23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently, Firstpoint Collections reported eleven separate medical collections on my credit report. Prior to their appearance, I was not provided with a 30-day notice of my right to dispute. By reporting these collections without giving me the chance to contest them, is a violation of my rights. Additionally, I was requested a verification of debt on each of the eleven collection accounts from Firstpoint Collections. The requests were made by phone and by postal-mail over 30 days ago. Requests for those verifications have also gone ignored, which is also a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to address a collection notice that recently appeared in my credit file from your agency. However, I am concerned as I have not received any prior notification regarding this collection, and I question the accuracy of the associated debt. 

In accordance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide the following documents for verification :
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX Pandemic period, I was offered a Covid Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the XXXX credit bureaus. The put me on a trial period plan where I make XXXX straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the XXXX credit bureaus that I had XXXX days late and it dropped my credit scores XXXX points!!!!
Product: Money transfer, virtual currency, or money service

western union : - XXXX recording date : - XX/XX/2021 amount in USD : - XXXX amount and currency to be delivered : XXXX rupees I have sent this money to XXXX to my family member bank account he never received the money till today i have tried to contact western union several times and they are saying that i have to ask that XXXX XXXX  how can i ask them i have did this transfer with western union so i have to ask them from last 2 months they never helped me to get my refund back or to make money available to the receiver they are keep on sending email to the XXXX XXXX  and the XXXX XXXX  is keep on saying that the money is already deposited in the receiver 's account and that6 guy never receive the money
Product: Payday loan, title loan, or personal loan

Direct Recovery XXXX is calling all my family members they see On XXXX XXXX and leaving detailed voice mail about my debt .... On Family members Voice-mail. It is making my family members angry because they do not owe this debt.
Product: Student loan

I consolidated my loans by the XX/XX/year> deadline to access the benefits of the save plan as per the information given to me by the US Department of Education. I was assigned a servicer named mohela, and since then the servicer has moved my loan repayment date up by more than a year and a half. Moreover, the servicer refuses to accept documentation proving that I am XXXX XXXX and continues to demand payment in full in the amount of over {$800.00} per month while I am XXXX XXXX XXXX I reached out to the servicer to demand the reversal of my loan consolidation, I have reached out to the federal student aid organization to demand reversal of my loan consolidation, and now I am being forced to pay back my school loans while I'm XXXX XXXX My complaint is against mohela for refusing to allow me to reverse my consolidation, and to the Department of Education for failing to honor the terms of the loan consolidation agreements that it made with XXXX like me. My credit score has been impacted by the false information provided by this loan servicer, and having to pay back my loans while I'm XXXX XXXX is an undue hardship that was not part of the consolidation agreement. Furthermore, the loan servicer mohela Has changed the loan agreement stipulations without notice.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted XXXX separate dispute & investigation requests to Equifax regarding what I believe to be inaccuracies on my credit report. As of today, XX/XX/XXXX, I have not heard any result or communication regarding these requests and no dispute has ever been opened. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute notice unless they reasonably determine that the dispute is frivolous or irrelevant. Unfortunately, despite the passage of more than 30 days since my dispute was submitted, I have not received any response or resolution from Equifax. 

This lack of response is not only a violation of my rights under the FCRA but also negatively impacts my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for their failure to comply with the FCRA. 

This is a Violation of Fair Credit Reporting Act & The accounts in question should be deleted in their entirety from my credit file immediately due to failure of Equifax to respond in the legally required time frame. 

Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not give the Creditor permission to inquire on my credit report. I have a active fraud alert on my personal credit report, due to my name ssn address phone number being leaked on the dark web. these are the following : XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX ONEMAIN Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Unions XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit inquiry alert on XXXX XXXX XXXX. Once opened I noticed a new " Hard Inquiry '' on my report. The company used was XXXX, which I also filed a complaint about. WHen I called them they advised that the original inquiry came from Quicken Loans which I never authorized. This is fraud and would like the inquiry removed asap. XXXX advised that QuickenLoans needs to contact them to have the inquiry removed.
Product: Money transfer, virtual currency, or money service

Account through chase. I was scammed or victim of fraud, a total of {$2000.00}. Two separate XXXX dollar transactions on XX/XX/XXXX and XXXX. I was trying to buy a monocular online through a site called XXXX. Once the money was sent the person XXXX XXXX then he kept telling me something happened or a bunch of excuses and he couldn't send. I started looking into his feedback on the website and realized he had set XXXX fake accounts to make his profile look honest but they were all fake and found the same item/ pictures for that same item on sale 8 months prior under a different profile name and that profile was shut down for suspicious activity. I filed a police report and notified the bank of the issue as soon as these things were brought to my attention. After trying numerous times to get my banks help on this to try and recover some of the losses they have not helped or tried assisting me in this at all so far. Police report # XXXX. If additional information is needed I have all the proof documented in email form upon request. I have a lot more evidence in email form but this site is limiting me to the file size I can upload but I can provide everything upon request.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Inquiries are being furnished on my consumer report that I did not authorize nor consent too.
Product: Debt collection

I have the knowledge to believe that my personal information such as my name, social security number, and date of birth may have been compromised due to identity theft. I have previously tried to address this matter and failed to come up with a positive solution. This particular item for an account that I never set up has been lingering on all three of my reports for some time now. I chose to address the matter with you all to make additional attempts in settling my dispute.
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX XXXX  to Freedom Mortgage Corporation. During the process I sent extra 3 extra payments of {$440.00} to insure the new mortgage servicing company received timely payments. I didn't realize that drafts had already been put in place. When I realized the drafts were taking place, I made telephone calls and sent certified letters asking the additional payments be refunded. One payment was refunded but the other two payments have not been forthcoming despite promises that repayment would be made. 
XXXX, XXXX XXXX, Texas exempts XXXX veterans from county property taxes. After my last discussion on XX/XX/2022 with Freedom Mortgage, XXXX XXXX XXXX, I emailed a copy of the latest XXXX XXXX XXXX XXXX statement showing my exempt status and again requested a refund of the two overpayments. No response has been forthcoming despite Freedom Mortgage having my phone number, address, and email address. 
I request CFPB contact Freedom and any appropriate law enforcement agency and demand Freedom refund my payments. Thank you.
Product: Credit card

I have Opened an account at Chase -- Three months ago. 
I got a Credit card with Chase -- Freedom Unlimited Visa. 
Recently during the HOLIDAYS XX/XX/XXXX I made a purchase ( around {$600.00} best buy ) with the card as I got a very nice deal on few items. The transaction went thorugh without any issues and was cancelled after three days as the transaction was declined by Chase. Chase Freedon Unlimited says that it went to Fraud and they placed a hold on it. I did not receive any call from Chase regarding the decline. 
I called the Chase Visa office directly and they said they can not do anything about it. 
I am really disappointed with the service. 
These are the reasons for my disappointment 1. I did not get call that my creadit card was declined from Chase. 
2. My shipping address is same as my Chase Credit card/ Bank Address . 
3. I have a really bad experience with Chase as nothing was done to keep me as a customer 4. Who will cover my loss as the deals are no longer available in any store.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent personal information is linked to my identity. Accounts and transactions have been wrongly attributed to me without my consent, causing significant distress. I'm a victim of identity theft and have reported this. This issue urgently needs addressing as it's harming my finances and reputation. Please remove all fraudulent information from my credit report quickly and investigate thoroughly. I'm ready to provide evidence and take legal action if needed to protect my rights and seek compensation. Your quick action is crucial.
Product: Mortgage

I consistently pay my mortgage payment on time every month. Mr. Cooper, also known as a nationstar mortgage continues to take my mortgage payments and apply them towards my principal. Since XXXX I have had to call them every month to make them properly apply my payments. In the process, they have charge me late fees, and now my mortgage is behind an entire 30 days which is probably affecting my credit. I am so stressed out over it because I try to pay my bills on time and Im being punished by them. I believe its some form of fraud because there is no way I should I have to call the company every month for the same thing for misapplied payments and they continue to do it. It is causing me so much undue stress that I am losing sleep over it every time I check my account. Every time I speak with someone they say theyre fixing the problem and they never do. I believe that they are committing fraud on me in an effort to collect late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX I am a victim of an XXXX XXXX ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the XXXX XXXX ( see attachment ). All 3 credit bureaus XXXX, Experian and XXXX needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXX XXXX  and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My late wife and I had paid off a car loan from XX/XX/XXXX and paid satisfactorily in XX/XX/XXXX. I asked Equifax to remove this from my credit report and they still has not done this in 9 years. 
They ( Equifax ) appear to block me from correcting this matter.. 

Thank tou
Product: Money transfer, virtual currency, or money service

One girl contacted for renting my room from the ad of XXXX that i posted. She sent me a check for XXXX dollar for rent + processing of her car transfer from XXXX. And after receiving the check i deposited it and after one day the amount was posted in my account and i transferred the money to the above account according our discussion. But after one day when my money transfer was completed, she put a hold on the check and my check was returned and the whole amount was deducted from my account. After that i contacted her and she said i needed to XXXX XXXX dollar to some other account and i didnt have the money. She force me to send XXXX dollar at last saying that after i sent this XXXX she will withheld the hold, so i did that transaction to another account. But now she is n't responding. And the whole amount was deducted from my account. I complained to the bank, they were n't ready first time to take the complaint. After that they tooka complaint and gave me a reference number. Bank even didnt notify me about the pending process in time and didnt take my request to hold the online money transfer.
Product: Credit reporting or other personal consumer reports

I am formally writing this complaint because I have received results regarding the most recent dispute. 

It appears to me that the account I disputed is still reporting in this agencys system inaccurately. I am aware that the data furnisher may be instructing EXPERIAN to update this account. The issues that I have complained about have not been resolved even after numerous attempts to dispute. 

The creditor is failing to update EXPERIAN with accurate information per 15 USC 1681s-2 ( 2 ) duty to correct and update. 

Since the creditor has failed numerous times to update EXPERIAN with accurate information, it is fair to assume that the account can not be verified accurately because the in the account being updated and corrected. 

This account is legally unverifiable at this point. Furnishers have a duty to provide consumer reporting agencies with the correct information to report on consumers, but consumer reporting agencies have a duty to ensure that the information being provided to them is true and XXXX percent accurate at all times.
Product: Mortgage

My mortgage started at {$150000.00} with XXXX, I put down XXXX % and thought I had a decent mortgage. After XXXX went out of business, it was sold to an investor. The servicer became XXXX XXXX XXXX, I attempted a modification while being serviced by XXXX XXXX XXXX and my mortgage went to {$180000.00}, however my interest rate was 10 % with a balloon payment. My mortgage was transferred to Select Portfolio, where I was given a remodification, which brough my mortgage up to {$180000.00}. My new interest is 9 %, but after calculation, over 10 years, I have paid over {$200000.00}, my new mortgae after modification, has no pay down, I am patying interest to infinity with a baloon payment of {$180000.00} + that can come due at any time. I have tried to apply for another mortgage but because this is not FHA, I have had no success. I would like to stay in this home and have done everything I could to pay my mortgage, but this is a worst case of predatory lending, and I see no end in sight. No one can tell me what type of mortgage this is, and my questions go unanswered. I just want a regular mortgage with a moderate interest rate and a payoff date. Please help, Please
Product: Credit card or prepaid card

Capital One After receiving the attached document on XX/XX/2021. Capital One decided to close my account and I did not request for Capital One to close my account On XXXX XXXX stating that it was based on business concerns that did not relate to my credit worthiness. When on XX/XX/2021 at XXXX and XXXX on a recorded line from 3 reps. one specifically by the name of XXXX, and The Fraud account manager Supervisor XXXX stated that my account was closed due to excessive account returns.Which indeed in not a fact. Another rep. then stated the account was closed due to account usage with no further details. Then finally the final rep then stated it was due to inconsistent activity. which once again is not a fact. To then send me a letter via email stating it was based on business concerns that did not relate to my credit worthiness.
Product: Debt collection

This creditor is harassing me in attempt to collect a debt that is not owed.