23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XX/XX/year>, I reached out to Mohela and requested that my account be taken out of forbearance. I also made a payment and my account was current. I have never been delinquent on loans. The week of XXXX, I received an e-mail saying that I owed {$17.00} and my account had been delinquent since XX/XX/year>. This is impossible as the loan was in forbearance at this time. I did not receive any late notices from XXXX to XXXX. Also, my loan was set up on auto pay the entire time. I have called multiple times to have the error fixed. I get the first representative who notes the account. Then says I need to be transferred then while holding to be transferred the call drops. 

I am asking that my account be corrected and the credit bureaus notified of this error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

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, also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681C ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I received the results of my dispute back from Transunion, but it doesnt look like they reviewed anything I sent them including the documentation I provided. Instead, they applied my Bankruptcy to ALL my accounts ; whether it was valid to do so or not. This includes accounts that are current, those that were paid off years ago, all Student loans- both paid off and currently due ( now showing as closed ) ; a judgement and mortgage loans that were not discharged but paid previous to the BKXXXX. I now have XXXX new erroneous key derogatory 's on my report because of this and even more serious items to dispute than the first time. I need your help in assuring that they correct the errors they 've created and actually investigate the items that I am disputing this time. Thank you.
Product: Debt collection

This collection is for XXXX bill on a house I sold in XXXX, 2016. The bill was not received until XX/XX/XXXX because of mail forwarding and was paid via XXXX XXXX bill pay and the check was cashed on XXXX XXXX, 2016. This was well before Aargon Collection Agency posted the collection to the credit bureaus. Even after I called and spoke to them and sent them the proof of payment, they posted the new collection account for the credit bureaus. They promised to remove this from my credit report, but that has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX College in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with XXXX  now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX College saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.
Product: Debt collection

XXXX Account number for Caprio Partners the amount is {$2100.00} dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results. Please help me with this.
Product: Mortgage

On XX/XX/XXXX, I attempted to refinance to get away from Select Portfolio Servicing, as my mom had trouble with them for many years prior. My loan processing was going through until Select Portfolio added on a {$56000.00} processing fee that killed the loan. Further, at the time, the amount left on the loan was {$42000.00}, which is important to remember based upon the current issue. I also wanted to get the loan into my name, as my grandmother left me the house and everything is in my name. XXXX XXXX XXXXXXXX, the original lender, had me as a party on the account, but Select Portfolio kept removing me and making me run through hoops to get put back on ( my grandma is now deceased and I am in charge of the estate ). In XXXX of XXXX, due to my condo association not accepting cash payments, Select Portfolio started paying my condo fee and changed my escrow/p and I payment to XXXX. Of this, XXXX was for principal and interest, XXXX was for taxes, XXXX was for the condo fee, and the rest, or roughly XXXX was to pay back the negative XXXX in my escrow. It was assumed that after 10 months, my escrow would be back to positive ; however, Select Portfolio kept this payment going until XX/XX/XXXX when they raised my payment to XXXX a month AND said my principal and interest was raised to XXXX a month. When I asked them to run an audit and explained I was owed money ( it took them 4 years to even talk to me, as they kept saying I needed to fill another form or they lost this one and 15 phone calls ), they instead sent me a letter saying their calculation was correct and my escrow, which I have overpaid, was negative XXXX! I asked for a full breakdown of everything going in and out of the escrow to find out they were taking money and not crediting my payments anywhere, with XXXX here, XXXX there, XXXX another time, all adding up to the negative they were claiming but it was going nowhere. I wrote to them to do an audit this time, after they refused to acknowledge my request the first time ( on recording ) and, when calculating what was owed back to me on overpayments was nearly {$13000.00}. Then, I saw my balance was up from XXXX to now XXXX ( meaning they didn't credit payments at all ) and the {$56000.00} was now an advance, even though there was no advance to the account for anything and no explanation. Further, because they refused to fix my payments, even though I would make multiple payments a month, they started charging late fees that are erroneous. AND, they constantly make mistakes on my condo association fee, which was the whole issue in the first place, where they're constantly late on payments or send in the wrong amount.
Product: Credit card

This statement came in the mail saying I was pre approved for this credit card so I thought I was just signing up to get the card not knowing there was gon na be a hard inquiry on my credit or I woukd not have filled it out.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for allowing multiple unauthorized inquiries to appear on my credit report. After contacting both Experian and the creditors responsible for these inquiries, none could provide proof that I authorized them. Specifically, I did not give any written or verbal consent for these inquiries, and no legitimate purpose has been confirmed. The unauthorized inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have had a negative impact on my credit history and have limited my ability to obtain credit. Since I did not authorize these inquiries, there is a concern regarding potential misuse or misrepresentation of my personal information. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with an explicit, permissible purpose should appear on a consumer 's credit report. Failure to verify proper authorization may indicate non-compliance with these regulations.I request the CFPBs assistance in ensuring that Experian promptly removes these unauthorized inquiries from my credit report. Additionally, I ask that the CFPB investigate these circumstances to prevent any potential misuse of consumer information that could lead to unauthorized or misrepresented credit inquiries in the future. Regards XXXX XXXX
Product: Debt collection

I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/year> for my XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove, accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I filed a complaint against experian for applying a security freeze without my consent and not allowing to verify i am the person the freeze is affecting and by them making me jump through so many obstacles to attempt in recovering pin to remove feeeze they have been having an adverse afffect on my physical health and mental health by denying me the opportunity to apply for credit thus harming my ability to financial freedom and progress. When i submitted the complaint i specifically asked XXXX to be retrieved or removed but they ignored my question as if they read something compltely diffferent than the issue i filed for. Saying that if i wanted to apply for a freezei can do so with proper id.? They are ignorin ng me and continuing harm my health and freedom. I will be looking into civil rights violations for that
Product: Mortgage

On XX/XX/2023 we applied for a HELOAN at Regions Bank for the amount of XXXX dollars. The address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. We finished the paperwork and turned it in on XX/XX/2023 because their computer wouldn't take our information because it froze up. The person doing our application ( XXXX XXXX ) called the very next day at XXXX and said we were denied after they asked us what our race was the day before. Because their computer froze up we had to do it by paperwork. About one week later that was dated on the XXXX we received a welcome letter from regions Bank saying we would get the loan. We gave them all the paperwork they asked for and we have good credit. They still decided to decline us. Without any reason. We went back and asked for and explanation and put in a complaint. We didn't hear anything back. We called again and asked what the status of our complaint was and they told us over the phone with no further explanation that we were denied because we had a bad risk grade. We understand that their bad risk grade. We have very good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My husband and I were affected by COVID these from XXXX through XXXX. I was charged late fees on XX/XX/XXXX for {$38.00} XXXX, XX/XX/XXXX {$40.00}, and XX/XX/XXXX for {$40.00}. I asked the credit card company, Capital One credit card to refund me due to the Covid hardship I spoke with XXXX and XXXX a senior account supervisor and she could not help and could not refund it. She said I should have called when my husband was ill. I find this to be bad business and not true to their website. Their website states that they can help with financial issues during COVID. I found their supervisors to not be helpful at all. They said I should have made a call even though he was sick. I could not make a call during that time. I could not, I had a sick husband and a special needs kid. They said it was my fault for not calling. I find that to be bad service and a pandemic is a unique, difficult situation. I was caring for my husband and focused on his husband 's life, not calling the credit card company. It is also a financial burden. 

Can you please help to reverse my late fees? 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original owner od this card is my husband since XXXX, im not really sure the the year he put me as an authorized user only. He never ever put me as a secondary on any of his card. Late last year XXXX he just found out that the credit card company decided to put me as secondary without his and my knowledge i consider this as fraud. He was so upset and arguing with them that he didnt autorized it, my wife ( me ) doesnt work no incoome at all. I quit my job since my husband became XXXX and unable to work. He was so sick, he passed XX/XX/XXXX. When i reported to the company that my husband passed then the company put me as Primary account holder for {$14000.00} with the minimum payment of {$2100.00}. I dont have that kind of money im a senior depending on my social security for {$1900.00} and some cents. i have to pay my mortgage and my utilities and food and gas everything is high in prices. Please help me this givving me XXXX and my XXXX  im XXXX XXXX XXXX this year. Please i really need your help. I referred to you by the office of the Attorney General. I have getting letter that they will sue me or submit to the credit bureau to collect the full amount. My husband XXXX percent XXXX, when he passed all his benefits stop and he did not leave any estate. XXXX percent of the charges are my husband. I really appreciate your help. I called and talked to them but the wont consider anything, last month i pait  {$50.00} thats all i can afford but they accepted the payment. I just got the new statement with the minimun payment for {$2100.00} Yours Sincerely,
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating. 

The effectiveness of the financial system is thus hampered if there is a breach concerning the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval. 

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are broken by this.
Product: Debt collection

Receivables Performance is reporting a debt on my credit file that I did not know I had. I just checked my credit report & found out about this debt. As soon as I found out I called them right away to learn that it was a debt from XXXX  XXXX. I have not had an account with XXXX  XXXX  for years & didn't know I had a debt with them. I did not receive any phone calls, emails, letters, notifications, nothing! as they claim. I feel like they are in violation of my 30 day right to dispute and I demand they remove this collection off my credit report. I have settled the debt.
Product: Money transfer, virtual currency, or money service

Sent money to a number that didnt accept zelle and couldnt retrieve the money back
Product: Credit card or prepaid card

This was agreed to be removed once account was paid in full which it was. I had an emergency fire to deal with and unable to turn on autopay at this time. Otherwise all other times I paid in full. 

I would appreciate this be removed on XXXX, XXXX, and XXXX. Thank you
Product: Credit reporting or other personal consumer reports

I have contact XXXX credit bureau and also did it online and they have not removed the inquiries that they have posted without my consent and when they are not mine and they hurting my chances for me to get a home because they reporting inquiries that are not mine. I need all this inquiries to be verified and removed inmidiatly of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I received an alert on m y XXXX credit app about a collections account in the amount of {$3900.00}. This was added to my credit by a company called Consumer adjustment. Prior to that, I have never received any correspondence from this company asking to verify/validate the debt that they assumed from another company. 

On XX/XX/XXXX I submitted a complaint to the CFPB via this website ( complaint XXXX ). 

On XX/XX/XXXX the company responded saying that they submitted my dispute to the original creditor for debt validation. 

Today is XX/XX/XXXX, and I have not received anything from this company, yet they are still reporting this as a collection on my credit, which has negatively impacted my account for almost 60 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> ( and processed on XX/XX/year> ), I sent a XXXX payment of {$390.00} from my Bank of America account to an individual named XXXX XXXX at phone number XXXX ( alternate number XXXX ), believing I was making a legitimate purchase of XXXX XXXXXXXX XXXX XXXX XXXX ticket for row XXXX XXXX XXXX. This individual assured me that I would receive the ticket, but after the payment was made and processed, they claimed that the payment had never reached them. They then claimed that they had refunded me the {$390.00}, without providing any credible evidence. When I simply requested an update on the situation, this individual accused me of scamming and proceeded to stop all communication since XX/XX/year>, despite various attempts at phone calls and messages. Furthermore, despite claiming that the phone number XXXX was no longer available except for XXXX purpose only, this individual somehow managed to use this number to text messages with unclear meanings until XX/XX/year>, before stopping this communication as well. Before stopping the communication, this individual assured that the refund would be resolved by " this week '', meaning by XX/XX/year>. I have eventually sent a clear message to the individual via XXXX  chat and the two phone numbers above requesting to respond to the choice of either delivering the promised product or a refund of my payment by XX/XX/year>, XXXX XXXX  XXXX. Please note that this individual has been very active and responsive but became inactive once the payment was fully processed. I have not received any response. It has been two weeks since I have made the payment ( not when the payment was processed ) and this individual ultimately did not provide the promised item nor refund my payment. 
It became clear that this was a fraudulent transaction, and I was deceived into authorizing the payment under false pretenses. I authorized the transaction based on the belief that I was conducting a legitimate transaction. However, I would not have authorized it had I known it was part of a scam. While I authorized the transaction, I didnt authorize fraudulent use of the funds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On several occasions a person that works for Weinberg Mediation named XXXX XXXX has called my phone and leaves messages regarding helping with litigation for my son. The latest phone call today this person stated in a voice mail, my son 's name, last XXXX of social, complete birthdate and my home address which is not my son 's address. Stating that they were now going to serve the pending litigation to this address. 
I would like these calls to stop and they be held liable for repeating secure private information to me. I have the voice mail saved and will forward upon request.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681a - Definitions ; rules of construction Exclusions except as provided in paragraph the term " consumer report '' does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

fair credit report act violations : not mine : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX