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

I have reached out to XXXX regarding erroneous, and unvalidated information from XXXX collection agencies, XXXX of which has since stop reporting on it's own after I asked the company to validate the alleged debt. 
The XXXX remaining collection agencies are Harvest Associates and XXXX XXXX XXXX have yet to validate their alleged accounts. I have never given Harvest Associates nor XXXX XXXX XXXX permission to receive, collect, nor furnished any of my personal information and private information to any agency ( ies ) or person. 
XXXX seems to be violating the law. 15 USC 1681b Permissible Purpose of Consumer Report. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX stated that they investigated the alleged accounts and it was verified, and will not reverify the alleged accounts. 
I wrote XXXX again requested information regarding their investigation in XXXX, XXXX. As of now XX/XX/XXXX I have not receive the requested answers to my questions regarding the validation of those 2 alleged accounts. 
15 USC 1681 a 2 ( a ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Student loan

On XX/XX/2023 I submitted an application and request to Mohela for move from the PAYE income driven repayment plan to the SAVE income driven repayment plan after using the student fed loan simulator and it indicating my monthly payments would lower. Once Mohela received my request ( before processing and approving it ), their projected payment was {$40.00} more a month and nearly {$100.00} more a month than the initial estimate. I called Mohela on XX/XX/XXXX to inquire as to why my payment would be hire and asked for them to cancel my application to move to the SAVE plan and remain on the PAYE plan with my original payment. The customer service representative told me they could do that and Id be placed back on my PAYE plan. On XX/XX/XXXX I logged on to Mohela and saw I had been moved out of the PAYE plan and to SAVE even though I had requested not to be and told by Mohela representative I would remain in PAYE. I called Mohela again and spoke to someone new. They told me the request to cancel my SAVE application had been submitted but not in time and that they could not move me back to PAYE without a new application. I asked them to submit the new application and was told it would take 7-14 days. I called again on after I received multiple back dated messages through the Mohela website that I was placed on administrative forbearance. The first person I spoke to told me I was on administrative forbearance because of the delayed processing time with IDR applications and that it could take up to 90 days to process. When I asked if months on administrative forbearance, that did not require a monthly payment, counted towards Public Service Loan Forgiveness, I was told that no, they would not count towards my Public Service Loan Forgiveness and that I needed to request to be removed from forbearance and make monthly payments to qualify. I called again later that day and asked a second representative if months of non-payment while on administrative forbearance counted towards public service loan forgiveness and this representative told me that yes, it would and I should remain on forbearance. I then emailed Mohela requesting for written confirmation as to whether administrative forbearance counted towards PSLF. I received a generic response that did not answer my question or provide the requested information. I responded to that email and never heard back.
Product: Debt collection

I have been receiving letters and calls from Pressler , Felt & Warshaw , LLP located XXXX XXXX XXXX. XXXX New Jersey XXXX. Their phone number is XXXX. Everytime they call, I would explain to them that this debt they are coming after me is not my debt. This is for a XXXX  credit account. Presler, Felt & Warshaw states a judgement was enter on XX/XX/XXXX in amount {$1400.00} plus interest so total of {$1600.00}. Around XXXX, yes 19 years ago. I was a victim of identity theft. I did not know of this until around XXXX. When I contacted the 3 credit agencies, there was not much they did due to identity theft was not a thing like it is now. They said they would put an alert on my credit report. I was never served any court notices. I did speak to someone from Pressler, Felt & Warshaw few months back. I told them I wanted them to serve me properly and I would go to court and explain my case. I received another letter from them today. It was a Subpoena Written Questionnaire. The opening of this letter states if I do not return this questionnaire, I would be arrested! I was never properly served, I want to see how this debt belongs to me. They say this is a target credit account. I want to see where I signed to open this account. This is not my bedt and they are not giving me any chance to dispute this. This is a identity theft case from almost 20 years ago. How can they do this. I should be given the fair chance to dispute this. Instead of being threaten of arrest.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX, XXXX, # XXXX, XXXX  XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

In XX/XX/2023 I applied for an IDR, was approved, & received confirmation. However, rather than placing me in the IDR they instead put me in standard repayment without my knowledge or consent. When the new SAVE IDR became available, I applied for it through the .gov website. MOHELA rejected my application for SAVE IDR from the .gov website immediately, CLAIMING that they didn't receive any of the supporting information. They already had this on file from XXXX & there's no way it wasn't a system error on their end importing information from the .gov site. Meanwhile, their hold times to phone into MOHELA to gain clarification are so hideously long that I literally am forced to TAKE AN ENTIRE DAY OFF WORK in order to communicate with my " loan servicer ''. I have logged nearly 4 hours on the phone with MOHELA in the month of XXXX alone trying to get through to them and trying to find a resolution to this issue. The calls frequently drop or disconnect, their agents are rarely able to assist, and often create more problems than they solve due to incompetence! When I finally got through, they made me re-apply for the SAVE IDR. It has been a full month since, & in the meantime, they have placed me into FOREBEARANCE status. I am in PSLF & am concerned this FORBEARANCE status will have a very negative effect on me. I once again had to take a day off work to call MOHELA. I am still in FORBEARANCE & my SAVE IDR still hasn't been approved. Upon sitting on hold for many hours, I was finally informed of the error with being put into standard repayment despite having approved me for PAYE IDR in XXXX, & that if they removed FORBEARANCE while waiting for SAVE IDR application to process, I would be billed an insane amount. After speaking to the resolutions team, who offered a myriad of unhelpful and ill-informed resolutions without even taking the time to read the notes on my account, they entered an IDR application again, WITHOUT MY CONSENT, which I have no idea how will confound and prolong my situation. I repeat - your resolutions team representative filed an IDR application WITHOUT MY CONSENT. MOHELA 's incompetence and poor customer service can only be considered volitional at this point. They are ethically obligated to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX Visa Debit card given to recipients XX/XX/XXXX - card expiration date XX/XX/XXXX - ( specifically XX/XX/XXXX ) - card rediscovery and called in to company to activate / was told by XXXX ( XXXX ) at Texas Call center to go to US Government unclaimed property and attempt to retrieve funds of {$600.00} after 5 years from now. XXXX informed us the {$600.00} would only be available to us 5 years from now, and this was the only option available. Netspend informed us a replacement card was an option, but XXXX insisted the only route was through the US Government unclaimed property - National Treasury website.
Product: Credit card

IN 2022 I WAS IN THE PROGRESS OF BETTERING MY CREDIT. MY {$700.00} CREDIT LIMIT FROM XXXX XXXX  WAS A GREAT START. I EMAILED LEXINGTONLAW XXXX ON GIVING ME AN ESTIMATE ONLY WHAT THEY CHARGE. THEY TOLD ME BEFORE THAT I NEEDED A CREDIT CARD. 
AFTER GIVING THEM MY XXXX XXXX  CARD LEXINGTON STARTED LOADING CHARGES AFTER CHARGES ON MY CARD. 
I ASKED XXXX XXXX  FOR HELP DISPUTING THESE CHARGES BUT THEY NEVER CAME. TODAY THAT CARD IS STILL ON THE 3 CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

Prior to the Biden administration departing, there was a law signed into the constitution that states collections agencies can not report medical collections to your credit bureau making it hard for you to obtain loans mortgage etc. I notified all three credit bureau in which I filed disputes requesting that this information be removed. I haven't heard back any of them, but I have noticed my credit scores decreased by 60 or more points.This is an unfair credit reporting issue which violated my rights under the FCRA. I believe this was direct retaliation for submitting the disputes. Please help me resolve this as I'm doing everything I can do to bring my scores back up to buy a home in the spring and this is negatively impacting me as an AAW. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a complaint against Mariner Finance, in connection with their unlawful and impermissible access to my credit report and their subsequent failure to address an identity theft incident, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2024, I became aware that fraudulent accounts had been opened in my name without my knowledge or consent. As soon as I discovered this, I took immediate action by filing an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), a police report, and by notifying the XXXX, XXXX, and XXXX to dispute these unauthorized accounts and have them removed from my credit file under FCRA Section 605B. Despite submitting all required documentation, I learned that Mariner Finance accessed my credit report without a permissible purpose under the FCRA. I have never sought credit from Mariner Finance, nor did I authorize them to obtain my personal information or open any accounts in my name. This constitutes a clear violation of the FCRAs permissible purpose provisions, as outlined in 15 U.S.C. 1681b, which mandates that a credit report may only be obtained for specific, legally authorized purposes. 
Mariner Finance accessed my credit report without my authorization and without any legitimate or permissible purpose. At no point did I initiate or consent to any financial relationship with Mariner Finance. Despite being provided with sufficient evidence, including my Identity Theft Affidavit and FTC report, Mariner Finance failed to block or remove the fraudulent accounts from my credit file as required under FCRA Section 605B. This unlawful access to my credit report, coupled with Mariner Finance 's failure to take corrective action, has caused significant harm to my financial standing, character, and ability to obtain credit. The derogatory marks stemming from this identity theft have severely impacted my credit score, creating unnecessary hardship.

I am seeking the CFPB 's intervention to investigate Mariner Finance for impermissible access to my credit report in violation of FCRA ; ensure that Mariner Finance immediately removes any fraudulent accounts or derogatory marks stemming from this identity theft from my credit report and hold Mariner Finance accountable for failing to act in accordance with FCRA Section 605B and for the continued harm caused by this negligence. Please note that I have retained documentation including my Identity Theft Affidavit, FTC report, police report, and correspondence with both the credit reporting agencies and Mariner Finance, which I am prepared to provide as evidence to support my case. I trust the CFPB will take swift and decisive action to rectify this matter. If Mariner Finance fails to comply with my request to resolve this issue, I will have no choice but to explore additional legal options to protect my rights and financial well-being.
Product: Money transfer, virtual currency, or money service

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

Complaint # XXXX Reference # : XXXX ; XXXX A complaint was filed XX/XX/24 for XXXX accounts listed on my credit report from LVNV Funding and Resurgent . A response was received on XX/XX/24, in the attempt to validate the debt. 

Please let me inform you that the fact that a debt is owed doesn't give you legal right to collect on a debt. 

According to Florida 's statues of limitations, these accounts are passed the statues of limitations. You're reporting inaccurate information on my credit report which is a violation of the FDCPA and 15 U.S.C 1681. " Immediately remove any derogatory reporting to the credit reporting agencies within 7 days or consider this as a contrastive notice of impending legal action.
Product: Credit card

See attached. Bank says : " Our records show that your services with XXXX  were cancelled on XXXX XXXX '' Bank also shows that I was charged on XXXX. Each charge is for the month coming in advance. The contract states I may cancel at any time. Accordingly I paid for a full month when I only used 3 days. This is a billing error since I did not receive any refund for the unused days. The merchant is not allowed under any circumstance to keep money it did not earn.
Product: Debt collection

American Express is harassing me. Notifications after notifications after requesting them to stop multiple times.
Product: Credit card or prepaid card

Purchased flooring onXXXX. XX/XX/XXXX reported defective merchandise. XXXXreceived an unacceptable response from XXXX. XX/XX/XXXX submitted a complaint to NC DOJ. 
XX/XX/XXXX filed a small claim. 

I paid {$8800.00} to XXXX before I stopped payment for defective merchandise. 

I tried for over two years to work with XXXX and Synchrony Bank. 

XXXX XXXX from XXXX offered me {$6000.00} dollars to end all obligations to XXXX and Synchrony which I agreed Now Synchrony wants me to pay the balance on the contract.
Product: Vehicle loan or lease

I obtained financing twice with credit acceptance company last one was XX/XX/XXXX and got a XXXX XXXX  XXXX, prior one was a XXXX XXXX. My XXXX was repossessed 4 times with fees added each time to get vehicle back. My XXXX has been repossessed about 6 times. I have paid {$28000.00} on my XXXX and it has been repossessed again and there is still a balance of {$16000.00} and now I am unable to get my car back without paying that amount in full. I have been told they will auction my vehicle and I will be responsible for the difference. I was unaware there was a class action suit.
Product: Mortgage

XXXX XXXX company changed companies and did not obtain trust deed copies from the original company. they are telling me i have to supply them with the complete trust deed copy ( at my cost and expense ). I sent the most important papers from the deed trust. this was done at the time of the original reverse mortgage thru a lawyer. I have the only copy. they are not willing to pay for another copy, and i can not afford to have the XXXX page trust copied. they sent a letter to me : Please be advised that until this trust is approved the loan could be call due and payable. it is there responsibility to obtain the trust that was fully approved in the original mortgage.
Product: Mortgage

I made a payment of {$3000.00} on XX/XX/XXXX from my external bank account using bill pay which was transmitted electronically to loan depot on same day, in that payment I had specifically marked for additional principal but despite that loan depot applied it to my next month 's payment which was not even due on XX/XX/XXXX. 
Upon checking this I immediately raised a service request/workorder using online chat for correct application of payment, the ticket # was XXXX and I was given a XXXX of XX/XX/XXXX, and today ( XX/XX/XXXX ) when I check still the payment has not been applied correctly. 
I tried to chat with XXXX today and she said there is no such ticket and they don't handle payments and was very rude in that chat.I repeatedly requested for status on existing ticket and to be connected to supervisor but was not allowed. 
This is second time when loan depot has done something like this. Last month loan depot had returned my payment of {$1000.00} even though it was specifically marked for additional principal. 
My loan documents and note clearly state there is no prepayment penalty and I can make additional principal payment anytime but loan depot is not honoring that either returning the payment or applying the payment incorrectly and not correcting it despite multiple requests and their supervisor even confirmed they don't read the notes for payment-Ideally system should read and apply the payment appropriately
Product: Mortgage

I closed on a refinance on XX/XX/2020. The title company XXXX XXXX XXXX submitted payment for taxes in the amount of {$2300.00} and it has since been posted to the XXXX county tax assessor. The current lender NewRez ( ShellPoint ) also paid my taxes but when we contacted the county they advised that the lender 's payment was rejected and return via Batch number XXXX. Title and I have wasted many hours on the phone trying to get this resolved and my monies returned to me but we never hear back. My last call was on XX/XX/2020 with title and a New Rez Supervisor and they said they would personally call us back in 2-3 days and still nothing. It has now been over 2 months and with no resolution in sight.
Product: Credit reporting or other personal consumer reports

Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX XXXX
Product: Student loan

I believe my loan is direct ( Sent Straight to XXXX XXXX XXXX XXXX ) but im a little confused. Payment kept going up and changing. The rate a was n't ever the same. I called and they " fixed '' It but I still do n't seem to be making a dent. I 've paid a significant amount in six months and probably only got XXXX off my loan. Not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent XXXX XXXX, Experian, XXXX and XXXX documents stating that I am a victim of identity thief. XXXX, Experian and XXXX all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, XXXX, XXXX XXXX, police report notarized. XXXX XXXX XXXXXXXX # XXXX Bal {$2100.00} date opened XXXX closed XXXX