXX
Product: Debt collection

I get a call every single day, sometimes multiple times a day, from a company called RPM ( Receivable Performance Management ). The number is usually from the XXXX area code. The latest was XXXX XXXX XXXX XXXX. 

I only know who they are because I looked up the number. If I do n't answer, I get a voicemail of a recording that says " This is a call from a debt collector. Please call XXXX ''. If I DO answer, I only get silence. At no point can I ever talk to anyone and tell them to stop calling me. 

I have no accounts in collection. I routinely check my credit reports. I just want this company to stop calling me. I refuse to call their XXXX number just because they use robocalling with no one on the other end to talk.
Product: Credit reporting or other personal consumer reports

I noticed Hard inquires added to my credit report that I didn't authorize and I also noticed Hard inquiries that are still on my credit report longer than XXXX  months that I didnt authorize. 

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

I am requesting my consumer report and submitting the information requested by Experian for the 4th time. I have a right to my credit report and scores and I am being denied that right by Experian using stall tactics to keep my report from me.