23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

On XX/XX/XXXX, XXXX who handles the financial side of Mohela emailed that I was eligible for automatic XXXX student loan discharge per the XXXX On XX/XX/XXXX a consecutive email stating that my XXXX XXXX had been approved. In XXXX I called Mohela XXXX ( XXXX ) XXXX, proceeded through the prompts. billing stated that my ballance was XXXX. In XXXX XXXX I received a letter stating I had a bill due XX/XX/XXXX. I contacted the company ( Mohela ) the agent informed me that their system did in fact show that I had been approved for XXXX, that it takes time for it to clear but it had been well past XXXX weeks from the approval of the XXXX discharge and I shouldn't be concerned. I sat on hold for XXXX hours yesterday, spoke with an agent again and her response was I see this issue, it needs to be elevated to someone higher than myself. She asked me to please hold and she would transfer me to someone else. An automated system read a promp stating that there would be a XXXX hour hold until someone answered the phone. At close of buisness, approximately XXXX XXXX I hung up and decided to call this morning. I have sat on hold with Mohela for XXXX hours today with no answer until the line canceled out and hung me up. I do not have actual loans that I owe, however will be hit on my credit if I do not pay. I am XXXX % XXXX through the VA from my service in the XXXX XXXX XXXX. If i can not get them to update their system I will be in a financial crisis that I do not have the income for currently.
Product: Credit reporting or other personal consumer reports

NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to XXXX that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk?

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these
non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit card or prepaid card

On XX/XX/XXXX spoke with XXXX, XXXX XXXX, and XXXX  about disputing charges. 
XXXX said I couldn't dispute more than one charge at a time. 

I have several to dispute, which are listed below : 1. XX/XX/XXXX XXXX {$100.00} 2. XX/XX/XXXX XXXX  {$150.00} 3. XX/XX/XXXX XXXX {$31.00} 4. XXXX Return Payment {$35.00} 5. XX/XX/XXXX Return Check {$99.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I notified Experian of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Experian submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by a third party company. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Experian claims to have verified. 
After receiving the verification from Experian, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Experian 's assertion that the public records were verified is dishonest.
Product: Student loan

I am a student loan borrower that has successfully completed 120 payments and qualifies for XXXX XXXX XXXX loan forgiveness under the terms of my current student loan. Under the previous loan servicer I was able to update my employment history at anytime to certify my employment that ultimately approved my qualifying payments. My last qualifying payment for this loan was in XXXX of 2022. I finalized and submitted my last piece of documentation to XXXX XXXX ( old loan servicer ) in XXXX, 2022. I then received information that my loan was being transferred to MOHELA. MOHELA did not have record of my final documentation to forgive my loan. I created and sent an additional final document to MOHELA in XX/XX/2022. I am still waiting to have this processed or any useful information sent to me. There is virtually no way to contact MOHELA as wait times on the phone have been 2-3 hours on hold and I have had to hang up. They also say that my form needed 90 days to be processed. 90 days is 3 months of paying for a loan that I should have forgiven. I see that there are many claims of other customers that are in my same position. We all want our loans reviewed and forgiven or at least acknowledged as customers, instead of waiting 90 days for a form response. I know there is a government freeze on federal loans but I want this taken off my credit report so I can financially do other things with my life. I have dedicated my entire career to public service for this opportunity and it has now been 7 months of no information or ability to properly contact the company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a XXXX The Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Mortgage

