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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

The company  General Revenue c alled me and asked to speak to me. I told them I was the person they were looking for. The representative immediately began asking me questions ( my home address, my date of birth, my social security number ). I asked what debbt she was trying to collect and she refused to answer until I gave her the information. I refused and she became very hostile. I hung up. I received a letter in the mail from the same company. I called to set up a payment arrangement. I told the representative I was still in college ( this is a part of a federal student loan debt ) and was not employed. I told her I could make small payments. She began to ask for my bank account details, social security number. She also wanted my husband 's employer information and his social security number. I refused and said could I just give her my payment amount and use my credit card. She got hostile again. I hung up and called the number back only to receive a fast busy signal. I do not think this is a vaild company. I see a lot of complaints online from other consumers. I will work to pay this debt off but I am not giving out all of my personal information to a company that is a potential scam and also abusive in their language.     Creditor : University  XXXX   XXXX   File  number :  XXXX  Amount owed :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a formal complaint for the mishandling of my report that has left me in dire calamity by the credit bureaus after multiple requests to have these accounts removed over the years to no avail. The most recent request was that I be provided with any verification or proof of the original contract for accounts that are negatively impacting my score and have not received anything, yet they have updated the account further impacting my score. This does not make sense when all three reports are filled with inaccuracies if the bureaus are claiming to have completed a thorough investigation as required by law and according to the FCRA, all information must be 100 % accurate or it must be deleted. 

Due to the data breach within the credit bureaus along with misinformation that is listed on these reports such as addresses I have never lived at, wrong social security numbers, wrong phone numbers and wrong names it is my strong belief that my identity has been compromised and that this information must be removed immediately as pursuant to 15 USC 1681c-2 ; consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 convictions of crimes 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

I hereby seek to exercise my full rights and demand to have the accounts listed below removed entirely from my report promptly. In addition, I am also requesting all late payments be removed from XXXX  loan 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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My address is not on my credit report it was wrongfully taken off from XXXX from a error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Request for Reinvestigation under the CARES Act and FCRA - XXXX Account Dear Sir/Madam, I am writing to request a reinvestigation of the information reported on my credit report related to the XXXX account ( partial account number XXXX ). I have noticed that the payment history reported by Experian is inaccurate compared to XXXX, which has correctly reported all payments as XXXX. 

Details of the Discrepancy : XXXX has correctly reported all payments as OK for the corresponding months, with no delays in XXXX, XXXX, XXXX, or XXXX of XXXX. 
Experian, however, shows late payments and reports the account as Derogatory, which is incorrect since all payments were made on time. Additionally, the account status is inaccurately reported by Experian.

Legal References : In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the CARES Act, I request the correction of these errors and the reinvestigation of this account. Specifically, I am relying on the following provisions : 15 U.S.C. 1681e ( b ) : Requires credit bureaus to maintain maximum accuracy in reports.

15 U.S.C. 1681i : Grants me the right to dispute inaccurate information and for Experian to conduct a reinvestigation.

15 U.S.C. 1681s-2 ( a ) and ( b ) : Requires information providers to report accurate data and correct errors.

15 U.S.C. 1681g : Guarantees me access to complete and accurate information in my file. 

Furthermore, the CARES Act covers the period from XXXX to XXXX, meaning all payments related to this account, opened in XXXX, are protected under the provisions of this law. Therefore, any information regarding late payments must accurately reflect my actual payment history and comply with the CARES Act requirements. 

I request that Experian conduct a thorough review, correct the mentioned errors, and update my credit report to reflect the correct information as reported by XXXX. I also request that you contact the information provider to verify and correct the data. 

I look forward to receiving a written response within the 30-day period as required by the FCRA. If the information is not corrected, I will consider taking legal action to protect my rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Myloancare support has been non-existent. I haven't even made my first payment on my loan yet and the company 's website is down, nobody answers the phone. Literally zero information provided. There are reports the company was hacked, but I have not received a shred of information on what has been compromised and what to do regarding payments. 

This is how the banking system in this country is allowed to operate. Zero accountability with the public left XXXX in the wind. 


XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2017 I applied for a mortgage with Guild Mortgage. I needed this approval in order to write a contract on a home I wanted to purchase. I did a complete application online allowing the mortgage company to run my credit. I also provided the loan officer all of my financials, tax returns, paystubs, XXXX, and bank statements. The loan officer was also provided a copy of the purchase contract from the builder, as I ended up writing an offer. I was never provided a copy of my loan estimate or disclosures, so they are in clear violation of TRID.The loan officer told me I was pre-approved and qualified to purchase the home. I gave the builder close to {$10000.00} earnest money and attempted to satisfy my approval conditions over the last 3 months which included paying off debt and liquidating funds from my 401k for the down payment. The home is new construction and is supposed to be complete in XXXX. On XXXX XXXX, I called the loan officer knowing I would need to update my financials, and found out he decided not to process my loan and had shredded my information. I was never informed of this and never requested them to cancel the loan. Now they are telling me since they did n't process the loan in XXXX upon my initial application ( which is also a violation ), I 'm not really approved and can not approve me at this time. I am going to lose my earnest money, penalties I incurred on the withdrawal of my 401k funds, and I have paid off liabilities that did not need to be paid off, which put my in a hard spot.I have tried to call the managers there, and they said there is nothing they can do. Unfortunately, the only paperwork I have is a prequal letter since they never provided my any further paperwork
Product: Student loan

