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

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA 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.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX : {$1500.00}.
Product: Debt collection

The debt collector Javitch Block LLC sent me a letter dated XX/XX/year> stating that they are trying to collect a debt for XXXX XXXX XXXX. The letter had a total amount of {$12000.00} owed to the creditor which is not correct.They are sending me threating collection letters about a debt that is not correct. I have notified them of this issue and my response.
Product: Mortgage

Great morning Thank you for your assistance. I am the daughter of a Veteran. The ex wife of a service man. And the mother of an XXXX. I work hard with an established career of over 20 years. 

As with all people life happened and I got behind on my bills. This has happen in the past when my grandmother and father passed away months apart. I worked with GMAC to get to them my home. I thought that the mortgage with being extended for 5 months. It turned out my fixed 30 year mortgage signed in XX/XX/XXXX was extended to XXXX. That is not helpful to me at all. 

In XXXX due to everything going on. I got behind on my mortgage again. I asked for assistance from PHH. During this time PHH has reported me being behind which caused my credit score to drop extremely low. The modifications was discussed and received last week. When I found out it is a new 30 year mortgage I was XXXX. How is this helpful? I advised the PHH representative that I was not interested in starting a new mortgage. This was not my intention at all. I asked about their credit reporting stating I was $ XXXX behind. The representative advised it was due to the pandemic and them not being able to work on my request. 

I researched information online and discovered mortgage companies are targeting XXXX people and keeping them in mortgages not helping them as the modification should be used to. I am requesting that PHH mortgage company is looked into for these unfair practices. I do not want a new 30 year mortgage. At this point I feel like my mortgage should be considered paid in full and the title released to me.Both GMAC and PHH mortgage company fell to help me. Both companies are trying to keep me in mortgages for life.
Product: Student loan

Hello, I believe that FedLoan Servicing has acted inappropriately by forcing a forbearance on me when I did not ask for one, while they were re-calculating my IDR/IBR payment. Additionally, the forbearance was only for a month ( I seems ), and to add such a large amount of capitalized interest to my principal, all because of a one month forced forbearance, is cruel and excessive. 
The forced forbearance, capitalized approx. $ XXXX and applied it to my principal. I understand this is part of the rules of forbearance, but I did not ask for this forbearance, and even if I accidentally and passively allowed a forbearance because their verbage made it seem required during my re-calculation process, then that in itself was unnecessary and unfair. 
Additionally, the forbearance was only for a month, while they re-calculated and billed me for my new monthly payment. Why should I suffer with a $ XXXX growth of my principal, simply to ask for a re-calculation? 

I was ready and willing to pay my monthly payment during the month of my re-calculation, but there was no set dollar amount to pay, and I was sent EIGHT various and confusing letters solely during the month of XXXX, while I was waiting to find out what the re-calculated payment would be. I had no idea what to pay or when it was due because it kept changing all in the course of one month. 
Come XXXX, I see in my FedLoan online account, that my principal has grown by $ XXXX capitalization. 
What kind of practice is this? FedLoan has failed to process my request appropriately, they are perhaps guilty of purposefully confusing me with letters that state different information, they are guilty of using their forbearance rules to force my principal debt to increase, and they lacked in allowing me a say in the matter. 

I can afford my monthly IDR/IBR payment, but I can not allow them to bully me into growing my principal debt like this. How is this fair? How many other people are they doing this too? Why should such a drastic action be taken when all I asked was for a re-calculation? It is like I was penalized because I could not afford the standard monthly payment, so they said, " ok, we 'll make a way to get that money by just forcing you into a forbearance and we 'll capitalize on some of your interest ''. 

What can be done about this? 
Why must I suffer financially and have to have loans through a shady servicer? 
Who can help me? Who can help Us Americans who are trying the best we can to repay our student loans? 

Please investigate. The best solution I would like to see from this, is for FedLoans to remove the capitalized interest that they just added to my account, it is an undue and unnecessary burden, inappropriately applied. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Have a blessed day!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX fraud team has confirmed this account does not belong to me, it is form identity theft. Included is my personal information, FTC report stating this as fact, and the federal FCRA stating that the reporting agencies have to remove this from my report.