Date : XX/XX/XXXXFrom : XXXX XXXX : Unfair and Premeditate re-modification practices Carrington Mortgage ServicesTo Whom It May Concern, This a complaint of unfair practice with re-modification regarding Carrington Mortgage Services. I received the final Modification proposal from Carrington Mortgage Services on XX/XX/XXXX.Prior to the modification agreement, I was paying trial house payments of XXXX from XXXX, XXXX XXXX, and XX/XX/XXXX. the previous loan agreement had the escrow included with mortgage insurance and property taxes. Unknowingly, when I received the final loan modification from Carrington Mortgage Services. I did not know that the new modification included the interest and principle ONLY making the new monthly loan XXXX .Also, being responsible for the escrow of housing insurance and taxes. I found this out when after receiving other notices form Carrington mortgage which I will enclosed with this complaint. Moreover, the real purpose for this unfair practice and premeditated maneuver is that prior to Carrington Mortgage Service assuming form the previous intercessor, XXXX XXXX XXXX. I was battling a complaint for predatory lending with them and had file with a Law Firm to obtain re-modification like so many other disadvantaged home owners. I did not pay my mortgage after having to pay law fees and the previous misses payments with multiple interest is {$36.00} accrued by Carrington Mortgage company. I will enclose evidences and motive for this unfair re-modification by Carrington Mortgage. In addition, I had already filed a complaint pervious to this on former file number:XXXX 
Thank You for Your cooperation in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX XXXX XXXX and Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from one of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and XXXX said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

They not only improperly reported me, they also broke the law.
Product: Credit reporting or other personal consumer reports

I am not liable for this Debt with MESBPO LLC I did not have a contract with MRSBPO LLC. They did not provide me with the original contract as I requested. My contract was with XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 records 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, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

sent me letter telling me i going to jail if i do not pay plus they up the fee from the first debt
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year> since then the account has be updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. XXXX XXXX # XXXX. 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. Also 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 more than 7 years.
Product: Debt collection

The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the XXXX -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. 
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.
Product: Mortgage

I was in the process of getting a loan modification, but the wording on my divorce decree read " Member will refinance property ''. Since it was a modification and not a refinance they said i can't continue with the modification unless I get the wording changed on my divorce decree. I was finally able to get my ex spouse to agree to the wording change and now Carrington mortgage is saying that I don't qualify because I had a modification within the last 2 years with them. This is not true, because the loan was never modified. After the modification process stopped Carrington mortgage stopped accepting my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE XXXX : XX/XX/2020
Product: Credit reporting 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 XXXX. 

Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C 1XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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. XXXX ( 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: Checking or savings account

on XX/XX/XXXX i had my bank account hacked and all my money from my savings transfered into my checking account and stolen from my checking account. I have no idea how my account was breached. I pursued claims with my bank ( wells fargo ) and they soon denied the claims and stated that the money transfers were authorized and that both claims would be closed. There was a total of XXXX dollars stolen from me and XXXX was from one savings account and the XXXX was stolen from another savings account. I am XXXX XXXX XXXX and a student and im very unsure of what to do and the steps to take forward. I was working on the XXXX and seen that money was missing and tried so hard to get things settled and when i was on the phone with the claims depertment they witttness them steal XXXX dollars from me and then decided to claim that my transfers were authoized and i truly feel like i am getting sweeped to the side and i need help.
Product: Mortgage

I have filed 2 complaints against SLS Servicing with CFPB. The last response regarding reissuing an escrow check to me from SLS Servicing dated XX/XX/2020, stated : " You should receive it in your mail in the coming weeks. We regret the inconvenience this matter has caused. '' It isXX/XX/XXXX, and I have not received a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Equifax telling my dispute has been completed and to follow the link in the provided email to view the results. With my confirmation number I click on the provided link and fill in my personal information and click check status. I am than greeted with an error message from Equifax stating the information I provided doesnt match their records. I am able to successfully login to my account and view my credit report, but unable to view my dispute results with my correct personal information. I do not understand why I can not get my dispute results. I have tried getting through to Equifax unsuccessfully via phone. Ive had problems with Equifax since XX/XX/2018 when I tried to get a free copy of my report, each time I was told either my information didnt match what they had on file or my process to receive my report online couldnt be completed and i needed to request my report by mail. Since than I filed a complaint with my states Attorny General and miraculously after complaining I was able to get my free report online for the first time with no problem. I was told I could view my free report for 30 days, every time I try logging in I have to reset my passcode just to be able to login again. Equifax does not remember the password I set. This happens every time I login to Equifax and quite frankly Im fed up with dealing with Equifax.
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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$210.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 records 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX