23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX, I was charged an additional {$8800.00} of capitalized interest onto the top of my loan. I was encouraged for YEARS to continue to forbear/defer my loan as I was in a severe financial hardship, going through XXXX Bankruptcies, having a sick mother, trying to secure a job, and essentially being kicked out of the home where I was living. Because of this, I reached out to my loan provider who was XXXX at the time. A forbearance and/or loan deferral were my options. After deferring for X amount of time, I would receive emails basically encouraging me to continue to defer my loan. Being young and already in such bad predicaments, I of course deferred. Today, almost 10 years after receiving my initial loan disbursement of {$10000.00} to pay for my schooling at the time, I now owe {$18000.00}. At an 8.5 % interest rate and for someone who barely clears {$XXXX} a month, my payments are so high. But that is not my biggest concern. My biggest concern is that part of my monthly payments are paying over {$8000.00} for a forbearance and a deferral that I was almost encouraged to get. Someone please help me. I feel like I will be upside down and paying for these encouraged deferrals for the rest of my life!
Product: Debt collection

I never applied for an apartment??? What is going on? Remove this from my credit now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my  XXXX   XXXX   XXXX   XXXX   XXXX  .That was financed with  XXXX   XXXX   XXXX  in XX/XX/XXXX .In  XXXX , I fell on some hardship after maki ng 26 cu rrent/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in betwee n jobs.I mad e a payment in   XXXX  .That was n't updated to the Credit Bureaus that    XXXX   XXXX   XXXX     reports to.One  of the criteria for   XXXX   XXXX   XXXX  agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .  XXXX   XXXX   XXXX  .is  reporting my account as a  120 da ys past due in    XXXX   XXXX   XXXX  When  I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX   XXXX  which  took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the C RA manual in which the current  status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.  XXXX   XXXX   XXXX  has  a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as to maintain its accuracy. Their prior cur rent status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus : TransUnion, and  XXXX .
Product: Credit card

XXXX See previous inquiry. 
I need in writing all history of ach and debit payments. 
I need written transcripts or recordings of all customer service conversations. 
I need hardship policy if any in writing. 
I require that you expedite this account into collections to make a settlement.
Product: Mortgage

I'm adding to a complaint already made about Mr cooper. 
While on the phone with Mr cooper on XX/XX/23 the mr cooper representative said that I should never had been denied as I paid all the payments on time as agreed, after a long hold they came back and said that my case had fallen through the cracks and she was making the changes to allow my modification to go ahead, all this was in the presence of my lawyer and recorded by Mr cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was added to all three of my credit files through XXXX, XXXX and XXXX XXXX for over {$7100.00}. This was supposedly for an eviction on a lease through " XXXX XXXX XXXX XXXX '' in XX/XX/2018. This lease was in XXXX XXXX, California. I live in XXXX, Ga. 

I have been a victim of identity theft in the past. I advised the collector at the law firm of this. She said that the social security number on the application was not my social security number. But then proceeded to suggest it was my responsibility to prove that I was not the person filling out this application. Since when did the responsibility for assuring proper identification on an application filled out fraudulently fall back on me? 

She said that a judgement had been filed against me in XXXX XXXX California and that I must pay this debt. There is no record of a judgement for this item in that county. So that is a violation of the Fair Debt Collection Practices Act. ( In addition to the violation and willful negligence regarding the Fair Credit Reporting Act ). 

I am not flying to southern California ... or Oregon for the next instance..or XXXX for the third instance of fraud against me and filling out local police reports. The leasing company was required to obtain proper identification before completing their lease and did not. 

I want this item removed from my file and I want the CFPB to publish this event so that other victims of ID Theft are not badgered and threatened into bankrupting themselves trying to fix errors that lenders create for themselves.
Product: Mortgage

I would like to make this complaint against XXXX XXXX XXXX and my investor of my loan. Loan Modification policies that discriminately disallows the bank 's service provider, XXXX XXXX XXXX, to approve a loan modification that is authorized under the Hamp or Harp Program by Mr Obama for underwater homeowners. On two occasions, XX/XX/XXXX and XX/XX/XXXX, XXXX in accordance with Deutsche 's discretionary policies contrary to existing XXXX authority has denied our loan modification applications, despite proven severe decline in our home value and documented severe decline in our household income due to XXXX XXXX 's XXXX status. The basis for the denial is " The owner of your loan has very specific, technical guidelines for participating in the government 's FED programs and your loan falls outside of the requirements. Because our loan is not backed by XXXX or XXXX XXXX, my Wife and I have lost the opportunity to take advantage of refinancing or modifying through XXXX and are subject to the discriminatory policy of Deutsch Bank National Trust Company as Trustee on Behalf of XXXX XXXX XXXX XXXX Mortgage Pass- Through Certificates, Series XXXX. Because of the legal maze of ownership, we are unable to speak directly with anyone within the bank that actually owns our loan regarding our personal situation. XXXX just released contact information for the bank. It is a vicious cycle designed to disable the customer. Under any peer bank standards, our circumstances more than qualifies for a loan modification. However, because we are behind on our mortgage payment, we are requesting help. Our families gross financial hardships in other areas of our household, XXXX is not authorized to help and is acting under Deutsche 's " technical guidelines '' keeps our family economically strapped and oppressed. I would also like to add to this complaint that DBNTC in XXXX XXXX CA office is showing a lease sign, and is s subject of a new movie called XXXX. They still may be under investigation by the DOJ, and may be shutdown. I also would like to add that XXXX may be the primary investor, not sure due to the letter that B of A sent me has DBNTC the Trustee working on behalf of XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within XXXX days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXX of XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXXXXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX XXXX -- -- HARD INQUIRY on my credit report XXXX XXXXXXXX XXXX -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXXDENIAL LETTER soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXXXXXX XXXX XXXXXXXX XXXX -- -DENIAL LETTER XXXX. XXXX XXXX  -- -DENIAL LETTER I tried disputing all these inquiries through XXXX XXXXXXXX XXXX Equifax and XXXX XXXX XXXX XXXX and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX ; XXXXXXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  I had XXXX fender bender. XXXX of these accidents were hit and run, the other another person fan into the left rear of my vehicle. As stated in my police reports I was never at fault for any of these accidents. Ive done XXXX for over three years and all these accidents occur during that time. However I loss my XXXX and XXXX account base on the report of these accidents by Checkr and in the pass XXXX  months I have been denied several delivery jobs by XXXX and others because of the inaccuracies of this report by Checkr. Ive reached out to them over and over again, trying to submit documents backing my claims and I have been unsuccessful so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted XXXX XXXX XXXX and Continental Finance Co to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was reviewing my credit report and came across an unfamiliar account XXXX XXXX XXXX XXXX  This is not my account, this is a fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the Consumer Reporting Agencies multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( 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. 
I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

2. XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX XXXX These accounts are individual actions, they must be delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.
Product: Debt collection

Good Evening, I XXXX XXXX have paid a debt of {$190.00} to XXXX XXXX, Convergent, and I told them I need of a deletion letter in which they told me don't give, so it shows as paid on my Credit but I need it to be deleted. 
Thank You XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX Account with Chime, it was closed because I missed a payment. I haven't been able to get in contact with anyone to explain to me why I can not pay this account. I don't want to use it I just don't want it reporting to all three credit bureaus as delinquent when I am trying to pay it! I have never heard of a company not allowing for you to pay an account that's overdue. Is it because the money that funds the account is actually my money and if I pay it they will not be able to steal {$860.00} dollars from me? This has to be illegal and I demand an explanation. I am also going to file a complaint with the CFPB and the FTC for a violation of my consumer rights.
Product: Debt collection

I checked my Wells Fargo Savings Account to find {$2600.00} removed from my account under a legal order debit associated with court officer XXXX XXXX whose phone number is XXXX. This happened on XX/XX/scrub> XXXX XXXX They gave me a case number as well, and I can provide that later if needed. An additional {$120.00} fee was removed from my account as well for the legal order by my bank. I was not previously warned about this, I didn't get any notices in the mail or by email or by phone, I have looked through all my debts and credit history, and there is nothing I am behind on. It was unknowingly removed from my savings account without my permission or awareness. I can not contact the court officer until Monday at XXXX when they open because it is a Saturday. Not to mention I live in Maryland and the legal order came from XXXX XXXX where I have not lived or had as my permanent address for at least three years. This has to be a mistake and I want my money back. I called Wells Fargo to make sure all of this was documented and have a confirmation number proving that if that is needed later as well. I checked and updated all of my info through the IRS to make sure I am up to date on taxes. We have an accountant and are up to date on all of that as well. Any actions I have taken have been Saturday XX/XX/scrub>XXXX XXXX  but the initial charges happened XX/XX/year>.
Product: Credit card or prepaid card

XX/XX/2021 contacted vendor no response. 

XX/XX/2021 item was supposedly shipped but never received item XX/XX/2021 Contacted bank to dispute I have emailed and messaged vendor no response on how to get a refund or get another item on the package that I never received. 

XX/XX/2021 Wells Fargo closed claim and told me to contact vendor but I have tried to contacted vendor but no response.
Product: Credit card or prepaid card

Capitol One bank did an unwanted and unauthorized credit check on my wife and me. They called from XXXX stating it was in regard to " an application '' ; which was not a fact. We have never done business of any kind with Capitol One and have no wish to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have WRITTEN EXPERIAN on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : URGENT DISPUTE DEMAND DELETION OF INACCURATE CHARGE-OFF ACCOUNT ( XXXXXXXX ) ** Violations : FCRA 611 ( c ), Texas Finance Code 392, CFPB Consent Order To Whom It May Concern : I demand the immediate deletion of the fraudulent charge-off account ( XXXX ) from my credit report. This account contains demonstrable inaccuracies and violates federal and Texas law. Equifaxs failure to correct this despite prior disputes constitutes willful noncompliance under the FCRA. 

Account Errors Inconsistent Reporting : High Credit : XXXX ( E q u i f a x ) XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX 

Date Last Active : XX/XX/XXXX ( Equifax ) vs. XX/XX/XXXX ( XXXX ). 

XXXX XXXX : Last Reported date of XX/XX/XXXX ( Equifax ) is impossible, as todays date is [ current date ].

Reinsertion Without Notice : This account was previously deleted but re-reported without written notice, violating FCRA 611 ( c ).

Legal Demands Permanently delete account CLXFEF** within 5 business days**.

Provide written confirmation of deletion and a revised credit report. 

Cease unlawful reporting of this fraudulent account. 

Failure to Comply Will Result In : CFPB Complaint : Highlighting Equifaxs violation of the 2023 Consent Order for systemic inaccuracies.

Texas Attorney General Complaint : Under Texas Finance Code 392.304 ( a ) ( 8 ) ( misrepresenting debt details ).

Lawsuit in Texas Court : Seeking damages under : FCRA 616 ( {$3500.00} statutory damages ).

Texas DTPA ( up to {$20000.00} for deceptive practices ). 

Contact Information Phone : XXXX Email : XXXX CC : Consumer Financial Protection Bureau, Texas Attorney General Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XX/XX/2020.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX XXXX XXXX  Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX  XXXX XXXX Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX XXXX XXXX Balance : {$280.00} o XXXX XXXX XXXXXXXX  Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see an unauthorized inquiry on my credit report, which I never approved. I regularly check my report, and today, I found unexplained discrepancies out of nowhere. I refreshed my browser, hoping it was just a glitch, but the issue didnt go away. This is beyond frustrating, and I expect immediate action to be taken. I urge you to thoroughly review my submitted documents so I can finally put this stressful situation behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a closed account that hindering me to use my credit the account is credit strong