Equifax continues to report an account that does not belong to me, which is a violation of federal law. These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. They need to promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Product: Student loan

My XXXX with Mohela is due on the XXXX of the month. I made my payment on the XXXX and received a bill that my payment was over due. I called Mohela and was told that it takes 3 business days to process the payment and that the payment needs to be made at least 3 days before the due date. I asked for something in writing stating that policy. The agent put me on hold and then told where to find where it says ( this is directly from their website ) " Online - 2-3 business days from the payment processing date to post. However, the effective payment date will be your scheduled payment date. '' As I said, I made the payment on the XXXX, the payment cleared my back on the XXXX, yet I also receive an email on the XXXX that my account is over due. By this reasoning, my due date is not actually the XXXX, but around the XXXX. Furthermore if the XXXX falls on a weekend or holiday, my due date is when? The XXXX? I understand it XXXX take XXXX business days for the payment to post ; however, it does not make the payment late.
Product: Credit reporting or other personal consumer reports

My credit report was exposed to a data breach.and I have received multiple pulls on my credit file I did not authorize both hard and soft pull to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- I have about 20+ inquiries on my Equifax reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, us department of education XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX and TransUnion are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the XXXX XXXX. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
Product: Bank account or service

On Tuesday, XXXX2017, I opened up an online checking account with the First National Bank of Omaha ( FNBO ) after doing online research through XXXX. I truthfully and completely answered all their questions about the account I was using, which was my account with XXXX., to fund the new account with FNBO. I opened the account with an initial {$1.00} deposit, which was accepted by FNBO. On my application, I indicated that I would transfer {$2900.00} per month into my FNBO from my XXXX account. On Wednesday, XXXX XXXX, 2017, I received an email from FNBO stating that I was suspended for transferring funds into this account. This was after I transferred {$1400.00} to the FNBO account from my XXXX account. When I called to inquire as to why ( especially given the fact that there had been no issue with the {$1.00} transfer from my XXXX account to the FNBO ), I was informed that it was because of fraudulent activity, which I have never been a part of it nor had it raised as an issue with other bank and brokerage accounts I have opened online-including my XXXX and XXXX XXXX accounts, both of which are larger and more prestigious banks than FNBO. I was never given a satisfactory response as to why my account was flagged and my money held for three days, and would not be available until Monday, XXXX XXXX. FNBO 's verification processes are arbitrary, discriminatory and can not be justified. If there was any concern about fraud regarding my XXXX account, the {$1.00} deposit should have been rejected and at that point, the {$1400.00} deposit should have been as well. Instead, FNBO accepted both deposits and then proceeded to slander my character by insinuating that I had committed fraud with the transfers from my XXXX account. I am the sole signatory on all of my bank accounts and I indicated as much on my online application to FNBO. I am seeking an elimination to these arbitrary and discriminatory practices by FNBO as well as to be made whole as their hold on my deposit will cause my rent ( which is {$1400.00} ) to be late and subject me to a 20 % late fee.
Product: Credit reporting

I have never lived at XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX PA XXXX. Someone used my name.
Product: Credit card

I closed my XXXX XXXX account in early XXXX as I wanted to open up a XXXX XXXX Account instead. I knew I had a balance of about XXXX Ultimate Rewards points, so when closing the account, I explicitly asked about my points, and the reps said I wouldnt lose them as I had other cards that were on the Ultimate Rewards Program. 

On XX/XX/XXXX, I actually transferred over XXXX points from another card into the XXXX Ultimate Rewards account to consolidate all my points under one account. On XX/XX/XXXX, I was transferred XXXX points out of that account to purchase airfare. 

I believed all things were normal, until I logged in on XX/XX/XXXX to discover all my XXXX plus Ultimate Rewards points had been forfeited. I reached out to the bank, to the credit card number, and to support on XXXX -- and they all told me I was out of luck because the account was closed and I had 30 days after closure to move or use the points. In summary, despite all my attempts, I lost over XXXX points which I had accumulated over years, these points are worth between $ XXXX {$8000.00}! 

Three major things at play here - 1 ) I was able to transfer points in and out of the account as recently as XX/XX/XXXX and XX/XX/XXXX, respectively. This is over 2 months after I closed my account. If their policies state 30 days, why would they let me move more points into the account after the account was supposed to be closed? 

2 ) Nowhere on the portal, as an email, or anywhere was I was warned that the rewards account would be closing and I need to move my points. The portal was behaving completely normally. I can actually still see that account on my Ultimate Rewards portal when I log in!

3 ) Multiple times, the account reps told me that I would not lose my points. And I spoke with them multiple times because I applied for the XXXX XXXX XXXX and got denied because I still had an active Sapphire card with a balance.
Product: Debt collection

On XXXX/XXXX/XXXX I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company AFNI , Inc. in the amount of {$1000.00}. I do not have a signed contract nor any contract with AFNI, Inc. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with AFNI, Inc. This negative mark is affecting my XXXX XXXX heavily. Please investigate this matter and remove this inaccurate information from my credit file with XXXX.
Product: Debt collection

I cant not contact XXXX. I tried to chat and call about this discrepancy on my credit but no one answers or follow up. 

Attached is the issue - The US Dept of Education has placed a derogatory mark on my credit when the matter was already resolved per the agreement to repay and my reinstatement letter. Although I did dispute the overpayment directly through the US Dept of Edu, AidVantage, and my Financial Aid because the overpayment was due to a mistake by the XXXX XXXX XXXX office, they had a common practice of disbursing financial aid money on a specific date and then going back and taking the money back due to " overpayment '' or some mistake done by their office. This overpayment was made when I was XXXX XXXX XXXX XXXXe. Still, no one took accountability for the error and I had to enter a repayment plan with the Dept of Education although this was not my fault. The Dept of Education is further trying to disenfranchise me by placing this delinquent mark on my credit when I have furthering myself in finishing college and working on my credit. This is a direct result of this department 's negligence. Per the Department of Education, this debt has been resolved. Attached is '' FAFSA reinstatement letter ( letter stating that the debt has been satisfied ) -Screenshot of the derogatory mark on my credit report XXXX points taken from my credit
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX {$5700.00}, XXXX XXXX {$640.00}, XXXXXXXX XXXX {$1100.00}. ALSO PLEASE REMOVE THE FOLLOWING INQUIRIES XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I feel like I'm being pushed down the road. I have tried over the past 2 yrs to have the 3 major CRA 's correct items on my credit reports through dispute letters. I decided now to take things further because I am not happy with the results. I recently sent my dispute letter to Experian on XX/XX/2019, today I received my dispute results. I was so disappointed. In fact, my formal written request, I specifically asked if they would investigate these " Unverified '' accounts listed. I also asked Experian to do so through " physical verification '' of the original signed contract, all accounts posted on my report to assure accuracy, according to FCRA statue in which they are required to do. 

Well, they never sent me what I specifically asked for, like the original contract that they are supposed to have on file according to the FCRA 611 ( a ) ( 1 ) ( a ). The following accounts I listed for them to verify or remove immediately. 
1. XXXX XXXX XXXX  - XXXX ... 
2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX Here is Experian 's response : ( " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. '' ) Why are they conferring with a creditor? The law specifically states they ( CRA 's ) should have this information in their own file.
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 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: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted this complaint with CFPB and the company replied that the account was verified as accurate. 

Well this complaint proves how the Experians so-called investigation WAS NOT investigated properly. 

The public record item XXXX XXXX XXXX XXXX XXXX on my credit file contains the following errors : 1. The court name is not listed correctly XXXX XXXX XXXX XXXX XXXX XXXX is not an actual court name ) 2. The case number is inaccurate ( # XXXX is not accurate. My case has no letters ) 3. Dates shown are inaccurate ( XX/XX/2016 is not the correct date ) These are multiple errors/violations and a copy of my actual Bankruptcy document with the CORRECT INFORMATION is attached to prove these inaccuracies.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX