23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan is with My Fed Loan XXXX Fed Loan Servicing The original loan was {$61000.00} from XXXX. I was told to consolidate my loans into one payment, and I was on forebearance for 2 years due to an injury. I began working for the public sector in XXXX and was told that I was eligible for student loan forgiveness= I registered with the Dept of Defense and sent over all of my documents to Fed Loan Then, during covid- the loans were frozen- nationwide- however - something happened and my loan grew to now almost a {$200000.00}!!!!!!!!!! Loan!!!!!!!!!! How can this happen This costs more than my mortgage. Because I work in the government my salary is already meager- but how can my loan quadruple- - when the government is 'helping ' us I have federal service for over 5 years now- who do I contact for the loan forgiveness program-? most of the HR departments are now being streamlined and are working from home- of-site- I cant afford the inflated over-charged interest and fees that have more than tripled the original loan. I graduated at the top of my class, struggling to pay bills, but still going to school full time... .where is the help for the original citizens of this country.
Product: Credit card

I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately. I have consistently made timely payments, and it is unacceptable to have this erroneous late payment listed. I urge you to update my account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert that my credit report was viewed by a company named XXXX 's on XX/XX/2021. This is an unknown company to me so I immediately locked all of my information across all reporting agencies. It took a while to research this company, but it turned out to be an out-of-state mail order shopping magazine. I have never heard of or seen this magazine, let alone applied for credit with them. I called the company and spoke with multiple departments and representatives, and none of them could verify any information, account or credit inquiry using any of my identifiers. They suggested that I dispute it with Equifax since they were the only reporting agency that this inquiry. I disputed this inquiry with Equifax on the same day XX/XX/XXXX. The report came back as factual on XX/XX/2021 and stated that this inquiry would not be removed from my credit report. The report also showed multiple soft checks/promotional account reviews from the same company and its entities ; all different names but under the same company umbrella starting as early as XX/XX/2021. A timeline of checks include : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( hard check/credit pull XXXX Again, all of these companies are under the same company umbrella using a mail-order shopping magazine. I called XXXX 's back again and spoke with a supervisor, who again stated he couldn't find any of my information and I should call their credit department directly the next day. I did so and spoke with 2 different reps for over an hour confirming that they had none of my info and no way to know if my credit was pulled from their end. One rep did say that their was a special department for this situation, but I would not be allowed to speak with them and they could've and possibly sent a false verification back to Equifax verifying my info. He stated that he would have their credit department send a a letter to Equifax stating the incorrect verification and confirming that an inquiry was never solicited on my behalf. That letter was obviously never sent, because this inquiry is still on my report today. I disputed the same inquiry on XX/XX/2021 and Equifax resolved the dispute the same day still saying that it is factual. There is no way Equifax could have researched or looked in this incident and still found it factual based on the response of the company. I believe there is fraudulent activity under my name and with both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Product: Vehicle loan or lease

I rented a vehicle from Dollar Car Rental on XX/XX/year> and returned the vehicle on XX/XX/year> with the vehicle refueled. A receipt was obtained from the gas station. A fuel surcharge was levied on the vehicle and Dollar said that they would issue a credit to the XXXX card which they eventaully did after I finally obtained their unpublished Billing Phone Number XXXX ext XXXX after numerous calls to their published numbers. 

Their phone messages say to submit the receipt but do not tell the consumer where to submit the receipt. This is a poorly disguised attempt to gouge the consumers and then make them jump through hoops to have the surcharge credited back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that are not mines.XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, BANK, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ANY MORE.
Product: Debt collection

I received a credit monitoring alert regarding a collection for Midwest Recovery Systems in regards to a payday loan in the amount of XXXX from XXXX XXXX XXXX.   I was never notified via phone, email, or mail of this debt to dispute this. This debt also is over 10 years old and the company XXXX XXXX XXXX notified me via mail this debt was forgiven over 10 years ago due to how it was obtained without my knowledge. Midwest Recovery somehow got a hold of this non-debt and is attempting to collect illegally let alone report it to the credit agencies without notifying me first. Per my XXXX report it was opened on XX/XX/18 and reported on XX/XX/18 and i got a notice from my credit monitoring on XX/XX/18. I have filed a XXXX complaint and will be contacting my lawyer once I receive notice from this company of validation of such debt and when I was notified as I was not.
Product: Debt collection

Alliant Capital Mgt Co. XXXX original acct # XXXX internal acct # XXXX   Company took out twice the amount from my bank account as agreed in my original settlement agreement ; causing my bank account to go negative and causing me to miss work because I have no way of paying for transportation costs to get to work. 

I spoke to company representatives on XX/XX/18 and was told that the money was " immediately '' being returned to me account, then they told me that the amount was only " pending '' and would not affect my bank account. Then on XX/XX/18 was told the monies were taken and they had no idea when it would be returned. 

I expect the remainder of this debt to be forgiven based upon the repeated false statements and violations being taken against me and the irreparable harm I have undergone and continue to be faced with. I do not know when I can return to work because I am broke because this company took {$620.00} from my account twice in the same day and they are still saying they didn't do it ... My account is overdrawn over {$220.00} at XXXX Bank.
Product: Credit reporting or other personal consumer reports

IVE RECEIVED MY CREDIT REPORT AND NOTICED SOME IN CORRECT ACCOUNTS REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted documentation proving that three items should be removed from my credit file. XXXX and TransUnion refuse to remove them and have stated that they were " verified as correct ''. The letters provided clearly show they should be removed. According to the Fair Reporting Act, they are not abiding by the law. These are XXXX XXXX for XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Mortgage

I fell behind on my mortgage and I reached out to Chase for help to avoid foreclosure. Chase put me on a repayment plan to get me back on track. The repayment plan started on XXXX the first payment was to be made. I have made my payment for XXXX, XXXX, and the XXXX payment is set to be drafted from my account on XX/XX/XXXX. However, with all the payments being made I got a letter from a attorneys off from chase saying that i am sechluded for foreclosure because they did not receive papers signed by me stating that I accepted the repayment plan. I called Chase and spoke with a lady by the Name of XXXX XXXX and she stated that she did not understand why they kicked me out of the repayment plan cause she see where all the documents were received and all payments are being made. The agreement was received on XXXX and it states that the agreement takes affect once the first payment is received and the first payment was received in XXXX and the second one in XXXX now in XXXX they are telling me they did not get the signed agreement. The have the agreement and all payments have been made. Please assist me with this matter because I have only 3 more payments to get back on track with my mortgage. Thank you
Product: Bank account or service

I made a deposit of {$1300.00} in a mix of {$2.00} bills, {$1.00} coins, and {$.00} coins right before XXXX. However a few weeks later my online banking account said that I had a withdrawal of {$300.00}. I called to check with the bank as I had barely touched my account since the deposit. It turned out that the deposit that I had made was incorrect? I keep on getting pushed off to the bank manager then to customer service phone calls and vice versa. I counted every coin into every coin wrapper, so I should know if I was {$300.00} short. Plus it said that I was {$.00} short which does n't make sense at all considering I only deposited {$1.00} and {$.00} coins.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I had a savings account and a checking account with Bank of America. I went to use my debit card and the transaction would not go through. Now extremely frustrated I spent hours on hold only to be transferred and hung up on finally I spoke with a representative who transferred me to client protection where I was told that my accounts had been closed and that they would get back to me when they completed their investigation. They would not tell me why or give me any other information. So, I went to the Bank of America branch where I had been working with a relationship manager in setting up accounts for clients that I have in conjunction with the Deputy Director of The Department of Economic Security who together we helped clients who could not navigate through the process for many different reasons receive their PUA Benefits. All of which signed releases of information, financial agreement 's, and power of attorneys so they could deposit their first checks into my account and I would disperse the funds to them as needed and then I would take them into the Bank of America branch and the relationship manager would open new accounts for them in their name and I would transfer whatever funds they still had with me into their new account and all future payments would be direct deposit. I always went back to the same individual at Bank of America and had asked prior to doing this if it was okay with Bank of America and was told by this same person " We wont have a problem with it. '' Well apparently she was wrong, and this has gone on for just over a year. I called today and was told that it is still under investigation. I told the Representative to go and look at our company website where we have pictures posted of giving an award to the Deputy Director of the Department of Economic security for his and his assistants help in changing lives for the better which is what I strive to do every day in helping my clients fight XXXX XXXX. This is not right one of the deposits that they are holding was my direct deposit paycheck! How can that be investigated. 
Please help me get this resolved, Best regards
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to an error in credit reporting by Toyota Financial Services. My auto loan account ( No. XXXX ) has been wrongly reported as " repossessed '' on my credit reports. Contrary to this, the loan was paid in full, adhering to the agreed terms. The accurate status should be " Paid as Agreed. '' This incorrect reporting has negatively impacted my credit score and has significant implications for my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

* Account Number : [ XXXX ] Account Name : XXXX XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under [ XXXX XXXX XXXX XXXX reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

The servicer, Rushmore Loan Servicing is stating that the investor wants {$25000.00} down payment before they will modifiy the loan for a three month trial period. It was declined when we could n't come up with the payment we offered to spread out with the trial period payments. Initial down payment we could do was {$5000.00} that was declined. Then we offered {$15000.00} down payment to be spreadout in three month with the trial period payment. XXXX, who is the contact representative with Rushmore said she spoke to her supervisor's-supervisor and said that the investor said no that they need the entire {$25000.00}. My Home is currently in foreclosure and assigned to there Attorney. XXXX
Product: Debt collection

Amsher Collection Services placed an collection on my XXXX Credit report for XXXX with out debt validation
Product: Mortgage

In XXXX 2016 I requested and received a payoff letter from XXXX for the mortgage on my home in XXXX XXXX XXXX Florida. I received a payoff letter dated XXXX XXXX, 2016 that indicated a payoff amount of {$210000.00} valid through XXXX XXXX. I wired {$210000.00} from my account at XXXX in XXXX on XXXX XXXX to XXXX XXXX as directed by the payoff letter referencing my mortgage account as the beneficiary of the wire.I then waited for the payment to be processed and the mortgage released. Instead of a release of my mortgage I received a letter from Ditech Financial dated XXXX XXXX indicating I owed Ditech Financial an additional {$750.00} for a shortage. I paid the amount required by XXXX. 
Apparently XXXX sold my mortgage to Ditech and nevertheless issued the payoff letter indicating the amount due. XXXX acknowledges the receipt of my funds on in full on XXXX XXXX. XXXX has repeatedly indicated they can not help and refer me to Ditech. I have called Ditech repeatedly over the ensuing months explaining my situation sending copies of the payoff letter and wire confirmation and do not ever get a return call or any help what so ever. 
Most alarmingly Ditech has now put me in default and threatens foreclosure. I NEED HELP!!!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and Experian are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to Experian, XXXX, and XXXX, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.
Product: Credit reporting or other personal consumer reports

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 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo has not responded at all to my emails to them
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX  XXXX Balance Owed : {$230.00}.