23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX Superlative RM attempted to contact me over an alleged debt via phone. I have no idea who this company is and I have not consented to do any business with them. They also have violated 15 U.S. Code 1692g as i did not receive a 1692G letter and I haven't been able to dispute an alleged debt that they claim. I will not tolerate my federal rights being violated and I will not be harassed by phone calls from a company that breaks federal law. I demand Superlative RM to cease collection activity, I demand Superlative RM to close this file within their offices, and I demand Superlative RM not to report to any credit bureaus. If Superlative RM does not comply with the things asked above I will receive legal counsel, and Superlative RM will be held accountable to 15 U.S. Code 1692k for the violations they have made. As of XX/XX/XXXX Superlative RM shall cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX, 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 instructions. 

This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Mortgage

IN XXXX WE PURCHASED OUR HOME FOR {$510000.00}. THE LOAN WAS ORIGINALLY UNDERWRITTEN BY COUNTRY WIDE BUT THEN TRANSFERED TO BANK OF AMERICA. ITS COMPOSED OF TWO LOANS, 30 YEAR FIXED AT {$410000.00} AND A INTEREST ONLY LOAN ( APPROX. 8.7 % ) FOR {$100000.00}. SHORTLY AFTER WE SIGNED THE RECESION HIT. IN XXXX WE ATTEMPTED TO REFINANCE BOTH LOANS INTO ONE BUT WE WERE DECLINED DUE TO OUR HOME BEING UNDER WATER ( LESS VALUE THEN WE OWED ). WE HAD NO CHOICE BUT TO REFINANCE THE FIRST LOAN TAKING ADVANTGE OF THE LOWER INTEREST RATE. TODAY, XXXX ( 12 YRS LATER ) WE ARE STILL UNABLE TO REFINANCE AS OUR PROPERTY REMAINS UNDERWATER ( ACCORDNING TO ASSESSMENT PERFORMED IN XX/XX/XXXX ... VALUED AT {$410000.00} ) IN XXXX, XXXX OUR SECOND LOAN WILL BALLON AND WE WILL BE OBLIGATED TO PAY THIS IN FULL. I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES EXPLANING OUR SITUATION BUT TO NO AVAIL. WE'RE NOT ASKING FOR A DISCOUNT OR A DECREASE IN WHATS OWED WE'RE SIMPLY ASKING FOR FAIR TREATMENT AND THE OPPORTUNITY TO REFINANCE BOTH 1ST AND 2ND MORTGAGES TOGETHER ( ONE PAYMENT ). WE HAVE EXCELLENT CREDIT AND INCOME. WE ARE IN GOOD STANDING WITH BANK OF AMERICA XXXX NEVER MISSING A PAYMENT ). THE CAUSE OF THE RECESSION IS FARILY COMPLEX AND DIFFICULT TO UNDERSTAND BUT IT CERTAINLY WASN'T THIS FAMILY WHO CAUSED BUT YET WE'RE BEING PUNISHED. WE WERE GIVEN A LOAN FOR {$510000.00} AND WE ARE WILLING AND ABLE TO PAY {$510000.00} IF BANK OF AMERICA CAN JUST HONOR THIS SIMPLE REQUEST. ALLOW US TO REFINANCE OUR 2 LOANS INTO ONE SO THIS FAMILY CAN MOVE ON ...
Product: Mortgage

This complaint is about a re-finance of an existing home loan.  The refinance is through the company that currently has the loan.  They offered the re-fi the first of the year, I applied for and received it, I have the approval letter.  Usually, approval letters have experation dates of up to three months, mine specifically has none and the company does not like that, obviously if they have to sell loan at today's rate they would loose money on the deal.  Since the approval letter came, the agent  XXXX, has put of sending someone to finish the loan.  it has been Eleven months and they still have not done anything.  XXXX, XXXX Supervisor has repeatedly said they will work things out but nothing has been done.  They asked me to reapply, I asked, "At today's rate and will you have the oppurtunity to reject my application?"  He said that it was true and I told them that was not right and that since they made an original agreement they will honor it.  I told them that I was going to make a complaint to the CFPB but they acted like they did not care.  XXXX did not seem worried that I was  going to contact the Illinois Department of Professional Regulation where he must have his Illinois License through.  Carrington Mortgage Re-Finance out of their Florida Office is the place where XXXX and XXXX are located.  I have copies of the original application and the approval letter that show no dates of experation.  I think that they are just waiting for the year to run out so that they can again say, "Well, it is too late to fix anything now!"  About three or four months after I received the approval letter, and many phone calls to XXXX while he still worked at the California office, he admitted that the application had gotten lost on his desk but that he still wanted to work with me and get it pushed through even though he was moving to the Florida Office of Carrington Mortgage.  I was originally assured that this was going to be a smooth process but I was wrong.  All that I want is my original re finance to go through, that's it and Carrington has made it miserabble since they screwed up and hope that I will go away.  The last call, almost two weeks ago, was to follow up on a statement made by XXXX that he would check and see if the dates on all of the documents be changed and updated, would that make the loan go through but I have not heard from him or XXXX.
Product: Student loan

This is the eight ( 8th ) time I have submitted the exact same question. I have not received a competent response. I have even been told that my request is a duplicate. IT IS NOT. 

ISSUE : Whether XXXX XXXX XXXX XXXX XXXX XXXX ( ERS ) a 501 ( c ) ( 6 ) non-profit qualifies under Public Service Loan Forgiveness ( PSLF )? 

ERS is a 501 ( c ) ( 6 ) not a 501 ( c ) ( 3 ) non-profit. All the responses have ignored that simple fact. 

It was previously determined that ERS provides " public safety ''. One response stated that it was not it's " primary purpose ''. In light of COVID ERS been determined to be an " essential service ''. Public Safety is the essence of ERS. 

I have filed a Freedom of Information Act request revealed that no list exists for what 501 ( c ) ( 6 ) employers qualify. See attached.

Every response does not address the issue of WHAT IS THE STANDARD. I have been told to get ERS to complete the PSLF form but it only lists 501 ( c ) ( 3 ) status as a qualifier. The 10th anniversary for PSLF was XXXX and it has been a disaster. No one will make establish a standard that can be applied. 



Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN.GOV XX/XX/XXXX Closed Marked as a duplicate complaint on XX/XX/XXXX XXXX XXXX XXXX Federal student loan Struggling to repay your loan FedLoan.gov XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Company responded
Product: Credit reporting or other personal consumer reports

This loan was sold to a company called XXXX XXXX without my knowledge and no signed paperwork with my signature giving the ok to do so.
Product: Credit card or prepaid card

A reservation was made for a hotel stay at XXXX XXXX in XXXX, NY on XX/XX/2023. Our American Express card was used to hold the reservation in the amount of {$1400.00}. We then cancelled the reservation the same day and received a cancellation email from XXXX XXXX. I then noticed the charge on the account days later and asked for it to be removed. American Express removed the charge, but then claimed that the vendor submitted a response so they reinstituted the charge. We called the vendor and they said it has been cancelled and we should have had the refund. I called Amex, but they would not tell me why. How do I get the refund for this?
Product: Debt collection

I had a private education loan from Bank Of America, I took the loan out in XXXX. I was able to keep up with the loan for several years but with a job loss I got behind. The debt ended up getting charged off and fell off my credit report around XXXX. In XXXX I relocated for work from XXXX XXXX to XXXX XXXX  in XXXX. XXXX I was sued by XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, representing XXXX XXXX XXXX XXXX. They stated, Bank of America assigned their interest in agreement to XXXX XXXX XXXX in XXXX. They had one attempt to collect the debt XX/XX/XXXX they sent a collection notice to my address in XXXX, XXXX months after I moved. The collection notice is from XXXXXXXX XXXX XXXXXXXX... Which I will add is owned by XXXX of the board members at XXXX XXXX XXXX. Here is my case information XXXX XXXX XXXX, if you go to doc XXXX there is an in depth break down of information I was able to put together. Such as proof it was a private loan. A screen shot of XXXX XXXX XXXX own website advising they are not affiliated with any banks that they are an independent company that specializes in the development and administration of documents to assist debtors with the necessary paperwork needed to complete federal student loan consolidation and or forgiveness process. Their company profile is a passive debt buyer. I also was able to find out that all the collection agencies which all have names that read as if attorneys, are all owned by different board members of student loan solutions. The attorney is filing a suit a month every month against people, since XXXX. I have attached a copy of my filing to the court.
Product: Student loan

I have been in repayment since 2007. I work for the XXXX XXXX  and have worked for the XXXX XXXX XXXX XXXX  My student loan started with XXXX XXXX, and then went to XXXX, and is now with Mohela. I have asked for payment information for all companies only to be directed to multiple places. I can not seem to get the history for my payments so that I can request PSLF.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, 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 of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts are as follows : Invitation Homes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Inaccurate addresses that have been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Product: Debt collection

I submitted a dispute with Interstate Credit Collections concerning a charge from XXXX XXXX XXXX. Interstate Credit Collections stated that the debt was valid, but would not provide proof of the debt. They also did not verify the debt through the original creditor but a third party billing company XXXX XXXX and XXXX who have no knowledge of the actual debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bankruptcy dispute submitted on XX/XX/2023. I received a letter from Lexis Nexis dated XX/XX/2023 and the letter states the information in my dispute was validated. Per reaching out to the Bankruptcy Courts via letter per letter they do not report to any credit reporting agency. Which means that Lexis Nexis couldnt have validated the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to request that the inquiries being reported on my Credit File be removed in accordance with the Fair Credit Reporting Act. I previously sent a dispute letter on XX/XX/XXXX demanding the removal of the unauthorized inquiries being reported on my Credit File. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I have already made and attempt to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus believe that the dispute inquiries belong to me, I require the XXXX XXXX XXXX to send me copies of documents proving such claims. In the event that no documents will be provided within the time allowed by law, I expect nothing but the deletion of the disputed inquiries.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Complaint Details : Company Name : TransUnion Issue : Incorrect information on credit report Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Radius Global Solutions Summary of Complaint : I am filing this complaint to report the failure of TransUnion to address inaccuracies on my credit report. A collection account ( # XXXX ) is listed that does not belong to me. Despite disputing this account in writing, TransUnion has failed to provide adequate documentation verifying the accuracy of the information. 

Specifically : I requested verification under the Fair Credit Reporting Act ( FCRA ) Section 611. 

TransUnion did not provide a copy of the original signed contract or proof of debt. 

I am a victim of the XXXX data breach, which may have led to the fraudulent use of my personal information. 

The account in question is related to medical debt, which is subject to special protections under the XXXX Administrations policies and the No Surprises Act. As outlined in this law : Medical debts under {$XXXX} should not appear on credit reports. 

Credit reporting agencies must allow a XXXX waiting period before reporting unpaid medical debts. 

Medical debts paid by the consumer must be removed from credit reports. 

XXXX failure to comply with these protections further raises concerns about the accuracy and reliability of the reporting process. 

Additionally, I would like to reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which highlights TransUnion 's legal obligation to conduct reasonable investigations when disputes are filed. Failure to do so constitutes a violation of the FCRA, subjecting TransUnion to potential legal liability. Furthermore, as per the FCRA, inaccurate information must be corrected or removed within 4 days of determining it is unverifiable. 
How This Has Affected Me : This incorrect information has negatively impacted my credit score and caused unnecessary stress.

It raises concerns about the reliability of credit reporting and proper investigation procedures.

It has created potential barriers to securing credit and other financial opportunities.
Product: Bank account or service

XX/XX/2015 I opened a complaint with Suntrust regarding fraud on my account totaling {$470.00}. The purchases were made over XX/XX/XXXX-XX/XX/XXXX. Not only were the charges made with vendors completely outside my purchase history, I provided my alibi of corporate payroll proving I was clocked into my work. Also, I tracked down multiple receipts from the actual vendors, XXXX being one in particular, which has every pattern of fraud one could think of. XXXX Salads, XXXX cans of motor oil, etc ... In addition the receipt shows a card not in my name being declined before mine was accepted for the purchase. Even with all the proof I gave to Suntrust and signing an affidavit affirming the transactions were not authorized by me or by any person acting with my authorization, knowledge, or content, Suntrust has denied my claim 4 times over the last 9 months. First was because the purchases " were in the region in which I was living '' and more recently because they are saying there is there is no way to prove there was a duplicate card or that someone did n't have my actual card with my approval. In addition, the revoking of my provisional fraud credit caused my checking account to overdraft twice.
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.

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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.