23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. Account details in dispute : * Creditor or Institution Name : XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. * Communication records showing my relationship with this account. * Evidence showing that the account is valid and accurate. If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. Thank you for your attention Sincerely : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX XXXX  on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on my credit report.
Product: Mortgage

On XX/XX/XXXX I received a notice in the mail from Finance Of America reverse that my deceased mothers reverse mortgage was going to go into foreclosure unless I contacted them. I called them on XX/XX/XXXX and they instructed me to send an email to them stating that my deceased mothers estate had not yet gone to probate due to being held up in the courts due to Covid. I told them I could not apply for a mortgage in order to pay off their balance until my mothers estate and probate were settled in the courts. I got a response to my email generated from Finance Of America reverse that they would respond to me in 10 to 15 business days. They never responded to me.

Instead they want ahead with foreclosure without my knowledge without notifying me via mail or email.

I had to find out that the property went into foreclosure when I received two phone calls from realtors wanting to purchase the foreclosed property. 
My attorney states they applied for for closure through the courts on XX/XX/XXXX. On XX/XX/XXXX my refinance from XXXX XXXX paid off Finance Of America reverse the full amount.

That same day I received a phone call voicemail asking me to call Finance Of America reverse. I returned their call XX/XX/XXXX only to find out that I owed attorneys fees in the amount of {$1500.00} and I needed to pay it that day XX/XX/XXXX by XXXX XXXX East Coast time or they threatened that my entire XXXX XXXX payment that had been posted to the reverse mortgage account would be sent back to XXXX XXXX  and I would have to start the entire XXXX XXXX refinance process all over again. 
I scrambled that day XX/XX/XXXX to get to a bank that could make an appointment to do a wire transfer for me. Had I not paid the {$1500.00} they threatened me that they would return my XXXX XXXX payment back to XXXX XXXX and I would have to start the entire XXXX XXXX process all over again. 

I do not think I was given proper notice by Finance Of America reverse that this property was going into foreclosure. The only notice I got was on XX/XX/XXXX via US mail that I had to take action which I did at that time by calling them up and sending them that email I described above. 

I feel I should get a refund of the {$1500.00} attorney fees returned to me. My attorney states I should not have had to pay the {$1500.00} attorney fees. 
My attorney states I should track down the attorney at Finance Of America reverse and report them to the state bar association.

The Finance Of America reversess company I dealt with was out of XXXX Michigan. The attorney for them is listed as XXXX XXXX XXXX XXXX. I need to find the attorney responsible for not appropriately documenting and notifying me this this property would go into foreclosure. 
I need to get a refund of the attorneys fees of {$1500.00}.
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 federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX  account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

I enrolled in the Income Based Repayment ( IBR or IDR ) on XX/XX/XXXX based on XXXX XXXX advice to have up to {$17000.00} of loans forgiven under the XXXX loan forgiveness program and a future opportunity for Public Service Loan Forgiveness ( PSLF ). Ive maintained employment with Title I public schools in an effort to obtain XXXX loan forgiveness after 5 years, yet now that Im finishing my XXXX year in XXXX XXXX I have been told if I take the XXXX  loan forgiveness, I will not be able to count any of the qualifying 60 payments towards PSLF. 

Ultimately, I decided to stay XXXX for a full 5 years at a XXXX XXXX institution after learning about the loan forgiveness options from my lenders. XXXX XXXX and Navient advised me to continue with IDR toward XXXX  loan forgiveness, but I never would have stayed employed with a public school if I had known about this discrepancy. My career decisions were directly related to how I was advised and counseled on my loan repayment options. I worked at XXXX XXXX XXXX for XXXX consecutive years thinking all along that I would have an opportunity for partial teacher loan forgiveness at the end, only to be told if I take that relief I will have to start 10 years of PSLF payments all over again. 

I now find myself in a payment plan known as the J-payment. Technically, this still falls under the IDR plan, but I never officially knew about my plan until XX/XX/XXXX. I fall into this category because my IDR plan lapsed on XX/XX/XXXX, and I defaulted to this new plan. This is just one example of how I have been misguided over the years and placed into various plans without adequate explanation. 


XX/XX/XXXX beginning of income driven repayment XX/XX/XXXX IBR plan submitted again ( not fully advised on what this meant for future payments or loan duration ) XX/XX/XXXX officially put into J-payment XX/XX/XXXX first payment in inactive J-payment plan since didnt renew Currently in inactive J-plan ( 60 months of payments made toward PSLF if I dont take XXXX  loan forgiveness )
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX XXXX XXXX i believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In the 2nd half of XX/XX/2013, I engaged Chase Mortgage for a loan modification ( Primary Mortgage and Home Line of Credit ). This modification was granted and resulted in lower payments than the original agreement. However, it took Chase over 6 months to fully process and get payments and documents caught up and resulted in 5 late payment reporting ( s ) from 30 to 120 days on mortgage and 1 late payment on HL account. Loan modification payments were made and I followed all instructions from the loan servicing agent ( s ), and all loan payments prior to initiating the loan modification program and after were in good standing.
Product: Mortgage

I am experiencing a financial hardship during the COVID-19 emergency and have requested a CARES Act forbearance. On XX/XX/XXXX, I submitted a written forbearance request to XXXX, the previous servicer of my VA backed mortgage. I did not receive a response, and servicing rights were then transferred to Carrington. On XX/XX/XXXX, I submitted another forbearance request through Carrington 's website. I did not receive a response. 

On XX/XX/XXXX, I called Carrington and verbally requested a CARES Act forbearance. I was told that I am ineligible, because I was delinquent on my mortgage prior to the coronavirus. Under the CARES Act, I am entitled to a forbearance regardless of delinquency status. U.S. Code, 15 U.S.C. 9056. Carringon has improperly denied my forbearance request and is not abiding by the terms of the CARES Act. I am asking the CFPB to require Carrington to follow the requirements of the CARES Act.
Product: Vehicle loan or lease

My car payment of {$400.00} is paid on time every month with an additional {$100.00} bi weekly I have set up independently with my bill pay from my bank account also. Each month I receive a statement from Td Auto Finance stating I have paid a total of {$500.00} and has been applied to my account. There is no break down of what was applied to interest or principal. I called to verify if my additional {$200.00} payment was applied solely to the principal. I was advised it was applied the next month 's payment between interest and Principal. I was then transferred to have the miss applied payments paid to the principal only. I was advised if I keep making over payments they will be applied to future monthly payments and not the principal. There is a total lack of transparency of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my case reviewed. Everything is explained in the documents that I attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent in a dispute to block trafficking related information from my Equifax credit Report. That request was XXXX pages and included : XXXX. A XXXX XXXX of Human Trafficking. 
XXXX. The information that I needed to be blocked. 
XXXX. XXXX Victim Determination Documents. 
XXXX. A XXXX Notice. 
XXXX. My Driver License. 
XXXX. Reasonable Accommodation Request. 

The trafficking - related information remains on my file in violation of my rights and is causing me substantial harm.
Product: Credit card

On XX/XX/XXXX, I learned my personal credit card and my husband 's personal credit cards were closed without any explanation. I've been a client of XXXX XXXXXXXX XXXX  which was merged with Capital One for almost 50 years. 

In fact, they declined a reoccurring health insurance bill. All of my bills are paid on time. All three cards are heavily used. My credit rating is in the XXXX. I earn and use many travel rewards. 

My husband I called personal credit card service to find out what was going on. I was told my accounts had been closed as capital one bank did not like the way I used credit card. A letter was in the snail mail. The decision is final and irreversible. I asked to speak to a supervisor and was told the individual could not pass me on. I asked for a number to an executive complaint line and was told no. I asked if pending charges would be approved. XXXX XXXX could not answer that question. Disgruntled I hung up. I called the business cred card customer service and received identical response. 

So, they advertised a reward program and I used it? Isn't that false advertising? Surely a warning could've been sent or communication could have existed. The customer service was pathetic and awful. 

After posting messages on Capital one XXXX page, I finally managed to get a complaint email. I have emailed them, XXXX and your organization.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, my personal information has been used fraudulently. Unauthorized inquiries have been made on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiries be blocked and permanently removed from my credit file. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/XXXX - approved for new Citi Double Cash credit card XX/XX/XXXX - still did not receive card so called. Recording asked for full social security number ( not just last 4 digits ). Recording stuck me in a loop as I don't want to enter my full social. Representative answered and also requested my full social security number. I said no and that I was fairly certain it was illegal for her to have that kind of access. 
XX/XX/XXXX complained via survey regarding the social security number issue XX/XX/XXXX complained via chat to Citi agent " XXXX '' as no follow up had occurred from Citi. XXXX logged a complaint report but did not advise if/when I would hear follow up and how my concerns about this security issue/breach of privacy will be remediated. I was provided with a case number - XXXX - but do not feel confident that Citi will take steps to protect its consumers.
Product: Credit reporting or other personal consumer reports

I am asking your help for this accounts as they are reporting inaccurately on my credit report and this has damaged my credibility as a customer. Please remove this as soon as possible.
Product: Debt collection

I received 3 voicemails today from this company on 2 different numbers that are listed to me. They were the same exact automated messages from phone numbers : XXXX and XXXX. I called the number back and it went to a Direct Recovery Services. Upon reaching a representative, they used several misleading statements that mislead me to believe that there are further consequences for not paying a credit card bill. The representative mentioned several times that she wanted to help me get into a " voluntary '' payment arrangement, which indicates the possibility of involuntary action in which this agency has no authority in doing so. 
The phone calls were automated calls to a cell phone without permission. The collector pushed for a payment today by using the word required when there is no requirement for me to get into an arrangement. The collector demanded a payment today, which overshadows the validation period of them sending me a letter and allowing me the opportunity to dispute the debt before demanding a payment today, and they verified my address so I know they have the correct address to send the paperwork to. 
President Trump has recently signed into law, the TRACED law in order to prevent these types of automated, misleading, and aggressive collection tactics and is increasing the amount of possible damages per phone call from {$1000.00} per call to {$10000.00} per call. After I already spoke to a representative, later on I received another call from a different number with the same voicemail that I already returned the call earlier that same day. Even when I do call them back, they still call repeatedly. I had more questions for the representative but she hung up on me once she figured out I wasn't believing her lies and threats and making payment today. Once there was no money, she hung up on me without even giving me the chance to finish my sentence. These collection tactics are some of the most aggressive and misleading that I've ever experienced.
Product: Credit card

I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days. 
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years. 
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.
Product: Credit reporting or other personal consumer reports

TRANSUNION has failed to grant access to my credit report available for more than XXXX weeks to include annualcreditreport.com, transunion.com, and XXXX
Product: Vehicle loan or lease

My husband and I bought a Mercedes XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, we paid off the loan in the amount of {$41000.00} as per their instructions. Mercedes claimed to receive the check on XX/XX/XXXX, and said we owe them {$220.00}. I called Mercedes Financial Services ( MFS ) many times between XXXX XXXX XXXX, to clarify this issue and request pay-off quote. About XXXX XXXX XXXX promised to send a pay-off quote. Nothing was issued. I called again on XXXX XXXX XXXX said that they are working on it. Meanwhile, our account on XXXX continuously stated, no pending balance, pay-off quote not available, account not eligible for payment, account closed document in process. I called MFS again on XXXX XXXX and MFS said that {$220.00} has been waived and thats the reason theres no pay-off quote because theres no pending balance and that we are in the process of issuing the title. No further payments are required as account is paid-off and closed. On XX/XX/XXXX we received our title. 
Anyhow, before I could advise my bank to cancel the check as we already paid and received our title on XXXX, XXXX cashed a check of {$220.00} by my bank on XX/XX/XXXX, and kept the money for themselves under false pretext, after we cleared and paid the {$220.00} as confirmed by their representative. MFS is supposed to refund that money to us. But now they lie that {$220.00} was never paid and it was a write-off. They provide no proof as they are definitely committing fraud to keep our additional money. 
XXXX supervisor named XXXX promised to investigate the matter. He never calls back after he keeps promising to call back. Everytime I call, they give some fraud about write-up without any proof. XXXX with MFS and MFS said that MFS lied about waiver and payment of {$220.00} received and they are keeping {$220.00} as additional interest. I asked them for documents, they sent me fraudulent document created on XX/XX/XXXX, to cover their fraud. No documents about any pending balance from XX/XX/XXXX till date have been provided. XXXX said Mercedes does not keep documents as proof. They will keep any excess amount they receive, even if it amounts to stealing because their internal department said, its a write-off they deserve. 
See attachment, no pay-off quotes were sent in XX/XX/XXXX. See statement by XXXX, XXXX XX/XX/XXXX, the balance was XXXX after our full payment including {$220.00}. See that MFS still kept payment of XXXX despite XXXX balance. They are stealing our amount of {$220.00}. 
See attached, I sent an email to XXXX XXXX, XXXX, Managers as marked on email. But no response, just automated to call MFS who lie about write-off and never call back.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/XXXX that this account is not compliant and consistent with all XXXX credit bureaus. And I also disputed that I was never 30 days late on XX/XX/2023. 
XXXX XXXX XXXX  verified that this information is accurate and complete.