23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Last year XXXX, XXXX XXXX XXXX was bought out by Firstmark Services and transferred my private loan account over and changed the terms on my current plan. 
I had a gradual repayment plan that was already in effect and when company transferred, they did not honor the repayment plan that was agreed upon and without telling me put me on an interim payment plan. On XX/XX/XXXX apparently my current interim plan had ended to a full payment plan. There was no letter or email of intent to end my current plan and the numbers being requested do not make sense or add up correctly. 

In addition, they did not put any of my monthly payments from years XXXX into principal and only applied it to accumulated principal at ridiculous rates ranging 10.5 % XXXX % interest rates over the years PER XXXX. Granted its a variable interest rate, but these rates do NOT represent the current market at the times and have not changed. 

I have been robbed over $ XXXX from lack of communication and assistance form representatives with all parties involved. Even having some supervisor representatives from Firstmark still me that I am being ripped off. 

In an effort to reduce my monthly rate, I was able to pay off XXXX loans in the last 6 months to make my balance $ XXXX month for the remaining $ XXXX on my account ( originally {$86000.00} the last 6 years of ON TIME payments ). 

The $ XXXX was a reasonable and accurate sum of the remaining XXXX loans, but effective XX/XX/XXXX, they are claiming the balance will be $ XXXX which does not add up.
Product: Mortgage

I went through XXXX and was contacted by quicken loans for a refinance. I was told by XXXX XXXX of quicken loans that I could get cash out to consolidate debt. I asked what if my residence did n't appraisal for 80 %. XXXX of quicken loans assured me it would and there was no chance it would n't. It did n't appraise for that amount ( 80 % ) and now quicken loans is only offering a refi with no cash out which would actually lose me money. They made false promises and now charge me {$500.00} for the appraisal
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 45 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 


I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute, as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem fixed asap, I will not wait another 45 days to receive no response, because it is clear your organization is intentionally ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, as it has been over 45 days so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. 

I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. 

XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. XXXX XXXX XXXX, XXXX reports XXXX and Equifax reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. 

Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. 

Last there is an account with XXXX XXXX  that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXX XXXX. The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a investigation letter to TransUnion, XXXX and XXXX to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and L account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after 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 verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation
Product: Credit card

I am reaching out regarding my dispute over the charge of {$1700.00} for a hotel stay later in the year fraudulently billed to my Chase credit card on XXXX XXXX XXXX, from XXXX XXXX. After reporting this fraudulent transaction to Chase, this was mistakenly rebilled on XXXX XXXX XXXX. I called in and spoke with a Chase Recovery Representative and they explained that the merchant had verified my information on file which caused a rebill of the unrecognized fraudulent charge. I provided the following information to the Chase Fraud Recovery Representative to re-open the case : This merchant ( XXXX XXXX  ) has my saved contact/credit card information as I have previously made transactions with them. My contact information, addresses, email, phone number, and even credit card information were already saved in their systems. 
The charge that was disputed was an unrecognized charge that I did not make. When Chase reached out to the merchant, all my saved information was provided to verify the charge even though I did not make this transaction. 

Today, on XXXX XXXX XXXX, I called Chase and they again would not assist with this saying the fraud charge was verified. I then called XXXX XXXX directly to see if they would be able to assist, but they tried to coerce me into accepting that I made the charge to send a cancellation email for a final sale which would likely be rejected. I told them I would not accept cancellation because then it would place responsibility on me that I made the charge. 

This was either a case of identity theft or error on the side of XXXX XXXX charging my Chase credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX contacted XXXX in regards to the removal of late payments from XXXX through XX/XX/XXXX. 
I requested documentation of forberance history. 
XX/XX/XXXX I received that information in the mail, and it shows during those periods, I was in fact in forberance. 
XX/XX/XXXX I contacted XXXX for removal they denied it stating they would not remove it XX/XX/XXXX I filed an online dispute with the credit bureaus XXXX, XXXX, and Equifax. 
XX/XX/XXXX no update claimed accuracy XX/XX/XXXX I mailed a certified letter to the 3 agencies with documentation that I got from XXXX and other forms. 
XX/XX/XXXX XXXX undated information as accurate from XXXX and didn't remove them XX/XX/XXXX called XXXX to reinvestigate information under FRCA and seeking violation of not removing items This late payments of being 180 past due are affects my life tremendously. I have papers from XXXX then XXXX showing that I was in Forebarnce and therefore the reporting is inaccurate. I assume going against the DOE with their own forms is difficult. I have the proof from the Department but what they are sending the agencies I figure is totally different. I'm not even sure what XXXX, is giving them saying the late payments are accurate I've fought yearly in disputing this and now that I have the papers of proof and it does not change. Makes me belive it's a greater problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} High credit is lower than balance, delete for inaccurate reporting.
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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX 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 filling a complaint on Wilshire consumer Credit address XXXX XXXX XXXX. # XXXX XXXX XXXX, ca XXXX Number- XXXX. I have been contacting this company to prove the validation of this debt under section 1692g. and they have yet to do that. They are reporting this debt on my credit and that is identity theft and at this point im able to sur under section 1692 up to 1,000 dollars for each fraudulent account being reported on my credit and can also get them for unfair practices under the section 1692f also section 1692 d.harassment or abuse and section 1692c. communication in connection with debt collector. They are very rude and disrespectful to consumers and I can prove everything im saying with voice recordings from them directly that I have recorded. They hang up on consumers, they threaten consumers, they talk over consumers while the consumer is just trying to get information on the so called debt in their names. This is against the law under the Equal credit opportunity act and fair debt collection practices act. I have asked this company to cease contact with me because this account they have was did fraudulently and they are still contacting and harassing me. They have not provided me with the original documents that was made on this account I would like copies of all documents they obtained in making this false debt. That is the law and they are required by the law to provide this information and have not. They are breaking the law!! When I called to see what was this in my name they then changed the information on this account to my real information when I first called because I was unaware of what the debt was and gave them my address so they could send me the binding contract with my signature and my identification and instead of them sending me the information they are trying to get more of my information so they can add it to this fraudulent account that is not mines. I want this account out my name and all information on it or I will be pursuing a lawsuit under these sections which is my right and I should actually do now because I have given them the 30 days as the law has stated I can
Product: Credit card or prepaid card

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXXXXXX - {$1500.00} XXXX XXXX {$3300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Debt collection

I have contacted Resident Collect on several occasions asking for them to present me with a contract that states that I owe them money or that I am legally obligated to pay Resident Collect. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have no such agreement. Once again RESIDENT COLLECT HAS NO AGREEMENT WITH ME STATING THAT I OWE THEM MONEY. They are illegally listing entries on my credit reports. This item must be returned to the original creditor. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Product: Debt collection

XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX WA XXXX XX/XX/year> SECURITY CREDIT SERV SUBJECT : REQUEST FOR METHOD OF VERIFICATION AND CONTINUED DISPUTE OF CHARGE- OFF ACCOUNT # {$720.00} SECURITYCREDT To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # Account XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the XXXX form I received, which indicated that the debt was canceled. 
Under the FAIR CREDIT REPORTING ACT ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off 2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records are used in the reinvestigation process.

FCRA611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) 5 ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within 30-day period allowed by the law. 

Thank you for this matter. 

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

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX BANK Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$17000.00}.