23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill from BJ 's for membership renewal on a BJ 's  Mastercard for {$55.00} - I had a membership BUT NEVER asked for a renewal! This happened in XXXX of 2020. I informed them that I did not want a BJ 's card for membership. I asked the representative to cancel the charge and did not want a renewal of a BJ 's membership. I received another bill - I called again in XXXX and asked for the membership to be dropped - I called both BJ 's and Comenity Bank. After multiple calls to both companies, I thought I resolved the issue when a representative said the account was closed - I have talked with numerous representatives - XXXX, XXXX, XXXX, XXXX, and still I am receiving multiple phone calls for collections and past due amounts from Comenity Bank. After trying to call BJ 's for more information I was continually asked for a membership number, which I did not have, consequently I was getting nowhere. Finally, XXXX, mentioned above from XXXX explained to me she had my membership number. I used the number to try to clear this up with BJ 's - I used a three-way call with XXXX, XXXX at BJ 's, and myself and thought we resolved the issue - XXXX said, on XX/XX/XXXX the issued was going to be taken care of. This all occurred on the morning of the XXXX or XXXX. 
I am still receiving multiple phone calls daily to both numbers entered on this form. Additionally, a letter has been written.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX I noticed two inquiries placed on my credit report from Citibank/way and CBNA. I immediately contacted Citibank and CBNA informing them of fraud and I explained I never applied for credit from their companies. The Representatives ensured me that this dispute will be forward to Citibank and CBNA as fraudulent. The inquiry is still appearing on my credit report. I'm asking that this fraudulent inquiry be removed. I contacted these creditors and they did not do as promised.
Product: Student loan

Complaint - MOHELA failed to timely inform me of my recertification deadline for my IDR. 

Background - On XX/XX/year>, I was looking at my MOHELA account dashboard, and it showed that my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I went online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the COVID-19 payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner and never receiving information from MOHELA that it was time to recertify, I have not recertified to this point. 

On XX/XX/year>, I emailed MOHELA through their online portal the following : " Good afternoon, I was looking at my account and it looks like my loan payments are going up to a traditional XXXX yr payment plan amount in XXXX. However, when I go online to my XXXX account, there is a banner at the top of my dashboard that says " If your income has changed, you can get a new monthly payment amount. On an income-driven repayment plan, you usually have to update your income every year ( recertification ). Because of the XXXX payment pause, you dont have to update us yet. But if your income has changed, you can update us and get a new monthly payment amount. '' Due to this banner, I have not updated my income. Is this why I am being transitioned to a traditional payment plan? '' After my message to MOHELA on XX/XX/year>, I received a separate message from them on the morning of XX/XX/year> indicating that it was time to recertify. It included an attached letter which was dated XX/XX/year>. The letter stated that my deadline to recertify was XX/XX/year>. 

I have attached the following : XXXX. XX/XX/year> message from me to MOHELA regarding confusion with recertification XXXX. XX/XX/year> letter attached to XX/XX/year> message from MOHELA XXXX. Print screen of my inbox with MOHELA showing that I was NOT notified of my recertification deadline prior to XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$680.00} - Account # : XXXX XXXX XXXX - Balance : {$25000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 XXXXXXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

I applied for a home loan through a XXXX XXXX approved lender. That's their requirement to use the incentive programs. 
Pre-approval letter from prime lending generated XX/XX/XXXX Offer accepted XX/XX/XXXX appointment set for XXXX on XXXX to go over final options. Loan XXXX calls at XXXX. I call her back and leave message on same day at XXXX after receiving her message. 
Received email request to sign docs loan estimate, disclosures, etc... 
Signed docs same day. We'd already agreed it was conventional loan, interest rate was XXXX I think in that doc. 
Received call from her on Tuesday the following week stating that the interest rate had not been locked, she'd wanted to talk to me about my loan options and the fact that I could not use some XXXX incentive. She'd been clear about me not being qualified for that incentive from the beginning of the process. It does not show up on any docs. Again, verified conventional loan. Interest rate is now XXXX. Not qualified for XXXX, she follows up with an email and contact for the program proving it. The only reason I got this info is because I asked why it was missing on docs she was sending. 
Now we're in the process, I'm seemingly committed, home inspection is already done, closing date is set for the XXXX of next month. Conditions of loan has dramatically changed and I seemingly do not have time to switch to a different lender. 
Initially I was working with a lender that is not certified through XXXX XXXX. 

Changed to this lender : Was told : you can do 3.5 % down rather than 5 % that outside lender was quoting. 
2000 incentive not eligible for additional XXXX incentive because income is too high XXXX program for XXXX. ( lender was aware that I had another property, not first time home buyer ) nterest rate was the same.as with previous lender After signing loan estimate new information : Interest rate has changed because it wasn't locked when you signed loan estimate Not eligible for XXXX Still get XXXX credit Not eligible for 3.5 % down because not eligible for XXXX that I was never eligible for Not eligible for interest rate reduction because not eligible for the XXXX that I was never eligible for There is a const analysis I am attaching. It now does not show the XXXX because it was updated on the XXXX. Initially the XXXX was included on it, the XXXX funding is shown on the loan estimate. It just brings the amount financed to XXXX down to XXXX. This was a part of the intial loan and when it was removed because I didn't qualify I should have been notified. I asked why it was not there and then received a response. 
Also, an email stating that the lender did not think that I was interested in the XXXX or XXXX because they have to be paid back when I sell the home. It didn't make sense to me because XXXX XXXX has these lenders on the website so they can advise you about these programs, and ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is r

eporting 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 reported in XXXX to XX/XX/year> to be removed. 

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. 


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 card or prepaid card

Re : XXXX XXXX card XXXX XXXX XXXX XXXX Valid Thru XX/XX/29 I was given a gift of a prepaid {$25.00} XXXX XXXX Gift Card. ( Issued by XXXX, and serviced by XXXX XXXX California XXXX ). I tried using it to pay for items at a XXXX. I was unsuccessful. I then tried to get a balance on the card when I came home, and tried to find out anything about the card. I was asked to key in the cards XXXX-digit number. Each time I did that, the voice at the other end repeated an incorrect number. When I tried to key in again and responded no to the question of correct or incorrect, they said good bye I would appreciate any help with this card.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied for XXXX XXXX and Capital 1 through an ad on XXXX. Both of the consumers stated that it would be a soft inquiry and would not affect your credit score! This needs to be addressed if they are pulling hard inquiries and being deceptive to applicants!!! I have screen shots but only camera comes up not able to upload screenshots of companies stating " see if you qualify with no impact to your credit score ''.
Product: Credit reporting or other personal consumer reports

illegal accounts on credit report due to Equifax Data Breach. I went to https : //www.equifaxbreachsettlement.com to see if my information was impacted and It stated that I was. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681.According to the 15 U.S.C 1681 ( b ) ( 1 ) I didn't give nobody written permission to furnish these accounts to your credit profile.

I have the document attach with the list of accounts I have already
disputed these accounts with all three bureau, for other reasons being wrong info, and now about them violating my rights. They continuously deny my federally protected consumer rights over the phone, and say they will not delete these accounts. The last persons I spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Equifax, were very adamant and told me the deletion were not happening even after reading them my rights.
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Was sued by Midland Credit Management in XXXX of XXXX, they alleged that I owed a debt that they purchased from XXXX XXXX XXXX. 
I sent notice to court with intent to defend, on the court date Midlands  attorney XXXX XXXX had me meet prior to the trial, where I was shown documents of the alleged debt and convinced to make a settlement or face trial ending with a judgement of twice the amount. Midland had prepared the records and hired the services of XXXX XXXX, I was not convinced that the debt belonged to me but under the pressure paid the settlement amount and signed the document presented to me by XXXX XXXX. 
Court document of settlement is attached as well as USPS records of delivery to confirm receipt of payment and cancelled check showing confirmed payment as per terms of the settlement. 
Per the advice of legal counsel after the settlement a letter was attached with the payment, stating that Midland  Credit Management would show the account paid in full and remove all negative information from my credit reports. One year later and Midland Credit Management is reporting that I still have an open account and balance. Attached is a copy of my credit record with XXXX XXXX showing paid as agreed. Midland  Credit Management sued and fraudulently collected on an account and will not remove or stop reporting a balance to the credit reporting agencies. It is clear that Midland Credit Management is in violation of FCRA rules. If there is no resolution I have attorneys prepared to file suit.
Product: Debt collection

XXXX is misrepresting itself by continuing attempts to collect a debt I do not owe. They have now changed their name on my credit report to Wakefield & Assoc. XXXX XXXX which is the same address as XXXX. XXXX. deleted this fraudulent collection account on XX/XX/2016 and the same day the affiliate Wakefield was on my report about the same account that was verified by XXXX that is not mine which is why XXXX rec deleted themselves from my report. This is false, disceptive, and misleading practices by these companies. That 's why I contacting CFPB, the FTC, the states attorney general and the better business bureau to inform them of this unfair practice by XXXX. and Wakefield & assoc. from XXXX, TN. Revenue added this on my credit report XX/XX/2016 and it was removed because no such debt exist, then XX/XX/2016 this {$240.00} amount was added back. I disputed again and it was removed again and now XX/XX/2016 their affiliate Wakefield is attempting to collect on a false debt they know does not exist. I need these companies to be held accountable for their false practice and I want other consumers to be aware of unfair practices such as this so they will not be a victim of bullying by a debt collector such as XXXX. and Wakefield and Assoc. I want this company to stop harassing me and trying to collect on a debt that does not exist and to accept that and stop trying to be vindictive in ruining an innocent consumers credit.
Product: Student loan

Filed an in-school deferment form. Called on XXXX separate occasions ( once initially to confirm form had be received electronically ( They confirmed upload function on the portal is broken, so I can't upload. Called the second time to confirm the mailed-in copy had been received. This was confirmed, and customer rep said they needed 14 days to process form. The third time was to inquire about why loans hadn't been placed on hold despite being outside the 14-day processing window. EdFinancial said the form was " expired '' without any elucidation and I'm unsure what about the form was expired since I sent it in and was just waiting for it to process. 

They recommended to re-send in the form. By this time, it has been 21 days since I initially submitted. The e-bill was sent 21 days ago and is due in ~4-5 business days. The timeline is horribly inefficient and leaves student borrowers hanging. 

XXXX. Please tell your student borrowers when a form is rejected or expired so we can know what to fix on our end ASAP. 
XXXX. Train your customer representatives to stop circumventing. Mine initially told me they didn't receive the form. Upon further questioning, they then changed their story to " the form is expired ''
Product: Mortgage

XXXX XXXX  mailed excess escrow funds of {$1500.00} to me in late XX/XX/2018 then increased my PITI payment from {$1200.00} to {$1200.00}. On XX/XX/XXXX I returned THEIR FORM, attached with a {$500.00} check which they cashed to cover the anticipated increase X 2.5. On XX/XX/XXXX I wrote XXXX XXXX  another letter stating XXXX XXXX  does not have my permission to debit more than the prior amt of {$1200.00} from my checking as they have more than enough money in escrow to cover taxes and insurance. They refuse and continue to debit {$1200.00} per month. They claim that I am trying to prepay my T & I and that they are trying to prevent any shortage. Every PITI payment they collect is PREPAYING the T & I and there is no shortage!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : EVERYTHING IS INCORENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies