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

1. In accordance with the Fair Credit report Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/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
Product: Mortgage

Green Tree/ Ditech are holding up my loan modification. They put me in a streamline modification and never sent me any info of contract or forms to sign. Told me after I pay the XXXX payments I will receive papers. I owe less than 15 yrs on mortgage and told me the streamline would put me in a 40 yr. I only owe about {$6000.00} in back mortgage payments. I told the loan modification agent I want to apply for HEMP which will be better for me. They told ( me after XXXX applications that conveniently continue to miss only the important page of income verification ), that I did n't qualify. It was like pulling teeth to have them give me a reason why, which they eventually stated they were missing my proof of income again which was untrue as I had prior phone call with agent verifying they had all papers needed. Then they claim I was denied because I did n't live in a designated area. No such requirement!! They finally admitted I was approved for HEMP but they determined I was better served to stay in streamline modification. Really!! They refuse to send me any written info on my HEMP application. They want me locked into a 40 yr mortgage with all service charges, late fees and what ever bogus charges they choose to tack on without letting me know in writing until I 'm locked in. They are obviously blocking all applications for loan modifications by losing papers, not sending timely documents for me to sign, dragging their feet and giving false information. How can a government program be left in the hands of these crooks. I say follow the money and there 's no way the government does n't know what 's going on. Desperate home owners are being forced into a streamline mortgage which is basically restructuring the loan to be extended XXXX the original time left on a mortgage.Forcing an applicant to agree to all the hidden terms until the owner is locked in. It states on the info on the government web site that if a homeowner is offered the streamline it is a great benefit to apply for the HEMP modification as it can greatly reduce interest and additional cost which would be added if one stayed with the streamline. It states that one has only 30 days once the applicant is approved for streamline and paid the first XXXX payments on time to apply for HEMP. So why does Green Tree refuse to allow the applicant the ability to apply for the HEMP. The agents repeatedly claim the streamline is so much better and you do n't need to do anything just make your first XXXX payments. They even lied about when the payments were due. If I had n't been pro active and investigated the actual date payment due I would have been 1 week late. I would have lost my home!!! Green tree/Ditech have no interest in helping the home owner, only how to steal your home for XXXX on the dollar or have you be locked into a high interest mortgage plus extra charges for 40 yrs. Seems like loan shark tactics. I need a good lawyer to look into whistle blower class action law suit. If one see this, I have all documentation and records of dates times and names etc.
Product: Credit reporting or other personal consumer reports

I recieved a copy of my credit report and noticed XXXX accounts on my credit file that i never appled for and never used. These accounts are fraud and needs to be removed from my account.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX SoFi RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Product: Checking or savings account

I was alerted that a bank of america account was made under my name in mid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have 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 168b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Because of your inaccurate statement of my credit record, I am suffering damages including the inability to obtain credit. You have failed to comply with the law and must remove the items from my report immediately. If these late payments are not removed within 7 business days, I will have no choice but to report you to the Federal Trade Commission and advise them of your disregard for Consumer Protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX  XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my credit health.
Product: Debt collection

Dispute Letter to Amsher Collection Services XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX 

XXXX MI, XXXX XX/XX/year> Amsher Collection Services , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX NMLS # XXXX RE : Account Dispute and Request for Validation Dear Amsher Collection Services, This letter is to formally dispute any and all debts you claim I owe. I am writing in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681-S 2 ( 7 ) ( a ), and Regulation E, 12 CFR 1006.34.

Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( a ) ( 1 ), I demand written verification of this alleged debt. This verification must include the following information : The name and address of the original creditor. 

The amount of the debt. 

The date the debt was incurred. 

A clear explanation of the charges. 

Verification that Amsher Collection Services is the current legal owner of the debt. 

Request for Purchase Agreement If Amsher Collection Services has purchased this debt from the original creditor, I request a copy of the purchase agreement under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Proof of Licensure and Bond Before I can further discuss this matter, I require proof that Amsher Collection Services is licensed and bonded to collect debts in the state of Michigan, as mandated by state law. 

Cease Communication Furthermore, I revoke all prior consent given to Amsher Collection Services to communicate with me via phone calls, text messages, or email. All future communication must be done in writing through certified mail, return receipt requested, to the address provided above. 

I expect a response to this letter within 30 days of receipt, which should include the requested documentation and confirmation of my communication preference. Failure to comply with these requests or any violation of the FDCPA will be reported to the Federal Trade Commission ( FTC ) and the Michigan Attorney General 's office. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

An employee called and also text me outside of work by violating my rights and threatened me through a text that's listed below. He continued to call and make threats. There were also false information reported on my credit and according to FCRA law 605 you could not report or call out of term and make threats.i have been receiving calls from different numbers outside of the work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment is due on XXXX of each month. 
Payment due XX/XX/XXXX was made online, on creditor 's ap, on XX/XX/XXXX for amount due of {$110.00}, 8 days after payment due date. 
On XX/XX/XXXX creditor reported payment delinquent 30 days for XXXX, XXXX. This must be immediately corrected to ON TIME, Creditor reported account status as " Current, was past due 3 times ''. This must be corrected to " Current, was past due 2 times '' XXXX auto loan On Experian XX/XX/XXXX reported account status as current however payment summary for XXXX, XXXX reported 30 days late, should be current. XXXX payment is due XX/XX/XXXX and payment was made on XX/XX/XXXX. XXXX, XXXX payment summary must be corrected to current immediately. 

XXXX auto loan on XXXX- on XX/XX/XXXX reported to XXXX loan balance was {$22000.00}. This is incorrect, balance is {$21000.00} ( correctly reported to other credit agencies ) Balance must be corrected. 
Status reported " not more than four payments past due '' - Loan has never been 4 payments past due. Status must be corrected to show current immediately,
Product: Credit reporting, credit repair services, or other personal consumer reports

A Chapter XXXX bankruptcy filed in XX/XX/XXXX was discharged in XX/XX/XXXX after the obligation had been met and removed from all Credit Reporting Agencies in XX/XX/XXXX.

A recent credit card application was denied and bankruptcy was used as a denial reason. I called the Business twice and was informed that the bankruptcy information was not from a Credit Reporting Agency but from their own " personal history file '' provided to them from an unknown affiliate which could not be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX XXXXs furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete these accounts immediately from my consumer report.
Product: Credit card or prepaid card

Originally told over the phone I would receive the XXXX sign up bonus on XX/XX/XXXX when opening my XXXX XXXX XXXX card. I have been fighting with them as they refuse to honor this phone conversation with one of their representatives. I have spent months calling and chatting with them regarding this between XXXX to XXXX. Finally On XX/XX/XXXX a chat representative offered me XXXX Skymiles to make up for this, I have screenshots and this offer is still in the chat, they asked me to open a dispute for this on XX/XX/XXXX after nothing for a month. Now, today on XX/XX/2021 after having to call in the past few weeks to get a response to this they are now refusing this that they have offered as well!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to remove inaccurate items from my credit report, despite my repeated disputes. The items in question are not mine, and although Experian has marked them as verified, they have failed to provide any supporting documentation or proof as required under the Fair Credit Reporting Act ( FCRA ). This violates 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), which mandate thorough investigations and reasonable procedures to ensure maximum accuracy. XXXX failure to comply with these legal obligations has caused significant emotional distress and financial harm to me and my family, including denied credit opportunities and increased stress from unresolved disputes. I request that the CFPB take action to compel Experian to immediately remove the inaccurate items, provide verifiable proof of any future verifications, and investigate their noncompliance. Attached to this complaint is any supporting documents and any responses received from Experian. I urge the CFPB to act promptly to ensure XXXX adherence to the law and prevent further harm.
Product: Credit reporting or other personal consumer reports

I accessed my credit report and noticed hard inquiries and permissible purpose according to 15usc I also attached my hard credit report can you please investigate these hard inquiries XXXX XXXX XXXX delete this hard inquiry, XXXX XXXX XXXX delete this hard inquiry, XXXXXXXX XXXX XXXX  XXXX delete this hard inquiry, XXXX XXXX please delete this hard inquiries
Product: Student loan

I have submitted a XXXX Loan Forgiveness Application to Navient back in XXXX. My loan is with Navient for attending XXXX University. Since then until XXXX they sat on the application with no approval or disapproval and did not contact me on status but instead made excuses it was being processed. In XXXX, they told me it was denied because the signature on the form did not have the title of the person attached ( pety because it is understood by document what title person held ). was told to make changes and resubmit which I did. Since then, I have once again been denied because of a different section that was told was fine before is now incorrect because I checked off more than one option, when it clearly states to check off ALL that apply. It 's now been 6 months since first submission for easy form application but continuous denials for erroneous reasons.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was at the XXXXXXXX XXXX attempting to get an 15-minute covid test through XXXX XXXX XXXX It is a chaotic situation as there are many travelers trying to avoid test results that will be approved by certain countries. To obtain a test, one must first log on their site via a XXXX XXXX and input data. There were two locations in the front of the lab to capture the XXXX XXXX I used one and started to input information including my credit card and when I was unable to click on a test time, an employee looked at my phone and said that I didn't have the correct website and she handed me her tablet to log on directly. Within a few minutes I get a {$1.00} charge from XXXX and I knew I needed to call CitiBank to explain and shut down my account. I was explaining the situation with Citi and then I get a second charge while on the phone from XXXX in the amount of {$1.00}. The Citi representative reassured me that she would take care of everything and she would send out a new card. I got the new card and on XX/XX/XXXX, I received a charge for {$39.00}. ( I get text notices when my card is used ). I immediately called Citi and I think I had to call I another branch at Citi. Since I called Citi several times and instant messaged them one time, I can't provide accurate dates because I didn't think I would need to fight this. Apparently Citi treated XXXX as an approved reoccurring merchant so they finally unlinked the first account and provided me another card. I was again reassured that I didn't have to pay for this XXXX XXXX hijack scam. Yesterday. XX/XX/XXXX, I see that the dispute has not been settled so I called Citi again. I was told to call ( XXXX ) XXXX and I went through the whole story and I got disconnected. I called back and spoke to XXXX who explained that the dispute didn't get filed under the correct credit card account and so basically nothing was happening. She said she would fix it and it could be solved in 3 weeks but could be as long as 2 months. She asked me a number of questions that I had already answered and she suggested I file a police report, which I filed with the County of XXXX yesterday ( XX/XX/XXXX ). My irritation increased when she alluded that I agreed to this charge. I explained that I actually went back to see the XXXX XXXX posted at the lab after my husband went through XXXX and it was gone and I had 2 witnesses if she thought I made this XXXX XXXX hijack up. If I wanted this charge/service, why did I immediately call Citi and cancel my card? Why would Citi approve a charge from a scammer that I already disputed with ( the XXXX XXXX and the {$1.00} and Citi agreed with me ) on a new card? And full disclosure, I did not contact XXXX but I found them on the internet and saw postings about them being a scam. I didn't call them because I wanted to avoid additional contact. Regarding Citi, I am not confident this will be addressed properly. 
Below I included screen shots of the texts I received to which I called Citi immediately. However, the late night notification on XX/XX/XXXX the CIti site was down a bit and I called after midnight.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things, are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ ( XXXX XXXX XXXX XXXX & [ XXXX XXXX XXXX ], & XXXX XXXX XXXX are not complete and accurate, Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts is not a Accurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as well as credit checks, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I have been calling in to pay my XXXX Preferred Account bill which is with Paypal Credit, they would not let me pay online anymore. At first I had to call every month to make a payment, then in XX/XX/XXXX they told me they could set it up for automatic bank draft for 6 months and then I received a letter XXXX XXXX XXXX was being bought out by XXXX XXXX, and after XX/XX/XXXX, my payments would need to be changed. On XX/XX/XXXX, they did not take out my payment which I had scheduled in the amount of {$80.00}, even though my min payment was XXXX. They then sent me a bill for XX/XX/XXXX and charged me a late fee of {$27.00} and now want my payment for May which was due on the XX/XX/XXXX and for XX/XX/XXXX which is not due until XX/XX/XXXX. They refused to give me credit of the {$27.00} unless I pay them the total minimum due of {$130.00} as of today XX/XX/XXXX. I have  been faithful in making payments to the company, and I also had a Bill me Later account which was separate, the Bill Me Later Compnay closed my XXXX account for no reason except, that they said my bill came back to them, even though they received my monthly payment? What is going on? I also had a Bill Me Later Account, and Now PAYPAL is saying I have to go online to pay the bill. I also have the Bill Me Later which is now Paypal also and changing to the same Company. This is PAYPAL doing this to me and I have not received my billing for PAYPAL and I am very upset that I made advance payments and the company did not give me any notice as to the change except to be effective XXXX XXXX XXXX. This is not fair and I feel that I do not owe the {$27.00} late fee because the company did not do as we had verbally agreed to on the telephone. I am willing to pay the payment which was due in XXXX, but not to advance them the payment which is not due until XXXX XXXX XXXX, nor pay the late fee. This company has to be stopped and they are  probably ripping off many other customers My XXXX acct is now scheduled with a payment due on XX/XX/XXXX in the amount of {$130.00}, previous statement minimum payment was {$65.00}, which is the only amount that I owe. This company has fraudulently not processed my payment and has placed a fee on my account which I do not owe of {$27.00}. Please contact me with a follow up as to this situation. I do not know if my Paypal account is doing the same thing, I am going to call them this evening. According to my letter dated XX/XX/XXXX, I will no longer be able to make a payment through paypal or Customer Service and the only method to make a payment will be via Mail using my billing statement. No electronic or Internet payments will be allowed according to XXXX XXXX. This is not fair to any of us and this can be placed against my credit history and I feel that I may not be the only one who is being abused by PAYPAL.