23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The complaint is for the following collection agency : COLLECTION MANAGEMENT CO Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( the above is copied from what I found on my XXXX credit report update ) I was NEVER contacted ( by phone, mail, or electronically ) by the collection agency listed above. I received an email update from my XXXX account indicating a credit rating change. When I logged into my account to review the change, I found that my credit rating was significantly impacted by a debt reported by the above collection agency. I have never heard of this company. I checked all of my email accounts to determine if this company attempted to reach me via electronic communication. I was NOT able to find any form of electronic communication, including when I checked my spam folders. I do not have any voice messages from this company. My understanding of the law is that according to 15 U.S.C. 1692g ( a ), a collection agency must attempt to communicate a potential debt, provide information regarding the debt, and allow an amount of time for one to dispute the debt before they are allowed to pursue and take action on a debt. I have NOT received any information regarding this debt from the above collection agency. This collection agency has failed to follow the law appropriately. Further investigation into this matter found that the above collection agency also reported the debt to XXXX and XXXX. 

As of this moment, I only can postulate as to what this debt that was reported by COLLECTION MANAGEMENT CO to the credit rating bureaus may involve. I received a previous communication in XX/XX/XXXX from a different collection agency named XXXX XXXX XXXX. This matter involved a debt associated with an XXXX XXXX in XXXX. When it was brought to my attention, I disputed the debt because my investigation into the manner ( which involved calling the ambulance company involved ) determined they failed to submit the claim to my health insurance at the time ( even though they had my insurance ID on file ). My health insurance at the time covered 100 % of the negotiated ambulance trip rate regardless of in-network/out-of-network. Also, it was determined that the ambulance company had an inaccurate address and name on file ( they sent the bill to my old address on file from an ambulance trip in XXXX ) which is why I had never received a bill in the mail. I provided this information to XXXX XXXX XXXX to fulfill the disputed requirement. I asked them to contact me again if they required more information to resolve the matter. I never heard back from them again. The reason I suspect the debt may be the same is because the value of the debt from XXXX XXXX XXXX and what I saw on my credit rating report as reported by COLLECTION MANAGEMENT CO is the same.
Product: Money transfer, virtual currency, or money service

Case number : XXXX On XX/XX/XXXX, I sent an email to XXXX XXXX department and asked for explanation as to why a chunk of important bank information was missing from the XXXX  transfer receipt. The next day, they recalled the money back from Wells Fargo and on XX/XX/XXXX, a new XXXX transfer receipt was issued with wrong amount for the recipient. On XX/XX/XXXX, I received a letter from Wells Fargo asking me to pay XXXX XXXX XXXX  transfer fee plus taxes and XXXX XXXX for XXXX policy. Ive already paid these fees and I shouldnt be paying them again. Subsequent email to XXXX XXXX  department to rectify the amount for the recipient and to keep the original numbers went unanswered. 
I gave XXXX XXXX department clear instructions on XX/XX/XXXX and I can not believe so many mistakes were made.
Product: Credit reporting or other personal consumer reports

Ive Sent off my letters off since the year XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a report showing the accuracies. Ive also included certified letters return pieces And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX -account # XXXX because it is not consumer debt Also XXXX deleted it and i sent follow up letters if it got deleted on there the other all the two bureaus are supposed to delete it as well
Product: Consumer Loan

I borrows {$1000.00} from Castle Payday and I have pay back {$1000.00} and the are saying that I have to pay back {$8700.00} to get out of this, The finance Charge are {$7700.00}, When I first ask for a loan it was for {$10000.00} and that was not ok so they sent me the {$1000.00} and starter taken out {$500.00} a month, they have taken the {$1000.00} out my bank, so can you help me because I do n't have that type of money I ret.
Product: Credit reporting or other personal consumer reports

I asked the creditors to fix the problem never heard back from them yet
Product: Mortgage

XXXX  FGMC   decide not to pay my flood ins  policy because they said the flood zone in was optional I was in a flood zon e  XXXX . FEMA a nd the USDA  require me to have flood ins. I pa y for the policy at closing and my first lender also require me to escrow flood, taxes and home owners ins. Since  XXXX /FGMC did n't renew my policy the cost of flood ins has gone from {$430.00} a year to around {$1300.00} and I do n't even have the same coverage. I close on my  on  XX/XX/XXXX  and found out they did n't renew my policy until  XX/XX/XXXX . This has cause my house payment to go up {$200.00} right now and could be even more in the comin g years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Product: Student loan

I applied for an income-driven repayment plan for my 3 accounts that are serviced by Great Lakes. There was only one application involved, and I was advised by telephone that based upon my reported income, my total payment was going to be reduced from about {$990.00} to about {$700.00}. However, when I provided my proof of income by fax, I was given a new monthly payment of {$4400.00} ( which is about 50 % of my monthly take home pay ) and put on an accelerated repayment plan to have my loans paid off within 7 years. This was exactly the opposite of the plan in which I applied for, which was made abundantly clear both within my IDR repayment plan application, and the proof of income that I provided to Great Lakes. This situation happens almost every single year when I re-apply for my IDR plan.
Product: Checking or savings account

I filed XXXX debit card disputes with PNC on XX/XX/XXXX and XX/XX/XXXX due to issues with merchants not applying refunds/credit not received after cancellation. PNC did not give me a temporary credit to my account for either claim, so I reached out to have it expedited due to family emergency/hardship situation Im dealing with. PNC support does not allow me to speak directly to the disputes department when I call. Even after finding a direct phone number, I was routed to regular customer service as they dont deal with customers. The customer service representatives are not knowledgable about the claims process and cant give any direct updates about the cases- they call over to the disputes department that Im unable to be directly transferred to. The first customer service agent I spoke to informed me the expedite was denied directly by the disputes department after calling over. Customer service agent XXXX also informed me that due to the nature of the dispute being a merchant dispute for a refund not received, it doesnt qualify for a temporary credit at all and it cant be expedited. I was told to wait 45 days for the dispute to be resolved or work it out with the merchant, which is against Regulation E. The regulation requires all financial institutions in the US to provide a temporary credit if the dispute is not resolved within XXXX business days, regardless of the dispute reason, as long as the transaction was made with a debit card its covered. I have sent all of the the required documentation to win these disputes ( email screenshots from the merchants confirming cancellation of order, refund is owed ). PNC needs to issue my temporary credit or resolve this dispute in my favor within the XXXX business day time frame of these claims being opened.
Product: Credit reporting or other personal consumer reports

Santander Consumer ran my credit report on two separate occasions XX/XX/XXXX2024 for XXXX XXXX and XX/XX/year>2024 for XXXX XXXX XXXX. 

I have called XXXX XXXX and they do not have a credit application on file with my signature. 

I visited XXXX XXXX XXXX on XX/XX/year>2024, but specifically requested they not run my credit, since I already had a preapproval. They went ahead and ran it several times through different finance agencies without my approval or signature. 

I asked Santander to remove the hard inquiries, since they could not produce my signature, they told me I would have to call the dealerships. 

I did call XXXX XXXX and since they have no record of this transaction they could not give me anything in writing. 

XXXX XXXX flat out told me that they did not have to give me a copy of my credit application.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to review my request. I have attempted to resolve my issue of inaccurate information on my credit file twice with both Transunion and XXXX over the last several months. As well as requesting copies of the information directly from the creditor where XXXX and Transunion are allegedy getting the wrong information. No one can provide the information used to sign up or copies of the information so I can verify, I have NOT missed any payments on any of my accounts and this has caused higher interest rates and less money that I could use for my family. Transunion said it had not reported since XXXX  but yet creditors have pulled my credit file and using something that hasnt even been updated in a year., XXXX and Transunion are both reporting inaccurate information and wrong information on both of my credit files. They are not verifying the information with the credit card companies and the companies reporting this bad information. 

Below are the companies I have requested copies of the information from both the Credit Bureau and the creditor on 2 occasions to verify my information and to provide me with copies of the information they used to verify that info with the original creditor. I requested this from XXXX, Transunion, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I have also attached the accounts of the inaccurate information for the ones with missed payments. 

All the information the allegedy verified was verified through a third party that I did not give authorization to share my information. This is the exact reason i did not want my information shared because now I have inaccurate information being reported causing me to have higher interest rates. The hard inquiry was inaccurate and they could not verify as well. Please verify the derogatory information and provide me with copies as well. If you can not provide copies of this within 30days please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

unverified inquiries on my credit report. These companies have not demonstrated any permissible purpose, and it is questionable whether they have actually checked my credit, as they have failed to show any record of me on file. This could potentially be a clerical error on your part, and I demand an immediate investigation into these inquiries.
Product: Debt collection

Delta Management Group , Inc . 
This isnt legitimate and needs to cease immediately.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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: Mortgage

Amerihome Mortgage The amount I am being charged for property taxes is XXXX per year, when the actual property tax amount is around XXXX. This is a new loan that was originated in XX/XX/XXXX. I have requested an escrow analysis to be done, and I was told multiple times that it WAS done, but now Amerihome is saying they have one scheduled for XX/XX/XXXX and will not complete one before that, even though I have provided them with the XXXX tax bill for the property that shows the actual amount. I have called multiple times, and keep getting a different answer each time I call. If it was a few hundred dollars, I would not be concerned, but this is a major overage of approximately XXXX per year. 

I can provide more details if needed. 

Thank you,
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX at or around XXXX I received a call from Lendmark Financial of XXXX XXXX NC regarding a loan payment that did not go thru due to unavailable funds they told me that I didnt make payments and even though I have history of payments that I made during the year. And they threatened to write letters to my command because I was in the military and also threatened legal action. On the phone I stated that I would be able to make a payment at the XXXX  of the month but they used harsh tactics to force me to make a payment. I needed time to make the payment as a mentioned in previous calls yet they continued to harass me.
Product: Checking or savings account

Chase was supposed to have closed card ending in XXXX... they did not. Issued new card ending in XXXX. Continued to pay off of XXXX i had no idea until I called XXXX and they said thats the card they used
Product: Debt or credit management

Tomo bust credit, says, you can cancel at anytime, but ive, emailed them, several times since XXXX, they will, nor cancel, they continue to, take money out of my, account.
Product: Credit reporting or other personal consumer reports

see attached for full complaint. 

Dear CFCB Team, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ).

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX [ Enclosures : Supporting Documentation ]
Product: Checking or savings account

I have been going back and forth with this bank that I had since 2018 I deposited everything into this account since I got it and I filed a dispute and I was suppose to get provisional credit I never got it I spoke with specialist manages I have a XXXX Tickets in process with this bank and Im not getting anywhere they are just feeding me lies no action Im tired of it
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and Im completely at a loss as to why theyre there. I check my credit report regularly, and everything has always been fine, but now, all of a sudden, there are errors. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The accounts are still there. Im pleading for the documents Ive sent to be reviewed carefully so I can finally stop worrying about this.
Product: Mortgage

I was the victim of a university scam by XXXX university. My money was stolen from me by the faculty and I lost my job. In fact more than 20,000 students including XXXX XXXX XXXX XXXX were scammed. The school would eventually close as investigators found they stole more than XXXX XXXX dollars. I also lost a XXXX scholarship. My XXXX degree is done and I had to apply for loan forgiveness which was approved. 
I applied to the Illinois Hardest Hit fund and was pre-approved. As part of the approval process the state of Illinois pays for any past due mortgage payments. They also then pay for a year. I also applied to loss mitigation and was approved for forbearance. 

What has rubbed me the wrong way is my mortgage company today told me they were going to report me late for XX/XX/XXXX and XX/XX/XXXX. I called them the last week of XX/XX/XXXX and asked if a payment was needed to be made because I did not want to be reported late to the credit reporting agency. I then asked them if that was sure and I was informed by the loss mitigation employee that this was the case. I was told to call next week during the XX/XX/XXXXweek. I later called the following week and was told I was approved for forbearance. I was informed that I would not be reported late. They even looked at my credit and did a hard inquiry. 

My problem is I have made all of my payments on time prior to having this problem. It does not make any sense for me to stop making payments and be reported late to the reporting agency. As a whole I feel like my mortgage company has failed me as a customer. I have spent countless hours sending them documents and calling them. They have not done anything to help me resolve me not being reported late. All of the information that they have told me is a lie and several of their employees led me to believe that I would not be returned late. I have perfect credit and have not been reported late ever. I also wrote the following goodwill letter. 

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains [ late payments ] reported on XX/XX/XXXX andXX/XX/XXXX for my mortgage account. 

I want you to know that I understand my financial obligations, and if it werent for being the victim of a fraudulent scam and qualifying for Illinois hardest hit program Id have an excellent repayment record. I was also given the impression and informed several times that I would not be reported late by your staff. They told me that it would be reported as on time after the forbearance period. 

Today its come to my attention that the missed payment on my record could hurt me I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX