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

I have been very patient with Equifax and have requested them to remove inaccurate information from my credit report that has implications for fraudulent activity. This is the fifth time I am bringing this matter to your attention, and I don't have the words to explain how disappointed and frustrated I am. Dealing with people and systems that are purposely directed towards innocent individuals, treating them like trash and ignoring them, is unacceptable. This has gone far enough. This has to stop now, especially with XXXX, Equifax, and XXXX. 

If you graded them as criminals, they would be the worst of the worst. Their actions have XXXX so many people 's hopes and dreams and, in some cases, might have caused divorces, XXXX XXXX XXXX XXXX. Their corrupted actions only benefit the richest corporations and have actively been labeled above the law. Is that really happening? 

All information provided to the Bureau or the Commission, whether orally or in writing, shall be treated as confidential and not publicly disclosed until the Effective Date. This will be mentioned to the attorneys I am going to hire to sue and pursue punitive damages for the duration of the combined efforts accumulated over the last year. I was hacked by a hacker and lost over {$300000.00}. Now we know how they get their informationemails, passwordsall because of negligence and greed. Hope you are ready to pay again. This shouldn't happen to anyone. How do you recover from a loss like this? I have lost everything, and I have to live with that. I don't think you realize how much anger has built up. 

I would like XXXX, Equifax, and XXXX to please remove all the negative, inaccurate, and unverified information. Especially the charge-offs that are not supposed to show any balances and have been fraudulently added after being removed correctly. The creditors have already committed fraud by not removing them since they had their time to send the 1099c, and it has been sent to the IRS as 1099a. If anyone like you or I lied or stole money at that level, we would see prison time for sure. Above the law, you would think. Is fraud a crime or not? 

And next, please remove your own fabricated hard inquiries. If the consumer does not receive any funds from the transaction, why are you adding them back on after removing them? Sneaky, like you know you are breaking the law, like adding more apples to the bag that was already weighed and packaged equally, then expecting to pay the same price for stealing. I hope you find it in your hearts to give a little back sometimes instead of taking every drop you can like spoiled, entitled brats. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports a balance that is ten ( XXXX ) times what it should be. Balance should be around fifteen ( XXXX ) thousand dollars for this account/trade line but is reporting with a balance in excess of one-hundred fifty ( XXXX ) thousand dollars to Equifax, XXXX, and XXXX XXXX XXXX has also failed to send billing statements to correct address and thus has not provided me with statements consistent with CFPB interpretation of Regulation Z. While statements may be alleged to be available online, I am a XXXX individual that suffers from XXXX that leads to periods of XXXX- and XXXX- XXXX making it difficult ( and painful ) for me to retrieve statements online during episodes. As such, I rely upon paper statements.
Product: Student loan

I made a payment of {$300.00} on XX/XX/year>. {$280.00} to loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to XXXX XXXX the payment came out of my account on XX/XX/year>. EdFinacial did not update my account until after XXXX EST. The parlance only showed a small amount removed from loan XXXX XXXX. The balance did not change on loan XXXX XXXX. If I continue with paying {$280.00}, I would have loan XXXX XXXX paid off in XXXX weeks from this last payment but due to the payment not being updated, it remains at XXXX or until they decide to make the correction. Attached is screenshots of my account balances before and after payment, receipt confirmation email that payment was made, the receipt of the money coming out of my bank account in the amount of {$300.00}, and a screenshot of my account balance where no changes were made to loan XXXX XXXX.
Product: Debt collection

I reached out to the Emergency service that Wakefield and Associates is claiming contacted them to collect debt. The billing department said that my account was paid in full and they never sent anything to collections. 

XX/XX/XXXX is the date I went to the ER. 
XX/XX/XXXX was when the collection opened. 


I was never contacted by the emergency services billing department to pay because my account with them was already settled. I am not paying money that I do not owe, and I want this taken off my credit report and i want my credit fixed!
Product: Mortgage

I filed a complain with IMPAC MORTGAGE COMPANY and until today I still not receive from them the disclosere of why I was XXXX know its a state law to provide me in 3 days those discloseres..Today is the XXXX of XXXX and I still not receive the documents.I was refused on the XXXX XXXX XXXXBecause of the stress that this company put us true ( see complainXXXX ) my wife has a XXXX XXXX XXXX and because of the intense stress that IMPAC MORTGAGE done to us we XXXX XXXX XXXX.Is not normal to do things like that to people.With no reason they are declining loans.Until today no answers why.I think this is discrimination.
Product: Mortgage

I was approved for a Modification of my mortgage ( quite some time ago... roughly XXXX ), with the understanding that I would successfully make THREE Demonstration Payments. At the same time the the Modification was approved the mortgage was sold, so I made the three demonstration payments to another mortgage processor. The mortgage was then again sold, and the 3rd mortgage processor ( in a 4 month span ), which was Rushmore Loan Management, refused to honor my Modification, because they said they didn't have evidence of my XXXX demonstration payments ... when they finally found the evidence of the 3 payments ( about 2 months after becoming the processor ), they still refused to honor the legal approval I had obtained from the first mortgage processor. 

This case has since gone to the courts, and, as it turns out, my " attorney '' had no understanding of the law in this area, and essentially did nothing to convey the circumstances of my case to the court. The property was apparently foreclosed on in XXXX of XXXX ( without my " attorney '' even making me aware ), and sold at auction on XXXX XXXX, XXXX. However I am still residing in my home of 30 years, and wish to continue to fight for my rights ... specifically, that I had legally modified my mortgage, made the 3 required demonstration payments, and that Rushmore Loan Management Did Not Honor my modification, as required.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I was charged twice for a fuel purchase that was n't made by me. The charges shown are back to back on the same day in an unknown location to me. This card is specifically used for fuel. The amounts are as follow : {$50.00} invoice # XXXX {$50.00} invoice # XXXX Two days prior I used the card to fill up my tank and then used it the day after these charges when my tank was halfway full. I am an XXXX driver and use the fuel card issued by XXXX through XXXX Bank. I own a XXXX XXXX ( 4 cylinders ) vehicle and in no way can use this much fuel even if I 'm running on empty. Also, the charges show a location in XXXX through something called XXXX Fuel. I never fuel in XXXX! 

Since XXXX was having some technical difficulties with fuel charges not posting on time, these charges were not noted by me until the following month of XXXX. This was XXXX XXXX when a message was received by XXXX apologizing for delayed fuel charges. As soon as I noticed the charges I contacted XXXX to notify them of the error. Their support indicated they would contact the credit card company and I needed to wait. 

It was taking too long to receive a response so I contacted XXXX Support constantly and was asked to be patient. At one point I was that the credit card company had an undetermined amount of time to resolve the issue. I told them by FTC ruling they had two billing cycles or 90 days whichever came first. 

After all these months of waiting, I finally received an email on XXXX XXXX from support telling me the dispute was finalized and denied and that the internal review from the credit card company was confidential. 

I was also told by XXXX they no longer had any control over these charges and were no longer able to assist me.
Product: Student loan

Previous CFPB Complaint #  XXXX . I have been requesting Fedloan Servicing provide me with itemized billing of how my payments are being applied to the  Public Service Loan Forgiveness  program since  XXXX . I have loans that were transferred to Fedloan Servicing since  XXXX , that I have made payments on every month except for  6-9  mths of possible deferments, that show I have only 2 years worth of payments on. This can not be possible! I realized a discrepancy with my PSLF payments in  XXXX  and have made countless requests with Fedloan Servicing since this time. My efforts to get a full accounting of my PSLF payments have been to no avail. I therefore submitted a complaint with CFPB in   XXXX   XXXX   to which the servicer stated they would be sending me a full accounting of my PSLF payments under separate cover. To date, I have received NOTHING! My frustration is compounded by the fact that Fedloan Servicing is the SOLE servicer of the PSLF program. So even if I transferred my loans to another servicer, I would still be forced to deal with Fedloan servicing for the accounting of my PSLF. Today, on  XX/XX/XXXX , I have spoken with  XXXX , a supervisor in Fedloan Servicing 's PSLF department who stated she was putting in an expedited request on my behalf and I would have a response in  3-5  bus. days. Although her tone seemed genuine,  XXXX  is now the  4th  rep who has told me that an expedited request was being put in the system on my behalf since my CFPB complaint in   XXXX   XXXX  . I have no faith in Fedloan Servicing 's ability to live up to its promises. They are by far, the worst servicer of student loans I have dealt with. Both  XXXX  and  XXXX  did far better jobs servicing my loans than this company. I would like the CFPB to do a serious inquiry into Fedloan Servicing and its  PSLF accounting prac tices. With this abysmal level of service, I can not imagine I am the only person having problems with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX  ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX - XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXXXXXX IN Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from 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

I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name
Product: Credit card

First issue was that I had a very sick pet. I used the card for the vet bill. The company provided no warning that I was going over my credit limit. They charged a fee. I paid fee and started to be very careful with card. Next issue, in XXXX 2016 the bill was due on the XXXX. Bill arrived on the XXXX. I always pay all my bills that arrive during the week on the Sunday, in this case the XXXX. I opened the bill to discover that I was past due. Of course, even if I had opened the bill on the XXXX I would not have had time to get the payment to them through the mail. I have noticed that this company has been mailing its bills later and later in the cycle. So many months ago I had set up, on the Internet, a bill warning alert, with them, to alert me 10 days before bill was due. Apparently, when the company was sold all these warnings were removed. Resulted in a late payment fee of {$27.00}. I paid them on the Internet as soon as I noticed that I was overdue on the XXXX. I sent them a note about the late arrival of the bill on the XXXX and have not received a response. Interestingly, this month 's bill, XXXX, arrived early as it should.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things like my student loan being listed without my consent. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed not to 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. 

XXXX
Product: Debt collection

I am very confused. I owe a credit card company money. I know the sold my debt but they couldnt tell me to who. I get a letter that is water logged and not readable. When I called the number of XXXX from online. Not one representative gave me an ID number. 
They kept pressuring me to make biweekly payments saying my offer ends tomorrow, XX/XX/23. Then decided to give me an extension. Something does not feel right. 
Is this a legitimate company? The number I called is ( XXXX ) XXXX the email address they sent to me is XXXX. 
Im very confused by the whole situation. Especially no one could give a NMLS ID. 
Also, told me they only take ACH payments via credit or debit but only master or visa. 
I just want to triple check their legitimacy. The other companys both collectors and creditors always give an ID and none have approached the situation like this. I am extremely weary and intimidated by their tactics. 
Thank you for your time and can not wait to hear your thoughts about this company and the way they handle collections. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago, American Express " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe XXXX ( the credit report that the inquiries from American Express show up on ) previously asked that I dispute this through American Express, so American Express stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as American Express 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates wereXX/XX/2020,XX/XX/2020, XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Product: Checking or savings account

Savings account opened in my name. Thankfully no transactions took place.Talked with bank fraud Dept. They closed account Immediately. Fraudulent account opened online. They had my mailing and ssn. 
Account was opened on XXXX XXXX. Received a statement today In the mail. 
The email the perp used was not mine. 
Bank Referred me to this site. 
Bank of America.
Product: Debt collection

XXXX XXXX XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS added a collection to my credit report. The original creditor is listed as NET CASH PROCESSING. NET CASH PROCESSING was paid in full over 71/2 years ago when the loan originated. I had not contract and have conducted no business with MIDWEST RECOVERY SYSTEMS. Aside from that this account was paid. 

Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. 

Attached is a screenshot of email between NET CASH and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters b ut they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.
Product: Debt collection

Collection agency reporting that the debt is from XX/XX/XXXX. The debt if from XX/XX/XXXX. 

Returned cable boxes in XX/XX/XXXX of XXXX. We were charged for the entire month. 

My credit score is over XXXX.
Product: Credit reporting or other personal consumer reports

Since XXXX, my personal loan with XXXX XXXX XXXX has been settled for less than full balance, with my final payment being in XXXX. I have called numerous times since XXXX and spoke with multiple supervisors who acknowledged that the account is closed. I am still receiving payment reminders from XXXX as well as credit bureaus being sent incorrect information. XXXX is reflecting a full balance, which I no longer owe, and are reflecting payments that are missed from the account that should be closed. A supervisor provided me with the document I will attach that shows my account should be closed as of XX/XX/2024.
Product: Credit card

Debt Advisors of America sent me unsolicited and unwelcomed offer to lend to settle credit card debt. Notice XXXX of XX/XX/year>. Perhaps XXXX sold my information to collect a payment. All payments to discover are current and in good standing.
Product: Vehicle loan or lease

This was a XXXX loan that was given despite poor credit. While making payments toward the principal I noticed my principal payments were being credited toward interest not principal. I requested a time delay during covid not to pay my bill as they offered to everyone on covid. They didn't honor the whole time. Nor did they apply my principal payments correctly. When they repossessed my car they pretended like it was stolen by others. XX/XX/year>. After they took it I was told by the company that they sold it for XXXX so the balance I owed on it was nothing but it's still showing up on my credit report as a balance.