23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX - XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident.
Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock.
I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Credit Counsel Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Counsel Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 


I couldn't apply for any loans because of these negative items on my report which should not be there and and it's stopping me to get a better place for my family.
Product: Payday loan, title loan, or personal loan

I borrowed {$1200.00} in XX/XX/XXXX for approximately 2 weeks. On XX/XX/XXXX, I called to pay off the loan in full. The total was {$1800.00}. Big Picture Loans has not taken the payment out of my account and they are continuing to access interest on a loan that was paid off. They are refusing to present the ACH withdrawal to my bank XXXX. I have called my bank on 4 separate occasions to find out if the payment had been presented for payment. XXXX indicated that XXXX XXXX XXXX XXXX has never presented a ACH withdrawal. 

I spoke with the manager at Big Picture, XXXX twice and she assured me she would take care of the payment in full. 

Then I receive an email from the company stating they still have not taken the payment BECAUSE OF AN ERROR ON THEIR PART. 

At this time, I am filing a fraud complaint against this company for unethical business practices and extortion for attempting to access additional interest on an account that was paid off in good faith. The money has been sitting in my XXXX checking account since XX/XX/XXXXwaiting for Big Picture Loans to process my payment in full while I keep getting phone calls stating my account is delinquent and accessing more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just reports anything without any prior notifications, Equifax breach probably caused more aches than anyone else they should be held liable for their mishandling of information. 
I have disputed information with them before now they placed some more derogatory information on my credit for an unknown medical bill from an emergency bill??? I have no medical emergency! 
Highest Balance {$180.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX FLORIDA Creditor Information XXXX XXXX XXXX XXXX
Product: Mortgage

My brother-in-law and I jointly own a condo in XXXX XXXX XXXX, FL. We are current on the mortgage but are underwater by about {$80000.00}. In XX/XX/XXXX, Suntrust offered us an interest only mortgage which they refinanced in XX/XX/XXXX by increasing the payment by about $ XXXX/mo. We also were offered a XXXX mortgage in XX/XX/XXXX with options that we have been paying as an interest only loan for about 8 years. This will reset in 2 years and our payment will go up about {$600.00}. 
We have the apt . rented but do not receive enough rent to cover all costs. We are short about {$900.00} a month which we have been paying for with savings. 
We both have excellent credit but have had a really bad year. My husband died last year which resulted in my loss of $ XXXX/mo of income. I also had another rental property that was used as a XXXX house which cost me {$50000.00} last year until I sold it as a loss. My brother-in-law had a XXXX and was in a serious car accident in XX/XX/XXXX which resulted in XXXX. 
We are trying to get these XXXX loans which are owned by Suntrust modified with lower payments. If they would combine them or modify them, then we could continue to make the payments. 
In fact, my renter is willing to purchase the property as a short sale. 
Suntrust has been very difficult to deal with. They keep on asking for more papers, corrected papers, additional documents. I received a call this morning telling me that the bank statements that my brother-in-law submitted on XX/XX/XXXXare out of date and that he needs to submit new documents. This call also requested a current social security letter even though he had submitted the info XXXX/XXXX/XXXX. I have had to resubmit other documents at least 3 times for very minor issues-like no postal code, corrected dates. They are also telling me that if they do n't receive the paperwork by XXXX/XXXX/XXXX, the file will be closed. 
Also, they are calling me almost every day with different items that they need and sending paperwork requests that do n't match the calling requests. 
Both of us are retired and we are trying not to default on this property. Hopefully you can help us.
Product: Mortgage

Today, XX/XX/2023, received a letter from Selene Finance. Letter explained we have not received your Forbearance payment this month.

Immediately I called Selene Finance spoke to a representative, please see documents attached with my letter dated today to Selene.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681g, Transunion shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. However, upon attempting to retrieve my consumer report on XX/XX/2022, I could not retrieve my consumer report form the Transunion website. Then again on XX/XX/XXXX and XXXX of XXXX, I could not retrieve my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX XXXX and the XXXX market, I need these to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called at least 6 times in 1 week trying to find out why my mortgage lender is not able to pull my credit report through Equifax. No problem with the other 2 bureaus only this one. They keep assuring me that my account shows nothing wrong with it but we still cant pull the report. My husband is having the same issue. Noone tries to help figure this out to help us. I verified the addresses on file because this is the message stating that the address is the issue but the address that was verified with me is the exact address that the lender is using. I am trying to purchase a home because my lease is up in 30  days and I have to deal with this XXXX from this company. They are really keeping me from being able to get a house. I am looking into legal action against this company if we have no place to live because of this. Its ridiculous that creditors that I authorize to run my credit cant do so. Please fix the system now
Product: Student loan

I am looking to pay back the original loan amount that I took out to attend XXXX  school ( {$170000.00} ). I have paid {$36000.00} over the past 4 years and the loans continue to increase every month. Again I have a lender that is willing to pay the {$170000.00} for me right now but I need help in making this happen. The interest rate they are offering me is extremely low and will help both my family and I. The loan company has made {$36000.00} from me in the interest I have paid them. I am currently on the IBR plan which takes 15 % of my income for my payment. If I were to lose my job they would n't receive any money at all. It just really seems criminal that the government can continue to take money from people and the balance continues to increase!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  opened XX/XX/XXXX for the amount of {$970.00}. I sent XXXX certified letters to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in detail that I never opened up a XXXX XXXX XXXX, but they have not taken any actions to remove this from my credit report. 

XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of XXXX. I sent XXXX certified letters to the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX to verify I did not open this credit card they have not removed fraudulent charges from my credit report XXXX incorrect Hard Inquires from XXXX and XXXX XXXX XXXX
Product: Credit card

I need all the statements on this account since its inception in XX/XX/XXXX, and the signed and dated original credit card application which shows all my pertinant personal information and signature. This has been requested since XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I am writing to report a bait-and-switch complaint against EnerBank USA. Last fall, I had my pitched roof replaced by XXXX, and they referred me to EnerBank USA for a no-payment, no-interest loan to underwrite the home improvement project. I used a no-payment, no-interest loan to pay for window replacements by XXXX so I am very familiar with how these loans work. There is a period ( in this case one year ) during which payments are not required and the loan does not accrue interest. As long as the balance is paid in full before the end of the promotional period, you pay no interest. 
My XXXX payment, XXXX interest period with EnerBank USA expires XXXX XXXX, XXXX. 
Even though payments were not required, I made two payments of {$940.00}. My XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX statements from EnerBank USA shows these payments and labels them overpayment credit adjustment. These statements correctly show my regular monthly payment as XXXX because I am still in the XXXX payment, XXXX interest period of this home improvement loan. 

On XXXX XXXX, XXXX, I received yet another statement and it showed a {$940.00} postpayment reversal on XXXX XXXX ; an advance of {$10000.00} on XXXX XXXX, a {$940.00} post payment on XXXX XXXX and a second a {$940.00} post payment on XXXX XXXX. For the first time, the statement required a monthly payment of {$200.00}. 

I called EnerBank USA to complain, and they said these were the terms I signed in XX/XX/XXXX when the loan began. These are not the terms I signed. I agreed to a XXXX payment, XXXX interest period with EnerBank USA for a loan I will pay off in full before this promotional period expires on XXXX XXXX, XXXX. 

My second complaint relates to how EnerBank is now crediting my payments. My statement dated XXXX XXXX, XXXX shows my {$200.00} payment, but {$91.00} of it is applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA XXXX XXXX XXXX, XXXX. This is significant because after that date, this loan is subject to 19.99 % interest. My statement dated XXXX XXXX, XXXX shows and overpayment credit adjustment of {$2800.00} ; that entire amount was deducted from my principal balance. My XXXX XXXX XXXX monthly payment, however, is marked a post payment and {$140.00} of the {$210.00} payment was applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA expires XXXX XXXX, XXXX. My most recent statement, dated XXXX XXXX, XXXX shows my XXXX XXXX, XXXX monthly payment as a post payment and {$110.00} of the {$210.00} payment was applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA XXXX XXXX XXXX, XXXX. 

I believe EnerBank switched me to a different loan product without my knowledge or consent. I am fortunate to have accrued roughly XXXX XXXX in equity in my home. There is ZERO chance I would knowingly sign up for a predatory home improvement loan at 20 % interest when I could have just as easily gotten a home equity loan for a single digit interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard pulls from XXXX XXXX 16. no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I am on credit report monitoring because of a prior data leak from XXXX and others. Because of my current economic issues I do not use credit and have " locked '' my credit report from use! I have even went so far as actively delete all my social media profiles, accounts and the data they had. I regularly receive updates and notifications through Experian ; as part of a free service provided through the data breach. This week I received a regular notification and went to their website to check everything out. To my surprise they are now showing my prior criminal activities from my troubled youth ; Experian never showed any of this previously. I spent a long time working with these courts to expunge these records. I understood through online research, even though the courts may have actually purged these records, many online companies keep and fail to update and delete these records.

The problem is I am already suffering severe financial hardships through dealing with Florida 's workers compensation system. I believe Experian is fraudulently trying to extort money from me by coercing me to sign up to one of their " premium '' services to purge these companies on the internet with their " scan tool ''. I am at a loss as what to do! I want to hire an attorney but know that I can not afford that. I can contact Experian but they will only stop showing these records. I need these companies to delete this outdated information. I am already having difficulties obtaining gainful work as a result of my injuries, this will destroy me! Please help!
Product: Credit reporting or other personal consumer reports

I am victim of XXXX XXXX. The following accounts are a result of XXXX XXXX Attached is my VICTIM DETERMINATION LETTER, ID, PROOF OF ADDRRESS, AND FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employment Information XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In XX/XX/2017 my payments increase after a 24 month repayment agreement. Unaware of my increase in monthly payments I attempted to make a payment and was told they were not going to accept the payment. I seek housing counseling from a HUD counseling agency and submitted a financial packet to be considered for a modification to make my payments more affordable. I was approved for a 2nd time for a 12 month repayment plan which is double the amount of my original mortgage. I disagreed with the decision and sent proof of my income and expressed that the rate is over 9 % and I was unable to afford this payment agreement. They insist on telling this is all they can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I called on : XX/XX/2020 Synchrony Bank XXXX  sent me an e-mail stating that changes were made that effects my credit score.

Synchrony told the credit bureau my usage went up % 66 and they dropped my available credit from {$2500.00} to {$250.00} I did not cause this. My synchrony/care credit card hasn't been used since XXXX 2020. 
How is this possible since it hasn't been used. 

I called Synchrony and they refused to correct the problem they created
Product: Money transfer, virtual currency, or money service

I was hired into a job that sent me checks to deposit and send out to vendors to pay for my computer laptop and other equipment for the representative work from home job. After I cash in the first check I called my bank. I felt that the check was off and I wanted to know if it would bounce. And she confirmed that it was a normal check and that the funds are indeed going to be in my account. Which I then took as a sign to continue my job. The first check was for {$1200.00}. What I sent out from that was {$210.00}. I then received another check for {$200.00} which I deposited and the {$210.00} dollars was refunded back but with a {$36.00} cancel charge.the next day I send {$170.00} to vendor. The next day I had to send {$500.00} to two vendors but one of them was refunded back at {$460.00} because of a canceled charge. And finally {$130.00} to the last vendor of the day. I then took the XXXX that was owed to me at the start and told them that I didnt not want to Continue deposit checks because I do not feel comfortable. They reassured me that it was going to be fine and that with the next deposit I have a {$200.00} bonus with it. I then take out the {$200.00} from that check once it was deposited and the next day my account was on hold and that I have a XXXX dollars charge on it. I then tell her that I think Im being scammed but I just got brushed off the last time I called. I then asked would I have to pay for it. She then stated that I would have to and that the bank would take care of it. But when I went up today to the bank they said I would have 30 days to pay it off before my account is closed and credited
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has been reporting two collection account with XXXX XXXX XXXX XXXX XXXX & XXXX, which does not belong to me & equifax refuses to investigate these accounts that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$9500.00}
Product: Money transfer, virtual currency, or money service

I was trying to send money on Zelle XXXXXXXX XXXX it web br to the wrong person. I was told to request the money to be sent back. I did that. It happened in XXXX XXXX XXXX and the recipient was XXXX.
Product: Credit reporting or other personal consumer reports

I didn't give CB Indigo permission to make a HARD inquiry on my credit report, and they did it without my permission..
Product: Mortgage

XXXX XXXX XXXX CFPB Original case # XXXX Mutual of Omaha overcharged me on Taxes!

For 3 years Mutual of Omaha overcharged me on taxes.

1st year {$8000.00} 2 year {$4000.00} 3 year {$4000.00} Omaha decided that they wanted to use market value versus assessed value.

NOBODY uses market value for taxes. Yet Omaha did!

Omaha responded to the original complaint by saying they would change my payment from {$1800.00} to $ XXXXThey did not do it! I am still paying {$1800.00}. 
I want my payment to be {$1500.00} and I want Omaha to reimburse my overpayment of {$600.00} for the last 2 months.