23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am in repayment of my Federal Student Loans. My loan processor is MOHELA. They sent me a bill that showed an incorrect amount due in XXXX of XXXX. I advised them on XX/XX/2023 via web message on their web site of their error and explained that under SAVE payment plan my bill amount should be less as I my spouse repays her Federal student loans under SAVE plan as well. MOHELA acknowledged their error and promised to correct it. In XX/XX/2023 they, nonetheless, sent me another bill showing the same incorrect amount. I sent another web message on XX/XX/2023 to them asking them to correct the amount due. MOHELA ignored my message and as of today, XX/XX/2023, have not responded to my request at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting on my file are fraud. I've sent in my etc report. They we're supposed to block and remove the accounts within 5 business days. they haven't done so. As of " 15 U.s. Code 1618c-2 '', they are violating the law and my rights.
Product: Credit card

On XX/XX/2016, I received a dunning letter signed by an attorney on Blitt and Gaines , P.C . stationery. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit on XX/XX/2016 against me within the thirty ( 30 ) days. I have had to defend in court while another Blitt and Gaines attorney continues to send dunning letters without proper validation. In court, the attorney for plaintiff is shifting the burden of proof onto myself.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from Experian, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability. 
I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than 30 days ago, I filed a dispute with Experian regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), no tangible progress has been made in resolving this issue. 
In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing. 
Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is inaccurate and are in clear violation of my privacy. This is embarrassing and damaging to my reputation as a consumer. As the consumer I deman the following account to be DELETED FROM my credit report immediately I DID NOT GIVE ANY WRITTEN INSTRUCTIONS to have this accpunt on my consumer report. 
A consumer has the right to privacy They are in violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with transunion and they asked me to follow some steps and send them documentation that shows that I have completed those steps to address my identity theft and the fraudulent accounts on my credit report. I have sent those documents by certified mail to them and I have also attached the documents here
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes to Equifax on XX/XX/XXXX. XX/XX/XXXX I received a letter regarding my disputes. The disputes state that all disputed items are accurate. However, that is not the case at all. The disputes are not accurate in the least. The dispute response 's do not include account numbers or names of each item disputed for each dispute. I made sure to include every account I was disputing. Equifax has failed to provide each account number per each dispute. I have the right to know what account is not accurate and Equifax failed to do so. I am wanting a resolution to this, and also I want to any inaccurate items removed from my credit report. All accounts disputed came back with the same dispute response as well, and I quote " INQURIES ARE FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. This information is false. I submitted 45 disputes. All 45 disputes were NOT all hard inquiries. The disputes are also related to other accounts which are NOT inquiries. I demand the removal of all hard inquires and a detailed response from all furnishers in regards to these inquires. Furthermore, I request that all hard inquires be re-investigated if not delated due to the fact that the inquires were made on the same day without my knowledge of multiple inquires of my credit from various companies. When I submitted my applications I specifically requested that my credit not be ran more than once and only to one creditor. apparently, my request was ignored, and now I face issues with my credit score. Again, I demand all hard inquires be deleted, and I want a detailed letter of how these inquires are justified and fair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Product: Payday loan, title loan, or personal loan

The SHEFFIELD FINANCIAL appears to be a charge-off account with a specific balance of {$17000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX Bureaus. As per FCRA, the XXXX, XXXX and XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Credit reporting or other personal consumer reports

Experian has allowed for these company to report accounts that are not me from victim of both identity theft and XXXXXXXX XXXX victim. Ive disputed this before and they remain. Ive given all documentation for these items to be blocked and removed
Product: Payday loan, title loan, or personal loan

I took out a {$4000.00} loan from Mariner Finance on XX/XX/2017. Upon paying my first monthly payment of {$170.00}. Only {$50.00} was credited to my balance. I called and asked why. I spoke to XXXX at the office who is the Asst, Manager, he told me that I have a Per Diem of {$4.00} per day. Then Later said my Per Diem was {$4.00} per. I asked him why was n't I informed of this and he stated that that 's how the company works. In total i was told that my loan of {$4000.00} was going to technically be paid dollar for dollar making my total owed to Mariner finance {$8400.00}. 
I was not informed of any of this, nor was i informed that I would be paying over {$8000.00} in the long run. 

