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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Incorrect Address ( es ) : XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I pulled my credit report and I see that are a reporting a negative account on my file from XXXX XXXX XXXX. This account should not be reporting on my credit report. 
I sent XXXX 2 certified letters to dispute this account on XX/XX/XXXX and XX/XX/XXXX to the address they are reporting on my credit report and what you are reporting for the company. 

Each letter was not able to be delivered as the address in invalid. This company is clearly reporting inaccurate data because the address they are reporting is false. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX numbers : XX/XX/XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, these inquiries were placed on my report XXXX XXXX XXXX, Alley Financial, XXXX XXXX XXXX as a hard inquiry. They pulled my credit without authorization for these and would like them removed from my report.
Product: Vehicle loan or lease

How many days in billing cycle ending  X/XX/2017    Accrued interest on statement {$55.00} how much of my {$420.00} payment goes to interest and how much toward principal.   I did not request a call from your President 's office and find it intimidating you should have them contact me. Please do n't do it again. I do not want or need to talk to them.   Do I owe any late fees or any other charges How is interest calculated?   Why are the number billing days not stated on monthly bill..
Product: Credit card or prepaid card

Card ending XXXX declines for online transactions across multiple sites. Declines via manual card entry and using token via XXXX XXXX. Chase indicates they have no idea why and seem not to be able to fix it.
Product: Debt collection

On XX/XX/year> Vance & Huffman was issued a Cease and Desist order. They have willfully violated that order in the form of direct mail demanding resolution of an alleged debt. 
The alleged debt is not mine. They continue to harass me over invalid claims and in direct violation of a lawful order.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries and inaccurate account information
Product: Mortgage

I lost my job late last year, and so i worked with my mortgage company ( Penny Mac ) to enter unemployment protection forbearance around XXXX of XXXX. My payments would be suspended, and the account would be delinquent but NOT reported, pending completion of the forbearance or finding a resolution. 

Fast forward to XXXX of XXXX, I found a job, and am now able to resume my payments. I reached out to PennyMac to figure out how to go about this and they said my payments will resume in XXXX of XXXX, and the outstanding balance from the forbearance would be made due in XXXX at the end of my mortgage. As well as that this would move my account move to good status and everything would be fine, and sent me a mortgage modification packet outlining this, to which i agreed. 

HOWEVER they then retracted the forbearance protection and reported my account as massively delinquent, causing my score to plummet to the XXXX. 

I have reached out a few times trying to figure out what went wrong, and they continue to hide behind saying 'well you were told this process MAY affect your credit '. However they never once stated that by agreeing to this loan modification I would have my credit destroyed. They were unbelievably deceptive by not being up front and transparent about what they knew WOULD happen if I took the path they offered me. Had they said I would loose all my years of hard earned credit, i would never have accepted. They KNEW this would happen, they KNEW that my acceptance would result in them turning around and hurting my credit while im trying to get back on my feet after loosing my job.
Product: Student loan

In XXXX XXXX some of my loans went into repayment and I began making payments to Great Lakes XXXX. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made {$1900.00} in payment. According to my XXXX XXXX billing statement my payment history showed {$770.00} in principal payments and {$1400.00} in interest payments. I entered XXXX school in XXXX XXXX. However, in my XXXX XXXX billing statement, my payment history now showed only {$460.00} in principal payments and {$1700.00}, a shift of {$300.00} from principal to interest payments. The payment history on their site also now longer matches the information from the billing statements during that time. All the payments prior to XXXX/XXXX/XXXX are now all showing interest only payments. I noticed the issue after making my XXXX payment and contacted Great Lakes on or about XXXX/XXXX/XXXX. 

I was advised that someone would be researching the issue and getting back to me in XXXX3 business days. Three weeks went by and no update and the account is still showing incorrectly. I contacted them again today and they had no answers, despite having my call escalated to XXXX different supervisors XXXX and they advised that me it will take at least XXXX2 more business days to research the issue. When I asked for the detailed payment history for each disbursement ( token ) for the loan, I was first advised it would take XXXX6 weeks. However, once I spoke with a supervisor I was told it would now only take XXXX2 business days. I would like to make another payment, but I am waiting for them to correct this issue so that this payment is also not misapplied. 

I need both the detailed token payment history and the payment application error corrected. Further, I would like to have a detailed token payment history sent to me monthly so I can continue to monitor their compliance.
Product: Student loan

Hi, my private student loan should have never been approved by XXXX XXXX XXXX. It them got transferred to AMERICAN EDUCATION SERVICES ( AES ) and XXXX who did the most damage 10 years ago by pushing me towards forbearance and not explaining better options like paying what I could afford etc. Instead my student loans have INCREASED by over XXXX even though I have been paying XXXX XXXX dollars monthly for years and years and years. This is predatory. 

I took these loans out in XXXX  : Current amount owed- {$27000.00} Original loan- {$17000.00} Current amount owed- {$13000.00} Original amount- {$15000.00}
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Earlier today, I found some incorrect accounts on my credit report, and Im unsure why theyve appeared. I checked my report as I normally do, but this time, there were discrepancies I hadnt seen before. I even tried refreshing the browser, thinking it might just be an error, but the inaccurate accounts persisted. I am requesting a detailed review of the documents Ive sent to resolve this matter completely and give me peace of mind.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX Balance : {$39000.00}
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that there were some damages on my credit report, I have already been in breaches and I thought you were going to protect my information from there. This is defamation of my character because it is affecting my livelihood. As per 15 U.S.C. Sec. 1681i ( a ), when a consumer disputes the accuracy of information on their credit report, the credit reporting agencies are required to investigate and correct or delete any inaccurate, incomplete, or unverifiable information. The bureaus must also block information that is found to be the result of identity theft or other forms of fraud. Given the failure of the credit bureaus to adhere to these legal obligations, I request that the Consumer Financial Protection Bureau take immediate action to ensure the following : The prompt investigation and removal or blocking of the inaccurate information from my credit report.

The enforcement of the credit bureaus ' legal obligations under 15 U.S.C. Sec. 1681i ( a ) to ensure that they promptly address and resolve disputes in a timely and lawful manner.
Product: Mortgage

I have set up biweekly payments through my financial institution to pay my mortgage which is held by Arvest Central Mortgage Company. I had even set up an additional full mortgage payment at the time of origination. I received notification that my mortgage payment was late and that one of my partial payments was being held. 
I contacted Arvest this morning, XX/XX/2020 and was told that they would not accept my biweekly payments from my financial institution and those payments that I had been making was not going to knock any interest off to shorten the loan duration. The rep stated that I could enroll in their biweekly payment program for a {$200.00} fee or I would need to contact Arvest 1-2 times per month to direct them on how to apply my biweekly payments. 
I am extremely upset with this process. Im trying to structure myself financially and am giving them the money to pay my mortgage fairly and accurately. 
I find their practices to be unfair and not doing the right thing for Consumers. I hope this complaint finds the right party and changes the way that Arvest conducts their business practices. 

Kind regards. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a XXXX member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. XXXX has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am disputing a collection account with XXXX XXXX XXXX. As per regulations, they are obligated to provide me with their errors and omissions policy number, the original contract, and any other relevant legal documentation supporting the collection. Additionally, I request that they delete this account from my credit report. Compliance with these requirements is crucial for resolving this matter satisfactorily and accurately. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. Experian and XXXX refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as Experian, XXXX and XXXX continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..
Product: Debt collection

In XX/XX/XXXX I went to the emergency room for an XXXX that I had on my XXXX due to XXXX. When I received the bill a few weeks later I mailed them a {$10.00} check, and was never contacted after that. I was never sent another bill or called for the remaining balance, and had honestly forgotten about the bill completely. I am now ready to purchase my first home, and I went to check my credit score online to get an idea of where I stand. I noticed I had an open collections account with the amount of {$310.00} with XXXX XXXX XXXX that I was never made aware of, and the account had been open since XX/XX/XXXX. I attempted to email the company in regards to the account where they state they will respond in 1-2 business days, but I never heard back from them. I called them today on XX/XX/XXXX and found out it was from the XXXX XXXX XXXX  visit that I had in XX/XX/XXXX.  This has drastically affected my credit score to the point of possibly not being able to purchase a home. If I had known about the bill I would have paid it years ago, but I was never contacted by the original collector or the current collector about the bill.
Product: Credit card

On XX/XX/XXXX : I put in a consumer purchase protection claim on my credit card requesting that Chase bank refund a stolen TV item that was purchased using the card. Previously, I had attempted to receive refund from XXXX XXXX ( the XXXX party vendor who sold me the product on XXXX 's website ), and they confirmed that they would not provide me a refund on XX/XX/XXXX because the item was successfully delivered. I uploaded this confirmation document to the consumer protection portal along with credit card statement showing the purchase ; a police report dated XX/XX/XXXX that showed the item was stolen upon delivery ; and an itemized sales receipt. 

On XX/XX/XXXX : After uploading all required documents as requested, the claim was denied by the claims adjustor XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The reason stated in the denial letter was that " the loss is covered by another policy or program. '' However, this reason is erroneous, because I had already sought refund from the XXXX XXXX XXXX XXXX through XXXX 's website FIRST before going through consumer protection, and this was validated in the Chase portal. I then called customer service specialists at XXXX XXXX separate times to request that claims adjustor reach out to me since this was a valid method of addressing the denial referenced in the letter. Each time, whether it was the XXXX customer service specialists I spoke to or the supervisor, they told me that the claims adjustor would give me a call. XXXX, the claims adjustor, still has never given me a call. I sent an email as requested to XXXX on XX/XX/XXXX asking the claims adjustor to call me. It still didn't work. The supervisor I called on XX/XX/XXXX, who left me on hold for several minutes, said that the claims adjustor would give me a call shortly, and then hung up on me without even letting me respond. You could check recorded call logs and it would prove this out. 

Not only was the claim inappropriately denied, but the customer service and claims adjustor never addressed any concerns after I provided them all necessary documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES BECAUSE OF INACCURATE ACCOUNTS ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry Portfolio is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting despite a few things. This debt was never validated to me nor did I ever receive a 30 day right to dispute notice. Secondly, the debt is past the statute of limitations in Idaho and past the credit reporting limit. This is a violation under the FCRA and it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Student loan

I have been in repayment with Mohela for my federal student loans since XXXX. My original principal was {$120000.00} and I have been on a plan in which I've been paying in excess of my repayment amount under the belief that I was paying down my principal. Turns out that the extra payment have been going towards monthly interest instead, and after a decade of diligent repayment my balance is currently still ridiculously high at {$88000.00}. 

I have been paying {$1000.00} a month consistently without fail from XX/XX/XXXX, not to mention the payments I made prior to implementation of that level plan. According to the company, if I were to continue paying {$1000.00} a month, I have XXXX months left to fulfill my financial obligations, which means I will be paying an additional {$180000.00} when all is said and done. 

This does not make sense. The system needs to change. A company that has been tasked by the government to manage the repayment of student loans should not be allowed to be so predatory. It was not made clear that my excess payment was not going towards the principal. I shouldn't have to be in debt for XXXX years and pay {$280000.00} on a government assisted student loan of {$120000.00}.