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

I was given student loan forgiveness months ago. My student loans were supposed to be forgiven back in XX/XX/year>. I have accounted for XXXX payments for subsidized and XXXX payments for unsubsidized loan forgiveness. However, only XXXX payments were needed for both. I received a email several months ago saying they were forgiven, however I still have the loans on my account and they are not forgiven. I called Mohela and XXXX and they both stated that I have no loans with them. Studentaid.gov shows the loans forgiven, however all three of my credit reports does not reflect this information at all. This was back in XXXX and it is XXXX. My credit reports are showing inaccurate due to my loans are supposed to be off my reports. Also, Mohela said that I have a overpayment but when I asked about it they played like they did not say anything else when I called last week to see what was the overpayment and if I would receive a check for overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

I have received letters from Cardinal Finance stating my request for forbearance isnt complete.I callled to go over the options and I was directed to Consumer Finance. The person simply stated I was in forbearance and there was nothing I needed to do. I asked what I need to do when forbearance is over because I can not make balloon payment and she directed me to contact CFPB. 

I also called because my escrow has increased 2 times in the 15 months in 7 months. When I called to ask why it keeps increasing I was placed on a long hold and was told to call my town or insurance company. My mortgage rate has increased over XXXX in 15 months and I asked how much I need to pay to have my monthly rate back when I purchased of {$2500.00} I was given an incorrect amount and I still do not know how I can pay the escrow shortage or what the amount that has to be paid. I can never seem to get assistance I am always directed elsewhere and it is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( Lexis and XXXX XXXX had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why Lexis and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed Lexis and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties Lexis and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Product: Debt collection

i have never consented to any type of business with that company, I live in XXXX, they rent apartments in New York. my identify has been compromised. 

They say I owe them XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX GENESIS CREDIT MANAG I MAKE A DISPUTE IN XXXX No/ XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  # XXXX 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 have previously submitted a letter to the TransUnion bureau requesting the removal of certain inquiries and inaccurate address from my credit file. Despite this, the inquiries and inaccurate address detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge TransUnion to promptly remove these inquiries and inaccurate address entirely 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
Product: Credit reporting

On XXXX/XXXX/XXXX, I opened a complaint regarding inaccurate information on my TransUnion Credit report. The case number is XXXX. Following this complaint, TransUnion removed these erroneous inquiries. However, on XXXX/XXXX/XXXX, they added a new, identical inquiry to my credit report. I submitted another complaint ( case # XXXX XXXX, and the incorrect information was again removed. 

On XXXX/XXXX/XXXX, TransUnion added yet another, identical hard inquiry to my credit report. This clearly indicates that they have not remedied their error, and are in willful noncompliance with FCRA. 

The original complaint related to XXXX hard inquiries into my credit report by XXXX Bank XXXX XXXX Florida between XXXX of XXXX and XXXX of XXXX. They are reported as applications for a XXXX XXXX XXXX. 
I must stress that I have never applied for any credit card through XXXX Bank, or any XXXX credit of any form. Further, the address and identifying information they provided to Transunion is for another person ( i.e., not me ). The information they provided is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX ( XXXX ) XXXX I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never resided in the state XXXX. 

I have submitted numerous written complaints to both XXXX Bank and TransUnion. Both of them have responded in a dismissive manner, claiming that I did apply repeatedly for this credit card, and that the inquiries will therefore remain on my credit report. If TransUnion were to check their own data, they 'd immediately see that I do not possess the credit score and history of a person who 'd be repeatedly denied for a low-limit retail credit card. 

Here is the information provided for the financial institution on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I would sincerely appreciate your assistance with this matter. I feel that their behavior constitutes flagrant and willful noncompliance with FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX  XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to open 1 loan and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts are unauthorized and were not opened by me. They must be removed from my XXXX, TransUnion, and XXXX credit reports! 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$25000.00}
Product: Credit card

Examine the attached documents. I want the bureau to initiate an investigation into these accounts, as I am never late, but they are incorrectly reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAGE STREAM LLC ' I HAVE FAX DOCUMENTS TO SAGE STREAM I HAVE NOT RECEIVED INFORMATION BACK FROM SAGE STREAM I HAVE MADE SEVERAL ATTEMPTS TO CALL SAGE STREAM NO ANSWER TO REQUEST A SECURITY FREEZE AND TO OP OUT, COMPANY HAS VERY POOR CUSTOMER SERVICE SKILLS AND THEY ARE MISLEADING THE CONSUMER BY VOICEMAIL LEAVE A MESSAGE AND SAGE WILL CALL THE CONSUMER BACK AND NEVER CALLS. 
,
Product: Debt collection

IQ Data purchased a debt from XXXX XXXX XXXX. IQ data is adding interest to the debt every month illegally. IQ data and I do not have an agreement and IQ data does not have a signed agreement and refuses to furnish it to me. I do not owe IQ data any money nor do i have any agreement with them. They are illegally reporting on my credit report and illegally charging me interest every month. I moved out of XXXX under XXXX XXXX protections and also do not owe XXXX XXXX  money. Under XXXX XXXXXXXX protections my ability to rehouse should not become a problem and this is also making it a problem for me to rehouse. IQ Data is reporting illegally, adding money to a debt they purchased monthly and illegally reporting on my credit file.
Product: Debt collection

I have recently checked my credit report over the last few months after years of never trying to get credit nor looking at my credit report. I was awarded XXXX in XXXX and they back dated it as XXXX as of XX/XX/XXXX and I was covered under Medicare ( Primary ) and Medicaid ( Secondary ) as my Health Insurance. I have 2 separate Collections from Healthcare Collections, XXXX, AZ both which are approximately 6 yrs. old. I have never received any communication neither by phone or letter. I called them XXXX, XXXX and after being put on hold trying to even locate these accounts, I was told that this is was reported to them by XXXX XXXX XXXX . During the conversation I was never asked for an address or phone number to provide me with information on the accounts that are on my trade line on my credit report. 
1st collections account says opened XX/XX/XXXX for the amount of {$240.00}. 
2nd collections account says opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I've been in dispute with the XXXX major consumer reporting agencies and collection agencies regarding several accounts that were opened without my knowledge or consent. One account in particular from a company called XXXXredit Collection Service located in XXXX Massachusetts has violated both the Fair Credit Reporting and Fair Debt Collection Practice act by continuing collection efforts on a fraudulent account established through identity theft/or fraud after being notified by a consumer ( me ). For some reason the fraudulent account still remains on my XXXX  and XXXX credit file and should not be. In addition Credit Collection Service is reporting obviously a wrong open account which if so, this violates the statue of limitations for pursing medical collection efforts in the state of Arkansas. Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
Product: Money transfer, virtual currency, or money service

I received a text from Chase secured bank asking if I had made two purchases in XXXX XXXX, Oregon. I live in XXXX California so I replied no. I have received text like this in the past from Chase and it looked legitimate. It said I would be contacted soon. I was contacted a few minutes later. They walked me through this whole process told me I would need to change my passwords and a new card would be issued into the three days. They also said that there was a pending transfer coming out of my daughters and I joint account, I have a few accounts with Chase. The amount was for {$1000.00} and they said I needed to reverse it. They have been sending a lot of information at me by text and talking. I was panicked at the idea that {$1000.00} was going to be coming out of her account. I know that they could see my accounts because they were telling me Balances and stuff. So I got a text message once again saying Chase secured bank giving me a claim number and a XXXX representatives name and saying the recipient of the XXXX dollars name and saying it was for {$1000.00}. So this man walked me through going into XXXX telling me to put my initials and then the claim number so and put in {$1000.00}. It rejected {$1000.00}. It said it could only do XXXX per XXXX. She said go ahead and put {$500.00} and he would override it to do another XXXX and this was going to reverse the thousand coming out of my daughters account. Went ahead and did the XXXX and it did go through. Tried to do another XXXX that did not go through. He said he would call me the next day about XXXX oclock. He asked me what time would be good for me. This was XX/XX/XXXX Saturday afternoon. It was around XXXX oclock. I want to say. So I hung up and I realized that I got scammed out of sending {$500.00} from my daughters account and the claim number was actually a phone number going to XXXX XXXX. Chase said they would not consider this fraud because I sent money to somebody. But I wasnt sending money to somebody. Nobody told me to send money somewhere. They said to use my initials in a claim number and I was reversing money so I have the text message also backing up that they gave me a claim number and that I was being told that {$1000.00} had gone to a XXXX XXXX. Interesting also is the sole representative was named XXXX XXXX. I never agreed to be sending money to a person. Nobody told me you need to send money to this person and you will get your money back. Thats not what was said. I feel very stupid that I was scammed, but this was absolute fraud. And when Chase talk to me about it, they kept trying to tell me well you sent money to a person and I said no that is not how it was presented to me. It was absolute fraud. So they have sent a letter to my daughter saying that money will not be recovered. I filed a claim and she filed a claim. They are saying its not fraud. So that is why I am filing this now here. This is absolutely a case of fraud. I also have the text message to show if that is needed.
Product: Checking or savings account

In 2021, my Bank of America account incurred {$1100.00} in overdraft charges. Although they refunded {$140.00} initially, they refused any further reimbursement. Subsequently, due to a settlement they lost, the bank began refunding fees to customers, resulting in me receiving a meager {$20.00} check.
Product: Debt collection

I made a payment to the Bank of the Ozarks on XX/XX/XXXX of  XXXX, using the portal my Home owners association/property management provides in the email they send every quarter. The payment was withdrawn from my bank account on XX/XX/XXXX .The home owners association/property management payment is considered late if received after XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from the home owners association/property management stating that my payment was late for XXXX. I called the accounting office on XX/XX/XXXX at XXXX and talked to the manager/supervisor and she told me, yes my payment was considered late since the payments that are made through the portal they provide from Bank of the Ozarks, the bank then sends them the ledger with the date of receiving the payment and then, posting it at their liberty could be 2-5 days after payments are made. I told the manager that my payment was made and funds withdrawn from my bank account indicating my payment was in fact made on XX/XX/XXXX at XXXX. She then told me it was my fault for not making my payment with sufficient anticipation. I told her I had the receipt stating my payment was made on time as well as the receipt of the funds withdrawn from my bank account for payment on XX/XX/XXXX. She told me that's how Bank of the Ozarks post the  payments at their liberty, so I should talk them. I then asked her for the phone number that handles the posting of the payments, and she told me she couldn't provide it. And advised me to pay the late fee or I would be facing other interest charges.
Product: Credit reporting, credit repair services, 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. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX -Acct # XXXX. XXXX ) XXXX XXXX-Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX XXXX ) XXXX XXXX. XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 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. 1681c-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

Regarding : XXXX XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. As you can see with the attached HUD1 settlement statement. The Deed of Release was filed on XX/XX/XXXX. 
Equifax is reporting this home as last delinquent as of XX/XX/XXXX! How is this possible when these accounts were paid in full XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a 30-day late payment reported for XX/XX/year> on my XXXX XXXXXXXX XXXX account ( Account Number : XXXX ). This came as a surprise because Ive always made my payments on time, and I take my financial responsibilities very seriously. 

I know how important it is for credit reports to be completely accurate, so Im requesting a thorough review of this error. If theres any documentation that actually supports this late payment, Id appreciate seeing it. However, if no proof exists, I kindly ask that this mistake be corrected and that my payment history be updated to reflect my actual, on-time payments. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and I trust that this will be resolved quickly. Please let me know once the correction has been made. Thank you for your time and help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 6 months, my credit has been ran for a number of different companies. I do not have any credit or checking account ties to any of these companies. I called Equifax a number of times to have this information removed with no luck. At this point, these items are disturbing my finances and ability to obtain accounts. I including a list of inquiries that I would like removed from my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I bought an XXXX XXXX XXXX in amount of {$600.00} on XXXX XXXX through Afterpay USA. I paid Afterpay a down payment of {$160.00} for this purchase and they created a one time card to be used to pay for the purchase. 

On XX/XX/2022 I received an email from XXXX XXXX stating that my order would be cancelled because my card failed the authorization process. Since the card failed the authorization process, it was never charged. The order was cancelled by end of night XX/XX/2022. 

I then reached out to Afterpay that same night to inform them of the order being cancelled. I was told by Afterpay that I would have to wait until XXXX XXXX refunded the money back to Afterpay and then the money would flow back to me. I was told I could submit evidence of the order being cancelled which I did. I received an email thanking me for evidence but reenforcing that they will not be giving me my money back until XXXX XXXX processes the refund. 

On XX/XX/2022 after a week of no money or resolution, I reached out to XXXX XXXX ( chat AND over the phone ; XXXX separate associates they said the same thing after looking into it ) to see what the hold up on the refund was. XXXX XXXX informed me that because the authorization failed, they never received any money for the purchase therefore could not issue a refund. They told me I would have to speak to my bank because theyre holding the money. My bank in this case being Afterpay who is currently holding the money. 

I reached out to Afterpay on this same day with this new information including screenshots of XXXX XXXX confirming they never received any money to process a refund. Afterpay AGAIN responded that I would have to wait until XXXX XXXX processed a refund. XXXX XXXX never received money from Afterpay for the product ; the money never changed hands. So currently Afterpay is sitting on the {$600.00} it owed XXXX XXXX and the {$160.00} that I paid as a down payment. 

Mind you, I am still responsible for paying for this product which I have not received. I pushed the payment back to next Tuesday XX/XX/2022 in hopes that this will be resolved by then and I wont lose out on anymore money. At the moment I am out {$160.00} that Afterpay refuses to give me and will be out {$600.00} in total if this is not resolved. Again no product to show for anything & XXXX XXXX never received the money to issue a refund. Just terrible customer service on Afterpays end.