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

This is a list of all hard inquires that are reporting to my XXXX, XXXX, and Equifax which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, Equifax, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 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 XXXXXX/XX/XXXX
Product: Debt collection

I am a student loan borrower who has historically been serviced by XXXX  until recently being switched to MOHELA. 

On XX/XX/XXXX, I applied for the SAVE Income-Driven Repayment ( IDR ) plan on the Federal Student Aid website. My monthly payments under this plan were set to be {$0.00} XXXX XXXX XXXX XXXX 

My loans were transferred to MOHELA in XXXX XXXX XXXX This was a result of being approved for Public Student Loan Forgiveness ( PSLF ). On XX/XX/XXXX, MOHELA charged me {$180.00}. My bill from XXXX said I had a {$0.00} XXXX XXXX XXXX XXXX payment due on XX/XX/XXXX, so I was unsure why I had to pay {$180.00} when my loans were transferred. I called MOHELA on the due date ( XXXX XXXX  to inquire why I was charged when my payments are set to be {$0.00} on the IDR plan I am currently on. The woman I spoke to said she didn't know why, and said she would ask her supervisor. I was on hold for a while longer, to which she said her supervisor didn't know either. I paid the {$180.00} to prevent my account from becoming delinquent. 

I went back to the Federal Student Aid website to recertify my IDR plan on the same day after the phone call XXXX XXXX XXXX thinking that would help. It still says my payments should be {$0.00} each month given my financial status, loan amount, filing status, etc. The IDR has been submitted to MOHELA, but still has not been processed as of XXXX 

The following month, I received another bill for the same amount ( {$180.00} ) with a due date of XXXX I paid it, again, in fear of becoming delinquent. 

Now, I have suddenly been placed into a completely different repayment plan without ANY notification. This repayment plan is called the " Standard/Level '' plan, and makes my payments {$420.00} a month. I did not switch payment plans and have always wanted all my loans to be on the SAVE plan. Today, XX/XX/XXXX, I went ahead and manually submit ANOTHER IDR plan on the Federal Student Aid website, which still says my monthly payments should be XXXX 

On top of all of this, MOHELA has entered my employer 's information incorrectly for PSLF. While I am still actively employed by my employer, my employer has an " end date '' listed in my MOHELA account, meaning the payments that I am making do not count towards PSLF because my employer is not certified correctly. I have never left my job and have always been working here, and do not know why there is an end date listed when I have submitted all the proper forms. Of course I submitted a manual PSLF application ( on XXXX XXXX  to remedy this, but as of XXXX it has not been processed. I have also sent numerous messages on the secure chat center ( on XXXX XXXX XXXX XXXX and have gotten no reply.
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$380.00}, {$520.00}, and {$110.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I received an alert notice from XXXX XXXX XXXX, an Experian company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XXXX XXXX, XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with XXXX and XXXX. Experian referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( Experian 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
Product: Payday loan, title loan, personal loan, or advance loan

Received an email telling me I could decrease my monthly payment by canceling my extra insurances.
Product: Payday loan, title loan, or personal loan

Golden Valley Lending BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Phone : ( XXXX ) XXXX Web : www.golden-valley-lending.info Category : Questionable Activities Complaint On or about XX/XX/XXXX I obtained an online loan for originally XXXX XXXX Dollars ( {$1000.00} ). I was not aware of the astronomical interest rate of 720 %, that would result in my final payout would be close to {$5000.00}. After the fact ; I did research on this institution and found out they are a Tribal entity. I was not aware of this fact. There are several complaints against this lending institution, as I have given an example of the BBB below. Government Action Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc., and Majestic Lake Financial , Inc. Case # XXXX. The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. The case is currently pending. XXXX XXXX XXXXXXXX Here are the two payments that I have done up to now ; Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$300.00} Principal : {$50.00} Total : {$350.00} Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$280.00} Principal : {$50.00} Total : {$330.00} I called Golden Valley Lending to find out what the pay off would be if I paid early. For a loan remainder of {$850.00}, my pay off value is {$1100.00}, which I will pay on XX/XX/XXXX. I was not expecting such a high interest rate, thinking my loan would be about paid off by now, if not paid off. I was in for a huge shock. I made a mistake once and will not ever make that mistake again, it was supposed to be for emergency purposes. Remedy Sought : I would like to recoup some of the interest rate that was/is charged on this loan. This practice is highly questionable in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasion about fraudulent and incorrect info on my credit report. A letter was mailed to me XX/XX/2019 stating Section 605B ( c ) of the Fair Credit Reporting Act is not removing any information from my credit report. Due to the erroneous fraudulent items on my Equifax credit report I am not able to utilize my credit effectively. Please assist me to ensure Equifax comply with the concerns of this manner. 

Thank you
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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

List of accounts to be deleted. 
XXXX Late Payment Report in XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX  The reporting of these account is violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loan payments were paused due to the CARES Act until XX/XX/2023, as a result of the COVID-19 pandemic. However, I recently discovered that there is a late payment being reported on my credit file for the period during which my student loan payments were on hold. 

I would like to request that you investigate this matter and correct the inaccurate reporting on my credit account. The late payment does not accurately reflect my financial responsibility during the designated pause period for my student loan payments. I have been diligent in managing my finances and ensuring that all my obligations are met on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from XXXX but still are showing up on XXXX and Transunion. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a space coast open account and a self lender account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX - XXXX - {$47000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notice, which I have attached once more again for your record!
Product: Credit reporting or other personal consumer reports

I would like this invalid account deleted from my credit report immediately. I am writing to file a formal complaint against XXXX, Equifax, and XXXX XXXX XXXX regarding their blatant disregard for my consumer rights in connection with a debt collection account that is erroneously reporting on my credit report. I have taken all necessary steps to rectify this situation, yet I have been met with inaction, lack of communication, and a complete disregard for the regulations set forth in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent certified letters to XXXX, Equifax, and XXXX XXXX XXXX, respectively, notifying them of a debt collection account that I believe is invalid and should not be reporting on my credit report. The purpose of these letters was to formally request documentation to verify and validate the accuracy of the debt, as well as to initiate an investigation into the matter as outlined by the FCRA. I have meticulously followed all procedures and ensured that each letter was delivered within the stipulated timeframe. 

The certified letters were delivered and received by XXXX, Equifax, and XXXX XXXX XXXX on or before XX/XX/2023. The tracking numbers for each delivery are as follows : XXXX : XXXX Equifax : XXXX XXXX XXXX XXXX : XXXX I urge you to verify the delivery of these letters by visiting XXXX  using the provided tracking numbers. Despite the undeniable receipt of my correspondence, I have yet to receive any documentation from XXXX XXXX XXXX regarding the validity of the debt in question. Moreover, I have not been informed of any investigation results from either XXXX or Equifax within the mandated 30-day period.

This situation not only undermines my consumer rights but also tarnishes my creditworthiness unfairly. I have taken the necessary steps to address a concerning discrepancy on my credit report, and the lack of response and cooperation is very frustrating. The disregard for my rights as a consumer is troubling and goes against the very principles that the FCRA aims to uphold. 

I implore the Consumer Financial Protection Bureau to take swift action in this matter. XXXX, Equifax, and XXXX XXXX XXXX must be held accountable for their failure to adhere to the FCRA regulations and for their evident negligence in responding to my inquiries. I request that this account be immediately removed from my credit report.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 3 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, but this time, there was an unexpected discrepancy. I even refreshed my browser, hoping it was just an error, but it remained. This issue is deeply frustrating, and I need the documents Ive submitted to be reviewed immediately so I never have to deal with this again.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally. I am a victim of unfair practices. Someone used my personal information to acquire credit with out my consent or authorization. please assist me with Deleting these items from my credit reports, effective immediately. 
These fraudulent accounts consist of the following : Company or Organization : XXXX XXXX or Organization : XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization ; XXXX  Account Number : XXXX Total fraudulent amount : {$3100.00} Company or Organization : XXXX XXXX  Account Number : XXXX Total fraudulent amount : {$170.00} ____________________________________________________ Company or Organization : EXPERIAN XXXX or Organization : XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Total fraudulent amount : XXXX Company or Organization : XXXX  XXXX Account XXXX : XXXX Total fraudulent amount : XXXX Company or Organization : XXXX XXXX  Account Number XXXX XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX Account Number : XXXX Total fraudulent amount : {$170.00} ____________________________________________________ Company or Organization : XXXX Company or Organization XXXX XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX  Account Number XXXX XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX Account Number : XXXX Total fraudulent amount : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : Equifax : XXXX XXXX : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Mortgage

I submitted an application two months ago to purchase a condo. Less than a week before the closing, the lender said the condo had not renewed its FHA certification. The lender was unresponsive to phone calls, e-mails, and attempted to charge me a lock fee when it did not timely move my application through underwriting. The lender also failed to provide accurate information about the status of the underwriting approval. After I complained about the lock fee, XXXX XXXX, the closing coordinator, became less responsive. I believe the lender was negligent in not checking the FHA certification much earlier in the loan process and the missed the closing deadline by failing to take appropriate action.