The Department of Education, through multiple servicers has added arbitrary debt to my loan on multiple occasions, some as long as ten years after I had already left school. 
They are adding thousands of dollars at a time to my debt load without explanation and have done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Before these dates all records are missing. 
They have no records of the payments that I have made since XXXX. 
They keep adding to this debt and every time I try to submit a complaint with the Ombudsman, the Department of Education sends the complaint to the exact same individual working for my current servicer who continues to issue the same nonsense response every time. 
They say that I owe them tens of thousands of dollars, even though I have an approved application through Borrower 's Defense under Sweet V Cardona. 
They tell me that they have sent me multiple checks that I have never received. 
They say that I now owe for these checks. 
I am on an IDR plan with {$0.00} dollar payments, and have been paying since XXXX, over 20 years on an XXXX degree, but for some reason the debt remains and grows. 
I don't know what to do.
Product: Mortgage

We purchased our home in XXXX and the loan was modified in XXXX as we had difficulty paying about {$3000.00} monthly for house that we purchased at {$360000.00}. 

We received a letter from our present mortgage company, Mr. Cooper dated XX/XX/XXXX stating that XX/XX/XXXX marks the anniversary of the successful completion of your loan modification. Congratulations on reaching this important milestone This letter is to remind you of some very important changes that will go in effect on the above anniversary date. 

It also stated that an interest rate of 4.000 % would be applied starting XX/XX/XXXX and a monthly payment of {$2300.00} would begin from XX/XX/XXXX with a total number of payments of XXXX. 

I am attaching a scanned copy of the aforesaid letter. 

Our present mortgage company, Mr. Cooper, formerly Nationstar Mortgage, is trying to talk us into a refinancing agreement that will cost us more ( including a closing cost of {$3300.00} and an yearly interest rate of 4.75 % instead of 4.000 % ) than continuing with the term stated in the aforesaid letter from Mr. Cooper dated XX/XX/XXXX. 

I am attaching a copy of the recent communication from XXXX XXXX, the Loan Processor of Mr. Cooper dated XX/XX/XXXX. 

XXXX XXXX contact information : Email address : XXXX XXXX address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX ; FAX : XXXX In spite of insisting them to act according to the letter and emailing its copy, they are not honoring the commitments made in the letter. 

We would want them to go by Mr. Cooper 's letter dated XX/XX/XXXX word by word by ( i ) bringing the monthly payment to {$2300.00}, ( ii ) fixing the total number of payments to XXXX starting XX/XX/XXXX, and ( iii ) adjusting the extra payments we have been making since XX/XX/XXXX till to date. 

We feel helpless against these giant money lenders and seek your kind help in straightening up the matter so we are not unnecessarily prejudiced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them and they do nothing regardless of fraud. Equifax needs to remove anything negative from my account as I have flawless payment history and I should have flawless credit. Unfortunately due to their inept employees and outdated Infrastructure, nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some reported information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX from XX/XX/2019 when contacted they had no information for me and could not tell me why this is. I did not apply for anything in relation to this sort. While looking online it says XXXX XXXX but I have medical insurance for everyone in my family I dont need any extra. I have never recieved any mail or such in regards to this.
Product: Checking or savings account

I ca n't access my personal financial data via third-party apps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and Transunion immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Dovenmuehle Mortgage up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the XXXX  file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is. 

I contacted Dovenmuehle multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''. 

This is utterly ridiculous and is going to end up costing me percentage points and money. 

I need help, I tried all the ways I could and the manner it should have been handled and Dovenmuehle has seriously failed me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue since last year of 2021 in XXXX. And XXXX of 2021 no resolution. I did not authorize these inquiries. This company the only. Company that will give you a hard time regarding your credit report.
Product: Credit reporting or other personal consumer reports

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX Number XXXX. Specifically, late payments were reported for XX/XX/year>, which I believe to be inaccurate due to the legal protections in place during the XXXX pandemic. The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under XXXX regulations. XXXX. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a XXXX assistance plan, so the late payment information is inaccurate. 3. TILA ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the XXXX assistance terms, violating this requirement. I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the XXXX pandemic. Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a XXXX assistance plan. Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a dispute with CRA 's. The dispute was a detailed compliant about the information being reported on my credit profile.This particular account from World Finance is reporting inaccurate late payments. The Late payments are inaccurate from XX/XX/XXXX to XX/XX/XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation. 

World Finance Corporation incorrect information on my credit profile. The incorrect info is the late payment for XXXX of XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation.
Product: Debt collection

Please note that these folks at CBE Group XXXX may send you letters and call stating they are collecting a debt on behalf of DOD Department of Defense and then when pressed deny this and say it for  XXXX and then want to confirm you address. Watch out for these snakes scamming our military members. They tried to get me to pay by credit card to their XXXX XXXX in XXXX XXXX. Fraud is clearly what CBE Group they are about, shameful! FYI XXXX XXXX XXXX share tips about these sad persons gaining from the uninformed. I hope the CFPB shows some teeth to take these dishonest operator out of business. Just re-state there is no debt owed ; the DOD or XXXX will handle this with no 3rd party involvement! Please show some strength here to help others avoid this snake pit of dishonesty!!
Product: Checking or savings account

Hello, I have Opened 2 Account with bank of America, and the When i get bounced checks, they will charge me The fees of bounced checks and over drafts many times-maybe 5 or more times until i bring the balance above, and when I have compained about it they closed my both account.