23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AmeriFinance INC, is currently my Lienholder for my XXXX XXXX XXXX. While having a few financial problems in the past few months due to a breach of identity theft and bank fraud. This company calls me multiple times a day, different representatives, different languages other than English. Not only to do I speak to one representative, someone else will email me, Text me. The company has called my family members repeatedly. They also have an automatic call system to call me every few hours. I have explained to the company that the best option is to email me. While working in a secure building during working business hours. I am unable to answer my telephone. On average they leave about 2-3 voicemails daily. I have never been more than 30 days late on this loan. While speaking to family members, One of the agents spoke about the loan to a relative. In return, They were able to inform me about what was owed on the account and my monthly bill. I find myself making a payment arrangement with an agent via email. whereas they still contact me about the debt. No one speaks to each other or provide notes.
Product: Student loan

My name is XXXX XXXX, since XX/XX/2019 i been in contact with Bass & Associates to try set up a payment plan to get in to Loan Rehabilitation program. Bass & Associates is a loan process for Department of Education. 


Since XX/XX/2019 i have being getting the run around to trying to complete the appropriate document, 1st i contact bass & associates XX/XX/XXXX, i was told to send pay stubs and student loan payment document, after submitting this documents Bass & Associates never contact me with my application update, 2nd i contact bass & associates XX/XX/XXXX to follow up regarding the document i submitted, i was my paper work is in process i will receive loan rehabilitation agreement in mail within 10 days 3rd i contact bass & associates XX/XX/XXXX to follow up regarding my status, again i was told everything is received i will receive rehabilitation agreement within 10 days 4th i contact bass & associates XX/XX/XXXX to follow up regarding my status, and again i was told all my document was received i will getting rehabilitation agreement within 10 days. 

5th i contact Bass & Associates XX/XX/XXXX, i was told i am missing one document i should be re-submitting Loan Rehabilitation expense form ( which i did XX/XX/2019 ). 

All above contact was made by me via a phone the hold time to get bass associates on the phone is average 1-2hr. 

It have/has been extremely difficult to try to communicate and solve the problem with bass & associates and department education, my life have been put unhold, This has been trumades stress on my life, to the point i am seeking a medical help. 

The lack of communication from Bass & Associates and Department of Education and not providing a proper customer service has been ruining my life, Mentally, physically. 

i greatly appreciate your assistance in matter Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported on is closed from a public sale of foreclosure on XXXX/XXXX/XXXX. Currently you are reporting that there is an outstanding balance of {$62000.00} which is inaccurate as well that a 90 day late payment was made in XXXX which is also inaccurate. I am asking that each of these be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I made my XX/XX/XXXX mortgage payment, but we received a notice that we had not. I called Quicken Loans immediately to resolve. I made the XXXX payment immediately and paid the XXXX payment as arranged. 

We have never missed a mortgage payment in all the years we have had loans with Quicken and the reason we missed this time is my husband was very sick. In XX/XX/XXXX my husband was diagnosed with XXXX XXXX, and went through intensive XXXX for several weeks. Then in XX/XX/XXXX he had XXXX, which took 8 hours and 2 XXXX XXXX to remove part of his XXXX, and all of his XXXX. The XXXX was rebuilt out of his XXXX  XXXX. He also had a XXXX. He was in XXXX for 4 days then in a monitored patient room for another several days. Once he was discharged, he was on intravenous nutrition and XXXX XXXX ( XXXX XXXX XXXX ) in his XXXX, which I was doing. When my husband 's XXXX was reconstructed, one of his XXXX XXXX XXXX XXXX, so we had a XXXX XXXX came to our home twice a week to help him talk above a whisper. He underwent XXXX about 2 weeks ago to fix the XXXX XXXX XXXX and he is speaking fairly well. 

I sent an email addressed to XXXX XXXX, EVP, Client EVP, Client Experience Operations on XX/XX/XXXX. I received a phone called from her assistant, " XXXX, '' who checked into the situation, but she said there is nothing they could do because if the payment is one day late, a letter goes to the credit agencies. 

On XXXX I sent an email to XXXX XXXX, CEO, with the same complaint. A director in consumer relations ( I'm sorry but can't find his name ), called me and he explained that " according to the Fair Credit Reporting Act, '' Quicken is required to send a notice to all credit bureaus, no exceptions. 

Disregarding our extenuating circumstances, Quicken Loans sent a " late payment '' notice to the credit bureaus. Our once good credit is now at rock bottom. I am XXXX, my husband will retire in a few years. We have tried our entire lives to be responsible consumers. The one time when we have critical personal circumstances, we are thrown to the wolves and all responsibly placed on FCRA by Quicken. I can't believe years-long customers can not be afforded a " forgivable '' chance. 

I have attached documentation related to this complaint. If it is necessary, I will provide confirmation from my husband 's XXXX XXXX, primary care physician, medical facility, XXXX XXXX, XXXX XXXX, or whoever else you need confirmation from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been battling with identity theft for years and now theres 3 new collections on my report that I never Opened. 3 new collections have been added to my credit report that is fraud and have not been opened in my consent on my Experian credit file. XXXX XXXX XXXX XXXX XXXX Balance date : XX/XX/2018 with balance : {$40.00}. Another XXXX XXXX XXXX XXXX XXXX with balance of {$280.00}. XXXX XXXX XXXX open date XX/XX/2018 Balance : {$880.00}. These are ALL fraudulent accounts in my name. 

There are 7 fraudulent accounts in my name reported on my Equifax account. 
Names : XXXX - medical collection balance {$330.00} XXXX XXXX XXXX - Balance {$350.00} XXXX XXXX - Balance {$320.00} XXXX XXXX XXXX - Balance {$890.00} XXXX XXXX XXXX - Balance {$570.00} XXXX XXXX XXXX - Balance {$400.00} XXXX - Balance {$570.00} THESE ARE ALL FRAUDULENT ACCOUNTS MADE BY SOMEONE ELSE AND NOT ME. These need to be removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} UNKNOWN XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I attended XXXX  school at XXXX XXXX XXXX in XXXX in XXXX and attained an XXXX loan at a high-interest rate. The school has been closed since then, and the degree was not utilized as I couldn't make any money in the field. Since then I have made payments but the loan was still at $ XXXX with no dent. 7 months ago, the loan payment went up to {$600.00}, and I couldn't afford it, so I stopped paying. Navient has been contacting my coworkers and employer to determine work, embarrassing and humiliating me at my place of work. I finally spoke with them and they wanted to settle with me paying $ XXXX in full. The lenders they sent me would only provide a loan at 34 % APR. I can't afford that. Now, they have started emailing my employer again. I live in NC, and I believe as they are a private lender, they can't get this information from my employer, nor can they sequester my paycheck. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NJXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX , NJXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX
Product: Debt collection

XX/XX/XXXX, called me from XXXX, 7 times ... XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX no message. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX XXXX, XXXX, XXXX and 3 times at XXXX. I asked them to stop calling at XXXX and XXXX. Received another call today XX/XX/XXXX at XXXX. They are harassing me and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that M & T XXXX. remove XXXX XXXX XXXX  day late dated XX/XX/2020 from XXXX, XXXX, XXXX. This payment " late '' due to XXXX extenuating circumstances beyond my control & directly attributable to M & T & XXXX actions. As usual, I attempted to hand deliver my XXXXto the XXXX M & T branch on - however, M & T would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. M & T XXXX XXXX XXXX refused payment slide under door. 
I then attempted several times to send XXXX XXXX via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX SB. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted XXXX was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for XXXX years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for M & T refusing an on time XXXX XXXX & bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if M & T had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with M & T ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted XXXX XXXX.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn i have been a victim of identity. I found numerous accounts on my credit report they were not open by me. This has been hurting me as i am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have formally disputed inaccurate information and it was re-investigated by XXXX XXXX and Equifax with account number XXXX, XXXX and account number XXXX XXXX  also account number XXXX XXXX XXXX XXXX and as a result from those disputes the company falsely claim that accounts was verified I received a message from the CFPB with this information as response from company I have provided proof and is asking that these illegally accounts be removed and deleted from my credit profile immediately as it is in violation of the fair credit act it is inaccurate and has effective my credit worthiness please follow the rules and delete this in accurate account
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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

Theres an account on my file that needs to be removed the company is aware but they are needing this attached that is to this complaint to fix the issue there system is not working so they can not removed the file
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX I was in an XXXX  relationship I got scammed and I had multiple data preaches where my information was exposed my information was used to look for and obtain loans for cars by scammers who said they were going to help me start a car rental business they kept the cars and got insurance in my name and nothing was paid for my abuser had me open credit cards and different accounts that he said he would pay for and put fake checks in my bank accounts and took the money he stole and control my money and I was unable to pay any of my bills resulting in homeless debt and financial ruin I had to go into a domestic violence shelter in order to get help and get away from my abuser. Also my personal information was exposed in multiple data preaches. The car loans were XXXX XXXX dealer services XX/XX/XXXX in the amount of {$37000.00} XXXX  XXXX XXXX XX/XX/XXXX in the amount of {$37000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of {$30000.00} XXXX XXXX XX/XX/XXXX in the amount of {$29000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$4000.00} capital XXXX XX/XX/XXXX {$1000.00} collection for XXXX XX/XX/XXXX credit collection services XX/XX/XXXX {$630.00} XXXX XXXX XXXX XX/XX/XXXX {$770.00} and inquiries to my credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX I have been working with a victims advocate XXXX XXXX XXXX XXXX I filed a police report about the abuse at XXXX police department and I was in XXXX domestic XXXX shelter and I am starting disputes with the creditors
Product: Credit reporting or other personal consumer reports

XXXX and Experian has repeatedly violated my federal protected consumer rights by publishing negative information on my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding unauthorized inquiries on my credit report that were not removed despite a prior dispute letter submitted over 3 months ago and the submission of an FTC Identity Theft Report. These inquiries lack a permissible purpose under the FCRA, as no credit transactions, employment, insurance underwriting, legal orders, or other legitimate business needs exist to justify them. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Since the creditors failed to provide verification, I formally request the immediate removal of these inquiries. Please confirm their deletion to ensure compliance with the FCRA.