23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX  cancelled my debt with them on XX/XX/2016 and reported to the IRS, so now the IRS is saying I didnt claim that as income. To my knowledge I didnt know it was cancelled because the debt was transferred according to this debt collection agency, SIMMS ASSOCIATE. They started making calls to my federal job and even to HR. I fell into their trap and made a settlement payment of {$8000.00} for them to settle my debt to a lower amount. After making that payment, I had to make a monthly payment for two years in the amount of {$370.00}. I am now finding out that I shouldnt have been making those payments because those payment could be going to IRS since I owe them because of the cancellation of the loan. Who do I contact about getting my money back from this SIMMS Associate people. I feel like Ive just been robbed. I have about 6 months to pay off but I am stopping those payments today! Help please.
Product: Payday loan, title loan, or personal loan

I took a loan when I was desperate. I borrowed XXXX. I have paid every payment on time and just realized the interest rate on my loan documents is over 200 %. I have paid XXXX back to them already and still have XXXX  biweekly payments of XXXX left. Please help if you can.
Product: Credit reporting or other personal consumer reports

Hello. 

I am having 3 hard inquiries on my XXXX credit report that I did not authorized. 

AUTOMOTIVE CREDIT CORP ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 As I mentioned, these 3 hard inquiries are appearing in my XXXX credit score. Affecting my credit. 

I contacted XXXX for a deletion and they say they could not do it because I have to contact each company first. I contacted the companies and they say they dont have my information on file. I told them that I did not authorized those inquiries and that I want them to be removed. So one of them told me about claiming this to the CFBP. Thank you so much
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit card

I have a HH Gregg credit card account and thought that I have been making on time payments since I pay on the due date, which is the seventh, of each month. I noticed that my balance was not reducing in the last few months and that the minimum payment fluctuated tremendously. I spoke with a customer service agent who told me that I was being charge a {$38.00} dollar late fee for paying on the due date, and there were XXXX charges of this on my account. The representative removed the last charge but refused to discard the other charges. I was told that the payment had to be paid two days in advance of the due date in order to be considered on time. I told them that there was no notification of this through their automated system or on the statement, and I have never heard of such a policy with any other company. The representative continued to state the same thing and left me no recourse to resolve this, even after I requested to speak with a supervisor.
Product: Credit reporting or other personal consumer reports

I am a customer of XXXX XXXX XXXX and my scores from Equifax is not being reported. I'm working on cleaning my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to the bureaus an account ending in XXXX as Equifax - status over 120 days past due, 30 days late in XXXX XXXX- 150 days late in XXXX, several lates in XXXX XXXX XXXX 150 days late This account was paid in full. I went through a XXXX  XXXX bankruptcy in XXXX but had reaffirmed this loan and paid it off early. My bankruptcy was discharged in XX/XX/XXXX and the loan was paid off prior to that time. I disputed the account several times and just sent another round of letters out but all bureaus send back a letter stating the account was verified. I recently attempted to obtain a mortgage as I have not had a single late payment post bankruptcy and made a great recovery but was denied on the conventional loan on account of this single account. This now has affected my ability to obtain financing. I paid the account off in full in XXXX. I am requesting the entire account simply be deleted at this time since they are having a hard time figuring out how to report and now it has cost me a closing. Which if need be I can substantiate. If this can not fix the problem I am left with no choice but to seek legal counsel. However, I'd like this to be simply resolved.
Product: Credit reporting or other personal consumer reports

I submited letters cia certified mail and dispute information. Asking for XXXX on all closed accounts, delete unverified information after doing reverification.I must also bring to your attention that XXXX is currently facing a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which alleges systemic mishandling of credit report disputes and failure to ensure the accuracy of information. This ongoing legal matter underscores the gravity of XXXX 's responsibility to maintain accurate consumer records. 
In light of these circumstances, I respectfully request the following : An immediate investigation into the inaccuracies in my credit report. 
The correction or removal of the incorrect information from my file. 
Written confirmation of the changes made to my report. 
Compensation for the damages incurred due to the erroneous information.
Product: Mortgage

Carrington mortgage ( XXXX XXXX XXXX   XXXX XXXX  ) Carrington Mortgage services is the lender who is listed as my  mortgage holder. I make payments to them on this loan. This loan is currently in forbearance expiring on XX/XX/2020. The Forbearance began on XXXX XXXX When the pandemic began. I would like to give you some details. A payment was made on XXXX XXXX in the amount of XXXX. Record of payment is enclosed. The payment was enough to cover 2 months ( XXXX and XXXX ) leaving a balance of {$380.00} in suspense. I am working on making another payment by the end of the week on XX/XX/2020 in the amount of {$1100.00} Which will cover 2 more months ( XXXX and XXXX ). I have been communicating with the lender Carrington Mortgage services as they told me because there are programs that might the payments to bring my account current. I only owed the month of XXXX. This record of payments is also listed on a printout provided by my lender. I just wanted to make sure you were informed properly of my situation and giving the opportunity to do so. Also I wanted to add that I was contacted by a person of the name of XXXX ( XXXX ) XXXX XXXX XXXX ( mortgage Investment firm ) He stated that he wanted to work out the mortgage payments with us. I asked who he was and he stated to me that he was assigned from carrington Mortgage company. I said to him do you know that attorneys were involved with this situation. He said he didn't know that. He wanted the name of the attorneys. I stated to him that you should of got that from the mortgage company. He said that he will get back to me as soon as he gets that information. The attorneys who submitted paperwork to the court house are ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) address :XXXX XXXX XXXX, XXXX XXXX XXXX, new york XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your guidance and intervention pertaining to a matter concerning my credit report. On XXXX XXXX I submitted a Method of Verification request to Experianunder the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). 

The aforementioned request was prompted by certain items on my credit report that I believe to be inaccurate. Under the FCRA, I have the right to dispute such items and, in turn, the bureaus are obligated to investigate the disputed information within a period of 30 days. Furthermore, if I question the outcome of this investigation, I am entitled to know how the bureaus verified the accuracy of the data. 

As of today 's date, it has been 15 days since I made the Method of Verification request, yet I have received no response from any of the bureaus. This inaction is a direct violation of my rights under the FCRA. The FCRA states that if a bureau can not verify an item within the stipulated time frame, it must remove that item from the consumer 's credit report. 

The absence of a response to my request implies that the bureaus have failed to verify the accuracy of the disputed items, and as such, they ought to be removed from my credit report immediately. I am kindly asking for your assistance to ensure my rights under the FCRA are upheld and that the credit bureaus adhere to their statutory responsibilities. 

Enclosed, please find copies of the Method of Verification requests, First dispute and Email I received from Experian this morning these were all sent to the bureaus as well as the return receipts for your perusal. 

I look forward to your prompt response and appropriate action. I sincerely appreciate your attention to this matter. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my XXXX score and this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to Experian, XXXX XXXX, and XXXX. In XX/XX/2014I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX cents. I was moved out on the XXXX which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX, XXXX 15 U.S.C, 1681section 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 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 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXXXXXX XXXX Opened XXXX {$570.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 15 USC 1682b ( c ) ( 2 ) states written instructions of the consumer are needed. Provide me with the written instructions given that gave permission to use my information. 15 USC 1681c states no derogatory remarks besides convictions of crimes shall be reported. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681n explains civil liability for willful non compliance which per my first complaint, has not been followed. ( B ) details the monetary penalties at {$1000.00} per violation with and damages included as I have been denied credit. 15 USC 1681o is civil liability for non compliance. Next reports are going to the FTC, XXXX, FBI for non compliance, unauthorized use of non public personal information, and miss-use of said information. I also want a copy of my complete credit file not an E-oscar report.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX Birth : Date of Birth : XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

It was identified on XX/XX/XXXX I was due to be paid excess in escrow account, it is now XX/XX/XXXX. It has been 58 days total with no check in sight. I have contacted my servicer Village Capital & Investment LLC 2x around the 30 day mark and an additional amount of times after. They keep saying it should be there at the end of the week. This is blatant misinformation. This is a check in excessive of {$5000.00}, that should be paid. At this point it should be paid with a late fee given that its gone over the mandatory time frame for repayment. They are stealing from me with an interest free loan of {$5000.00}.
Product: Prepaid card

The card is an American Express Gift card. I first tried to use it online to make a purchase at XXXX but this was declined. I then tried to use it at a restaurant to pay for dinner and it was once again declined. I have had these cards before and they used to work but have since changed something so they are worthless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Complaint about a month ago asking to please provide my updated credit score report on all bureaus and nothing was done about it. im still not able to see my updated credit score.
Product: Student loan

I am eligible for Public Service Loan Forgiveness ( PSLF ) having worked for non profit organizations for the last 20 years. I applied for PSLF completing and submitting all the necessary paperwork. It took months for Mohela to respond and when they did, they only credited part of my eligible service omitting, for example, my five years of XXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted the information and enlisted the help of my Congresswoman 's ( XXXX XXXX ) office. Even they couldn't get a timely response. Finally more months into this process XXXXXXXX XXXX  office got a response stating Mohela would get in touch with me. Mohela then began sending me notices, that I had no payments due, XXXX XXXX of the over XXXX XXXX had been accepted and forgiven, but Mohela didn't have information on the additional services ( XXXX, XXXX XXXX XXXX XXXX, etc. ). Then Mohela began sending me notices that the amount due had increased another XXXX XXXXXXXX! I can never get in touch with a person at Mohela. My last conversation with the US Dept of Ed which has taken over Mohela 's accounts advises me to resubmit all the information again and/or get in touch with Mohela to try to get answers and register my complaint. 
This is ridiculous! As a XXXX XXXX with over XXXX XXXX that should be forgiven, Mohela has done nothing to dispense with my loans which should be forgiven.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made XXXX  attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them in XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received in XXXX. 
I have given well over XXXX XXXX for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates account XXXX and Portfolio Recovery Associates account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed these same documents on XX/XX/2020 via certified mail for investigation but it does not appear they were not used in the investigation of my dispute that was assigned XXXX report number XXXX. These documents show that I settled in full both accounts and that Portfolio Recovery Associates will request deletion of both tradelines.
Product: Credit reporting or other personal consumer reports

Someone has gain access to my personal information, And has been applying for different Bank requesting auto loans.I have XXXX inquiries on my transunion profile and 12 inquiries on my Equifax account that does not belong to me.i will list them below. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My credit report reflects errors, like late payments that are inconsistent with my habits. Kindly review and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is owned by XXXX and was removed because it was a result of identity theft. and was included in my past Identity theft package it was sold to this agency by mistake. enclosed in the Identity theft package XXXX XXXX should be blocked from my credit file