23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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. 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimea which antedates the report more than 7 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX add this back on they deleted a good account
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX reporting to credit on defaulting storage units. When units were closed and maintaining a XXXX  balance. Multiple offenses with multiple customers. The clerk XXXX will cuss you out XXXX you a XXXX XXXX XXXX XXXX and hang up on you before you can even finish what you are asking for. Threaten to sue you or file a restraining order if you ask for any information or contact them again.
Product: Debt collection

a person from a company called ADR called and said they were trying to collect a debt on behalf of health management associates in the amount of XXXX. I said I didn t have a problem paying this but I wanted more information because I did n't know if they were scamming me. they I asked for the name of the original debt he said he did n't have that info and it was against the hippa law to give that info out. he said I was sent several notices and I said they were sending them to the wrong address and would they send me something to the correct address and he said no if I did n't pay this today they would be moving forward and sueing me for the full amount of over XXXX so I used my cc card and paid them. I asked him to tell me what doctor or hospital this was for he said he did n't have this information. I called them back and tried to get the name of the company and the woman hung up on me. I think I got scammed and I 'm in the process of disputing the charge.
Product: Student loan

I was attempting to file my annual re-certification for my IBR program with AES, but the online link to the IRS was not functioning. I called in to AES customer service and they said I could file the paper version, but it would take longer and therefore I would possibly receive a bill with the ( exorbitant ) default repayment rate as an amount due ; if that happened, I was instructed to pay the usual amount until I received a bill with the corrected IBR rate. I promptly filed the paper docs, as well as continuing to attempt the online link to the IRS until it finally worked. However, my next bill indeed went from about {$300.00} to over {$1100.00} due, so I checked online at AES and my IBR had completed and was increased to about {$500.00}, so I paid the {$300.00} as instructed and waited to receive a print bill with the new amount listed. The next bill, however, was for nearly {$2000.00}, plus late fees, with a threat of collections.

Upon calling in again, I was told that I was late with the IBR papers ( when they should have had records showing I was clearly not ) so I was on the hook. They eventually claimed that I could resolve the issue with a forbearance. They offered no other relief and refused to eliminate the late fees, so I said go ahead. However, what they actually did instead of eliminating the overbilling ( about {$600.00} ) was recapitalize all outstanding interest ( over {$2000.00} ) so they could charge interest on that as well. 

I don't know if your new boss has managed to gut your ability to handle these fraudsters, but I suspect that's what has emboldened AES to try this stunt. Thanks in advance for any assistance you can lend, but I'm not holding out much hope.
Product: Mortgage

For the past three months our mortgage company Penny Mac, has reported that we are behind in our payments. We made the payments " On Time '' through XXXX XXXX and have the doc 's to prove this. This is the second time around for this happening to us. When I reach out to them they inform me that they have been placing our payments into a " Suspense Account. '' Why? It is as if they keep XXXX sets of books. XXXX that has the " correct '' information and XXXX that does n't. PLEASE! Investigate this issue because they are messing with our credit score, sending people to our home, as well as sending us notices that we are three months behind in our payments. If they are doing this to us then we are not alone in this mess! Thank you.
Product: Debt collection

I was contacted by Phillip & Cohen Associates Ltd. and PCA Acquisitions V , LLC stating I owed an alleged debt, I have disputed the validity of the alleged obligation requesting verification however it was not provided. I deny any and all Alleged obligations. Pursuant to Fair Debt Collection Practices Act I have been violated numerous times. 
Attachments have been provided for further details
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and SEQUIUM ASSET SOLUTIONS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit card

They advised they would give me my refund of partial fee on XXXX as of XXXX I still have not recieved such refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to TransUnion to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Product: Debt collection

My wife and I were never able to see our credit scores, for years we would try to check them and we were told that we must have had the wrong information because the information that we provided was not linked to anyone 's credit. Since it was XXXX of us having the issue, bankers usually just concluded that it was because we were young and had never really built our credit so it must just be that we had no credit at all, and that was why our findings were so inconclusive. 
So my wife worked on her credit where she could, and I helped where I could. Once her credit score was good we looked into buying our XXXX home. She had established a credit score through small student loans initially and then on to a {$200.00} in-store credit card. So we could see that her credit was a XXXX which we were very impressed by, but I still had no credit score at all. I checked back often on credit sites and was never given a number, just an error message that I must have the wrong information. 
So in XXXX of this year ( XXXX ), we spoke with a mortgage broker about buying a home. He had me check my credit again at which time I found that I had a derogatory mark on my credit that had been posted years prior from a phone bill that had went to collections. I was previously unaware that I had had any outstanding fees of any kind, as I had never gotten this bill, in the mail, via email, or even received a phone call about it. 
The initial bill is from XXXX and we moved in XXXX of XXXX, and forwarded our mail accordingly and immediately changing our address on file with any and all financial institutions. We never received a bill to our old address or our new XXXX in XXXX. 
I had no idea that I owed any money to anyone and thought everything was fine. 
So in the beginning of this year when we had worked on our credit and were trying to buy a home, I suddenly had this old derogatory mark on my credit that had never come up before and it said it had been posted in XXXX. As soon as I saw it I immediately ( within 24 hours of discovering it ) called the company that it said I owed and paid it in full, asking that it be removed. They complied and took the charge off, leaving the derogatory mark on my credit. I have called the collection company time and time again, trying to have it removed, as it was so many years ago, it should n't even be there.I pay my bills and the XXXX I found out that this XXXX existed, I paid it. Despite all of my efforts to have this mark removed from my credit I was told by Enhanced Recovery Company , LLC. that they would not remove it as that is not something they do. I paid the bill two months ago and the original date XXXX gave me over the phone tonight was well over six years ago in XXXX so it is my understanding that the debt has expired long ago. I am not asking for money back I am just asking for this to not be on my credit as it should not have been able to go on in the XXXX place having been expired. This is something I hope to get resolved soon as the impact it is having on my credit is severe and preventing my family from buying our XXXX home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or between XX/XX/XXXX and XX/XX/XXXX the account ( XXXX XXXX XXXX was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my Experian credit profile and notice that on XX/XX/XXXX { XXXX XXXX XXXX } has reported this account without a 5 day notice. { XXXX XXXX XXXX and Experian } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax displays false information regarding my name, address and employer. I have contacted them multiple times, disputed the information multiple times and they refuse to update them. My credit Card company has even tried contacting them and they refuse to update. 
I have sent them W2 's Paystubs all proven my legal name address and other information and they claim its false. THey're in direct violation of the fair credit reporting act and they dont care. 

They claim my W2- is not accurate... So The IRS my job SSm XXXX, XXXX XXXX XXXX XXXX, XXXX are all wrong but they ; re correct. 

THey're screwing with my life... with an inaccurate report, I cant get a first-time home owners loan. 

The only information they will use to update is based on creditors...
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized credit inquiries that were added to my credit report without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I have the right to be notified and provide authorization before any credit inquiry is made. In this instance, the companies involved, as well as The credit agency, failed to contact me for permission, which constitutes a violation of the FCRA. 

SN : I did not pay any company to do any credit repair for me as i am educated and research a lot on the FCRA laws.
Product: Debt collection

I originally opened a credit card with XXXX XXXX in XXXX. The account was charged of in XXXX. On my recent credit report I see that the account was transferred to a collection agency that shows my account opened in XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.
Product: Debt collection

I don't owe this company any money. It's a law firm called Maury Cobb and they just keep robocalling me nonstop. I don't have any debt to be collected with them and all the robocalls are ridiculous.
Product: Student loan

I am a medical resident and I have a number of federal loans being serviced by MyFedLoans.org. By law, I am able to defer my loan payments until I am done with residency. In order to do this, I have to fill out a form showing that I am in a residency program and send it to MyFedLoan. I am doing this, but MyFedLoan is systematically making it difficult for people like me to submit these deferment or forbearance forms. At first, they only provided a fax number - and would then tell me they didnt get my fax after I sent the form. Then, they provided a file upload page on their website, but the forbearance form upload section doesnt work, it just times out. Now, I am trying to use an email, but I have had mixed success with this in the past. MyFedLoan is trying to collect more fees from people like me by saying they did not receive our forms and that our payments are late, and then they charge us higher interest and fees. Can you please investigate this? 

Note : if you go on MyFedLoan 's website right now and try to upload a consolidation form, it uploads in a matter of seconds. If you try to upload a deferment or forbearance form, it times out after 5 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), Equifax ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.
Product: Credit card or prepaid card

I received a call in XXXX of XXXX. Cabelas capital one was checking to see if I had made some purchases. I did not so they deactivated the card and were suppose to send me a new one. I never received it, however I did continue to recieve charges on a card I no longer had and had been deactivated. On XX/XX/XXXX, I called them to let them know that the card has been deactivated and they proceeded to tell me I had to pay my bill.I paid the bill for a card that does not even exist.They eventually sent me to the fraudulent department were she proceed to tell me that some companies are still allowed to withdraw on a card that no longer exist. I also ask for my previous recorded so I would have exact details. She would not allow. On the XXXX of XXXX we canceled everything with them. After we paid for the fraudulent charges they allowed to accumulate.This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX  XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit history from XXXX on the date of XXXX XXXX, XXXX. XXXX XXXX I spoke with a representative XXXX around the time of XXXX, she then switched me over to XXXX XXXX XXXX. I explained to XXXX that I wanted to dispute a hard inquiry from this company off of my credit. He said alright but he would need the Credit Bureau to send XXXX a letter confirming that they would like to have this inquiry removed because they were n't able to send out letters. I then called the Credit Bureau XXXX TransUnion XXXX and the representative was very rude about helping me. He said there is nothing he can do about the situation, he needs XXXX to submit a request asking for this inquiry to be removed. I consistently tried to explain to him what the representative told me. I then asked him what should I do if they said they can not send out letters. I was then told that " I do n't know what to tell you that is your only option ''. I was not impressed and vary dissatisfied with the representative of the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted the report to Experian, XXXX, and XXXX. I've also submitted a complaint to the Louisiana attorney general ( consumer Complaints ), CFPB, and will also file against the XXXX XXXX XXXX as well. The company is affecting my ability to obtain credit by reporting false information to the credit bureau I have filed reports several times with several different people informing them that this information is false I did not have an account with XXXX XXXX. Whoever is using my information this is why I keep a block on my account unless I need to personally use my credit which is a shame. I am on the verge of filing a law suit against the companies as this is causing me XXXX XXXX, money, and personal time. Please remove immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong account ( s ). Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX    who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my XXXX  credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.