23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Spoke to hardship counselor on XX/XX/year>, regarding getting loan modified because I lost my job. The modification was to extend the payments out from XXXXXXXX XXXX. and payments would be XXXX but I declined because I needed it lower. Then I noticed the terms of the loan agreement were changed like the interest rate, is 26.99 %, but I was given a 16.99 %, the loan payback was to begin 18 months after loan with 0 % interest during promotional period. 
I would never take out a loan for that high interest rate, short period of XXXX yrs., to pay back on a roof. Synchrony Bank baited and switched the whole roofing terms. 

I called Synchrony Bank today and spoke with another hardship counselor who offered me a {$9000.00} hardship payment to be broken into three payments and nothing else, I told her I couldn't afford that.

I asked again for a better payment plan and it was declined by counselor. 
I told her I can pay something but not {$660.00} per month. I'm trying to work with them but got nowhere. 

This is a scam company that shouldn't be allowed to treat their customers this way. I would have never agreed to the terms of the roof loan that they've changed from good to bad.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Service LLC. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting

credit bureau TransUnion not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXX with XXXX since XX/XX/XXXX till present2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Experian declared they contacted the company reporting the information an ( unnamed source ) verified the information. 

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy if this is not provided the bankruptcy must be deleted. Pursuant to FCRA, this information must be provided within 15 calendar days, if Experian does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to EXPERIAN, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

It is without dispute FCRA requires the furnisher of the information must ( in
this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX  DISTRICT OF FLORIDA, not a third-party agency to verify disputed information.

Attached is the investigation results of the Experian report and a copy of this document. 

Regards, Mr. XXXX XXXX
Product: Debt collection

On XX/XX/XXXX of 2020, I received a call from a number identifying themselves as a representative of MRS BPO , LLC asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with MRS BPO sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed MRS BPO an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as XXXX XXXX trying to collect the same debt. I am initially concerned that MRS BPO is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put MRS BPO on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with XXXX, taking additional time and money. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.
Product: Vehicle loan or lease

I am filing a formal complaint regarding Ally Banks failure to provide the necessary lien release for my fully paid-off auto loan and the inconsistent and unprofessional customer service I have experienced while attempting to resolve this issue. This is in regards to a XXXX XXXX XXXX. XXXX XXXX. I paid off my auto loan with Ally Bank around XXXX. Despite fulfilling my financial obligation, Ally has failed to confirm or provide the required XXXX release. 
2. On XX/XX/XXXX, I contacted Ally Bank, and they initially claimed they could not locate my account without my VIN. 
3. Upon providing my VIN during a follow-up call, I was told that my account had allegedly been sent to collections. However : No proof of this claim has been provided. 
The representative could not confirm how much was owed or provide supporting documentation. 
No collections activity has ever appeared on my credit report, nor have I received any delinquency notices. 

This delay and lack of clarity have caused significant inconvenience and prevented me from resolving my vehicles title with the Michigan Secretary of State.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account has different account numbers, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. This account is illegally reporting on my reports and I am requesting that this account is deleted from my reports now!
Product: Student loan

I submitted SAVE plan application XX/XX/2023 which was received by Aidvantage XX/XX/2023. 
Dept of Ed guidance said we would make one small payment amount in XXXX before making SAVE plan payments. 
In XXXX there was no small payment due and SAVE plan was still not processed through Aidvantage. 
I called Aidvantage and automated message said SAVE plan applications were still being processed and no action was needed on my part. 
In XXXX XXXX, received notification that my loan was 4 months delinquent. 
I called Aidvantage and was told that my SAVE plan could not be processed because I did not make a payment in XXXX when payments resumed. I was also told by Aidvantage all SAVE plans could only be completed over the phone. I was told by Aidvantage that I would only be aware of this by calling them and speaking to a representative. 
My loan is now 4 months delinquent and Aidvantage has told me they can not process my SAVE plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I will call my lawyer to file lawsuit.
Product: Credit reporting or other personal consumer reports

I Did not authorize these company 's to run my credit this is fraudulent! 
XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was not deducted from the balance and now is still showing a full balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Debt collection

On XX/XX/2019 diversified consultants started reporting information on my XXXX credit report which I knew anything about. This company had not sent me any correspondence saying that they are collecting a debt and my right to dispute.
Product: Bank account or service

In XX/XX/XXXX, I closed all of my accounts with Capital One 360 after it acquired ING Direct. Today, XX/XX/XXXX, I got a letter from Capital One telling me to log in and verify my account to continue to receive emails. This surprised me since I had closed all of my accounts. I called Capital One and spent an hour trying to find out what was going on until I finally got a supervisor who closed the account. However, when I asked to receive a written confirmation ( or email ) confirming the account closure Capital One refused to do so. I still have no confirmation that this account is closed, even though I have now closed it two different times. Apparently asking Capital One to confirm something is beyond their ability to provide, which is disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day ove 60 days later i hve not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days givesa reason to immediately remove those items from my credit report it has been over60 days aso they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you causedme. My information was also impated by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card

I contacted the customer contact center to discuss alternate payment methods. I went through an interview process discussing monthly expences. At the end, they concluded the amount owed vs what the income was, was higher, but they could not lower my payment. When I asked how that made any sence, if they see obviously the gap in income vs debt, the gentlemen in the collection area became defensive and basically told me its my own fault im in the position I 'm in, and they ca n't help. When I asked to speak with someone else to get another perspective, he refused. So I asked for his name so I can discuss with someone in their executive area, and he stated it was n't necessary and hung up the phone. How am I supposed to work with my creditors to honor my obligations when they act in such a manor?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted transunion, equifax and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same incorrect and incomplete information in the consumer file and consumer reports concerning me since XX/XX/XXXX. I sent follow up dispute letters on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX, and Experian has failed or refused to sent me investigation results. Experian has also refused or failed to delete information that I have provided proof of documentation as being incorrect. The Fair Credit Reporting Act requires Experian to ensure maximum possible accuracy in the information they compile and include in the consumer file and consumer report concerning me. The accounts I've disputed clearly have errors and are inconsistent from one credit reporting agency to the next, so no one can provide accuracy on those accounts. There's even companies whose names do not exist and are not registered to do business in the State of California, and therefore, must be deleted because I have no legal redress against them. They can not be served with a summons or complaint. I've tried locating their addresses and have not been able to. Experian has not provided me with their addresses. If they do not exist, Experian has no way of contacting them either, and the deletion of these tradelines should have happened months ago. Experian is willfully and intentionally in direct violation of the consumer protection laws and I am being damaged daily. I am suffering from defamation of character, being denied access to credit I would otherwise qualify for if it weren't for the incorrect and incomplete information, and I feel harassed by Experian 's failure to comply with the United States Code, Fair Credit Reporting Act, Code of Federal Regulation, and federal and state consumer protection laws. 

I demanded Experian provided me with a physical copy of the full disclosure of the consumer file concerning me pursuant to Fair Credit Reporting Act 609, and Experian has failed or refused to provide it. I sent this demand to their registered agent for process of service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA  XXXX to ensure that they received it. Notice to agent is notice to principal, and notice to principal is notice to agent. Therefore, Experian has received my disputes and 609 disclosure demand, and I have proof of it. It appears that Experian HAS IGNORED EVERY DISPUTE LETTER I HAVE SENT THEM.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My loan was recently transferred to a new mortgage lender known as Carrington Mortgage. Ever since this transfer Carrington Mortgage has been receiving my regular monthly mortgage payments and has refused to apply the additional funds sent with these mortgage payments to my escrow account. I have sent multiple requests made multiple phone calls and yet the company refuses to apply the funds accurately and correctly. Diring this month alone I currently have {$310.00} sitting in a suspended in a account in which I am unable to have moved over to my escrow account. My payment is due on the XXXX of each month but I have until the XXXX to complete the full payment for the current month. Upon making these requests I had to had to reach out several times to make numerous complaints about these additional funds I sent not being moved to my escrow account. I advised my current lender that I am not late on my mortgage payment and therefore have the right to have the funds in which were submitted to them, applied accurately and correctly. This is been an ongoing battle with our to my mortgage account. I was provided misleading and inaccurate information multiplte time and I believe this company is violating my rights underneath the Real Estate Practices Act.  In addition to the mismanaged of funds, when I asked for a comprehensive breakdown of my payments ; a detailed loan history as to where my funds were being applied and where they were being held, along with what my regular monthly mortgage payment was I kept getting misleading and inaccurate information Everytime. I've complained to Carrington Mortgage that my current mortgage statements are not matching the application of my payment throughout the online portal in which they provide as the payment history is showing unclear payments and different amounts than what's being submitted. I am extremely concerned as I believe Carrington Mortgage is inaccurately and illegally misapplying funds with an intent to manipulate these funds to embezzle money. This company should not be allowed to conduct business as a mortgage servicer until they can ensure consumers are provided accurate and complete payment records. Please investigate this issue further as I believe as a homeowner I shouldn't have to fight my mortgage provider for this information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Account Information request for deletion - ONEMAIN Automobile Loan I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to dispute incorrect information regarding my ONEMAIN automobile loan, account number ending XXXX provide over the phone by their customer services which has been inaccurately reported to the credit bureaus. 

I have noticed significant discrepancies in the way this account is being reported, and I request a formal investigation into these inaccuracies. The account is reported incorrectly across all three major credit bureaus ( XXXX, XXXX, and XXXX ) in the following ways : Discrepancies in Remarks : XXXX shows the remark " Profit and Loss Writeoff. '' XXXX shows the remark " Charge Off Account. '' XXXX shows the remark " Unpaid Balance Reported as a Loss by Credit Grantor. '' If different credit bureaus report different remarks for the same account, it may indicate inaccurate or inconsistent reporting, which could be a violation of the FCRA. Inconsistent remarks can confuse consumers and creditors and lead to an unfair representation of an individuals creditworthiness. 
Discrepancies in the Last Activity Date : XXXX reports the last activity date as XX/XX/XXXX. 
XXXX reports the last activity date as XX/XX/XXXX. 
XXXX reports the last activity date as XX/XX/XXXX. 
These dates are not consistent and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), which mandates that consumer information be reported accurately.

Discrepancies in Payment History : XXXX reports no late payments ( XXXX ). 
XXXX reports XXXX XX/XX/XXXX days XXXX XXXX reports XXXX XX/XX/XXXX days XXXX The significant differences in payment history between the credit bureaus indicate inaccurate reporting and should be corrected to reflect the true payment history. 
Discrepancies in Remaining Balance : XXXX and XXXX both report the remaining balance as 0 %. 
XXXX reports 46 % of the balance remaining. with all this is account keep being update each month with a charge off month after month affecting more on my credit and financial causing destress