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

Ive sent letters off and receipt confirmation on XX/XX/XXXX & XX/XX/XXXX From Transunion. Here is my United State Postal article # XXXX XXXX XXXXconfirming Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Violating Fair Credit Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their failure to accurately report my credit information, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 relating to the accuracy and fairness of credit reporting. 

Despite my consistent and timely payments on my XXXX credit card, I have noticed that these payments and my corresponding credit score have not been reflected accurately on Equifax 's credit report. This lack of accurate reporting has adversely affected my credit standing and overall financial well-being. 

Enclosed are screenshots and documentation that support my claim, clearly showing the discrepancies in my credit report. It is crucial for consumer reporting agencies to fulfill their responsibilities with fairness and respect for consumers, as emphasized in the findings of Congress.

I kindly request that your offices investigate this matter and take appropriate action to ensure Equifax rectifies these errors and upholds the standards of fair credit reporting.

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

Sincerely,
Product: Mortgage

Last week, ( XXXX 2016 ) in applying for a Reverse Mortgage through AAG ( American Advisors Group, NMLS # XXXX ) I was instructed to submit my credit card information before an application would be sent to me in order to apply for a reverse mortgage. The credit card, I was told was needed for the cost of the appraisal fee which was not even scheduled or needed since the application was not even prepared and sent to me for review and approval. AAG said this is a policy for all Reverse Mortgage loans, no exceptions! 

AAG indicated that I must submit credit card information or no application would be prepared and sent to review and sign. The Reverse Mortgage Professional from AAG in asking for credit card information before receiving and reviewing their terms and conditions appears improper and may be a violation of prudent lending practices. I did not submit my credit card information and, therefore, no application was ever sent! 

I hope this compliant is not a waste of time to report this practice from AAG, supposedly the largest Reverse Mortgage lender in the nation.
Product: Credit reporting or other personal consumer reports

Subject : Final Request for Removal of Inaccurate Collection Account XXXX XXXX XXXX # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. 
Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should b reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification has been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. Please remove this collection account from my cred
it report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Debt collection

This company not only called a XXXX party ( my father ) at his place of business, they claimed that if the debt is n't settled, they will take legal acction and access my bank account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has yet again allowed unauthorized activity on my report. Remarks and fraudulent information have been added to my credit report. 

These continued activities being allowed by XXXX need to stop immediately. 

The account needs to be updated to what is accurate and my score must be returned to what it was before theyve allowed this fraudulent activity. 

I just spent the last hour and a half trying to get someone on the phone to speak about this matter. 

Experian representatives, if this isnt resolved I will be seeking legal counsel and taking a public civil action against you. 

I demand this be resolved in under 30 days or I will move to the next step. The continued ignoring and immediately closing these investigations is illegal and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX XXXX Date opened : XX/XX/XXXX {$5900.00} Berlin XXXX inc XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported fraudulent inquiries for my Equifax credit file to Equifax. I promptly received a response from Equifax stating : " We have reviewed the inquiry information for  XXXX   XXXX . The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''.     I contacted  XXXX  was told they have no record of the inquiry nor do they have any record to investigate.     I would really like to know what they have done to investigate the inquiry?
Product: Student loan

I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. 
Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. 
I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. 

Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.
Product: Credit reporting or other personal consumer reports

Transunion will update balances on credit/loans/inquiries the minute the transactions occur but when there is a decrease on balances, transunion will take months to record improvements. XXXX isn't as bad as Transunion in recording improvements such as posting correct balances. Transunion has hurt my life by not posting current balances. I know they can post more up to date balances because XXXX show balances that are about a month old. Transunion must be made to post the most current balances available or be close to XXXX balances.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, MOHELA updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. Federal Loan transferred eligible loans to MOHELA around the summer time in XXXX. MOHELA, XXXX, and XXXX all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX  bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.
Product: Debt collection

I never lived here. I sent four ( 4 ) certified mail notices and two ( 2 ) emails with a sworn affidavit and a FTC Identity Theft affidavit and I am still constantly harassed for a debt that is not mine. I lived in New York at the time of the alleged debt.
Product: Student loan

I have been working with Navient for over 15 years to get these loans lowered or paid off and all I get back is a refinance plan that would lower the rate by barely anything. I pay roughlt $ XXXX over a XXXX loan and it is tearing me apart. 
I thought I was in to get it forgiven, but that also has come back saying that I am not eligible and I am really wondering what can I do to get rid of this burden. Please help me. I am desperate now. 
Every chance I have tried to get it lowered or gone has failed and I really don't know what to do to help myself anymore over a loan that I have had since XXXX  Please, if there's anything that can be done to lower or get rid of this loan, I would be so grateful. Thank you.
Product: Money transfer, virtual currency, or money service

I am filling 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 disputes 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 the appropriate redress for these violations.
Product: Debt collection

Two tickets were issued at the same time, same date same vehicle to two different person.

Its paid already and the company Lienbarger Goggan Blair is trying to collect more.
Product: Mortgage

I took a loan modification made the trial payments after the loan was modified the loan servicer seterus increased the monthly payments from XXXX to XXXX per month causing me to default on the loan. I have health issues as well as unemployment. I am 7 months behind the servicer has placed me into foreclosure and telling me i need to pay a minimum of XXXX to reinstate the loan .Today XXXX XXXX 2016 they told me they made a mistake and my payment should be XXXX a month they told me this after 7 months and forced me into default. they also refused to give me a better modification or loer the principal on the loan.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV FUNDING for committing theft. I never gave LVNV FUNDING permission to use 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 XXXX5 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until LVNV FUNDING 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 LVNV FUNDING continues its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had fraudulent activity where someone tried to apply for XXXX account XX/XX/XXXX and XXXX XX/XX/XXXX. My credit report is frozen, filed a police report, sent to TransUnion but they say the dont have it and wont remove the hard inquiries.
Product: Checking or savings account

Albert bank offered a new checking account bonus of {$500.00} for completing completing the following actions : * Direct Deposit $ XXXX every 30 days for 90 consecutive days * Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days Albert also offered a {$500.00} bonus for referring others to open an Albert account XXXX up to a maximum payout of {$1500.00}. On XX/XX/2022, Albert confirmed in writing that I had referred 5 people. 

Here is my timeline : * Opened account XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * Albert paid me {$500.00} for a referral on XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 At this point, according to their terms, I should have been paid a {$500.00} bonus for opening the account. Additionally, I should have received my remaining {$1000.00} for referring others to Albert. 

I have reached out to albert inquiring about the remaining bonus money. Albert told me they would look into it, then stopped responding. Additional attempts to inquire about the promised bonus resulted in no response.
Product: Student loan

On XXXX XXXX, XXXX XXXX XXXX was hit by hurricane XXXX. The entire island was declared a major disaster area by FEMA. On XXXX XXXX, I followed the instructions on the XXXX website to request disaster forbearance. The instructions said to send an email with information about the disaster and how your work or home were affected. I did that. I received an email from XXXX acknowledging they received my message. I received no reply so on XXXX XXXX, I emailed XXXX again asking about the status of my forbearance request. I received no reply. I also got an email from XXXX acknowledging receipt of my email on XXXX XXXX. On XXXX XXXX, I contacted XXXX through their chat system. The representative I spoke to said that they never received a disaster forbearance request for my account even though I had sent two emails to that effect. I put the request through again over the chat. Allegedly, it will take 7 to 10 business days even though at this point my payment is due in 2 days. XXXX is not addressing disaster forbearance requests for XXXX XXXX after hurricane XXXX. This is unconscionable.
Product: Credit reporting

I have a address listed on my credit report and I have never resided at this residence this is the address that is XXXX XXXX XXXX XXXX XXXX IL, I have been in XXXX tx since 1991
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car at the car dealership and I had alot of hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Student loan

I am currently serving with XXXX as a public health service worker. Onc of the benefits is pausing my student loans while in service. I have applied for this service and they denied stating I am still in school but I am receiving billing statement regardless. My graduate program will resume in XX/XX/2024, but I should not be receiving a bill since I am doing XXXX work. I have phoned Edfinancial on numerous occasions waiting on hold for literally XXXX hours at a time. I have also emailed Edfinancial without any response. I have read numerous reporting errors with this company in addition to their noncompliance and poor/non-existent customer service. I need assistance in trying to navigate this company.