Lastly, Mariner Finance put a life insurance policy on me and stated that they loaned me {$4500.00}. But the loan was on {$4000.00}.
Product: Debt collection

Over a year ago I got a loan for a hearing aids with XXXX XXXX with the addendum stating if I pay in a year will be no interest. I authorized XXXX to withdraw more money monthly to pay off before the year was over however I noticed that this company were withdrawn {$2.00} to {$4.00} daily which was not the agreement, I was getting worry about this XXXX XXXX  and XX/XX/XXXX I paid it off, I have a print out prooven my statement. I called XXXX XXXX several times to be sure everything was ok. The company closed my account after I paid off the debt. Last night I saw my account with this company open again and demanding more money to be pay in XX/XX/XXXX. 
Looking at XXXX 's reviews for this XXXXXXXX XXXX Hearing XXXX I saw just terrible reviews with the same issues as mine. How a company like this is open screwing everyone? Please help I am not rich I am a health employee helping people all the time and I can't give my working money away.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has illegally reported information to the credit reporting agencies and I have repeatedly asked for the removal of such information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial XXXX  which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a doctor bill from my XXXX XXXX  child. The XXXX we see also did the XXXX  at the hospital. There were bills that looked the same and we did not get one of them paid. It went to collections. After sorting out with the XXXX   company I paid the debt in collection. The collection company does not recognize it as a mistake and is holding my account on my credit. This is harming me for getting a mortgage. They are very rude and non forgiving. It was a honest misunderstanding by both parties.
Product: Mortgage

My payments of my mortgage is not being processed properly and it looks like my account is again falling into arrears incorrectly. This is very frustrating that TD Bank is again unable to properly process my payments.
Product: Debt collection

Debt was resolved in XX/XX/2019 and debt company ha not removed or Will remove from credit core
Product: Mortgage

To whom it may concern.

My loan was sold to Rushmore loan management services since XX/XX/2022. I started sending paperwork to them explaining that I am a veteran rated at 100 % VA XXXX XXXX  and that I qualify for the Illinois homestead exemption for veterans here in XXXX XXXX. The county honor the taxes but i was told that i need to get the refund from the mortgage company. Rushmore does not want to acknowledge this information or if they are they are not in compliance with this law because they continue to refuse to tell me how much and when i can expect to receive the exemption. They failed to pay my property taxes for the year 2022 and are now keeping from earned benefits. They acknowledge they did not pay the taxes otherwise the county would have sent the check but because no payment from them the county can not do anything but tell me to get the refund from Rushmore. I been fighting them since XXXX for the refund and every time is the same excuse '' they just finished working on it and can't tell me how much or when i will be getting the check ''. I appreciate your attention to this matter in advance and i thank you for your time. 
Best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX {$1300.00} In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any purpose
Product: Vehicle loan or lease

Prestige Financial Services has been constantly calling me, threatening me and harassing me at my place of employment. I 've received calls from them on the following dates below : XXXX XXXX, XXXX ( 2 times ) XXXX XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I 'm making payment of the vehicle as scheduled but for so me reason, they representatives do n't communicate with each other on the status of my account so they take turns randomly calling and harassing me. This is causing me to be unproductive at work due to the constant harassment from them. They should NOT be calling me and harrassing me with threatening phone calls at my place of employment I need it to stop immediately. Thank you!
Product: Student loan

Callings all-day long. Customer service is rude.. never received paper work because I '. Unemployed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to temporarily lift a freeze on my Equifax report. I logged in through their web site and it says the request can not be completed. Try again later. This has happened multiple times. I tried to use their phone system and I spent time going through their phone system and I got to the a message that the request could not be completed. This is an ongoing problem with Equifax. I had no problem with lifting the freeze with XXXX and XXXX XXXX. Equifax 's system is broken and they gave me no way to contact a real person.
Product: Debt collection

I have made numerous attempts to have this issue resolved with Midland Funding regarding a negative charge off account on my credit file. I sent a letter to the company dated XX/XX/18 which included a copy of my ID theft report. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy.

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Subject : Dispute of Debt Reporting XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Dear Sir or Madam, I am writing to formally dispute the validity of XXXX accounts currently reported on my credit report. Please review the details below and take the appropriate actions to correct my file. 
XXXX XXXX XXXXXXXX : This account is listed as an old debt that I do not recognize. I have disputed this debt on my credit report since last year, and I continue to assert that it is not valid. I request a thorough investigation into this matter, and if it is found to be inaccurate or unverifiable, I ask that it be removed from my credit file. 
XXXX XXXX XXXXXXXX : This account corresponds to a membership at XXXX XXXX. I cancelled this membership due to medical reasons, and the account was fully paid off at the time of cancellation. Despite this, the gym continued to report this account as an outstanding debt. I do not owe this debt, and I respectfully request that this error be corrected immediately. 

Please confirm in writing that these accounts have been investigated and that any inaccurate information has been expunged from my credit record. I have enclosed copies of any pertinent documentation, including evidence of my disputes and proof of the cancellation and payment of the XXXX XXXX membership. 
Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or incomplete information on my credit report. I appreciate your prompt attention to this matter and look forward to receiving your confirmation of the correction. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX