23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACE CASH EXPRESS loaned me money on two separate occasions and both went to different debt collectors, one was six years old and one was a year ago. I was contacted and threatened with jail time for felony wire fraud and even told its 90 days jail time if I did not pay that day. The collection agency stated my case was on the docket for XXXX that day and misled me to believe if I didnt pay I would be pursued criminally. Another debt collection company contacted me about my six year old debt threatening me with theft by deception and jail time. Ace cash express is aggressively collecting debt from consumers still even after they were sued and had to pay back XXXX  million in damages. Collectors should not be threatening jail time nor should they be pressing criminal charges for a debt that was unpaid due to financial hardship. I have every intent to pay the money back but I have been going through a very tough time financially. Ace cash express states the debt is in collections and theyre unwilling to make payment arrangements with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed XXXX, transunion andd XXXX letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Incomplete Information on Credit Report Dear Sir/Madam , I am writing to formally dispute certain information on my credit report. I have reviewed my credit file and have identified inaccuracies and incomplete information that I believe violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. I am requesting an immediate investigation and correction of these discrepancies. 

Details of the Disputed Information : Account Name : [ XXXX ( Orginal creditor : XXXX XXXX XXXX XXXX ) ] Account Number : [ XXXX ] Disputed Information : [ Incomplete/Inaccurate ] Date ( s ) of Discrepancy : [ Date oopened : XXXX last XXXX ] Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute incomplete or inaccurate information that may affect my creditworthiness. I am requesting that TransUnion investigate the disputed entries, verify their accuracy, and ensure that all reported data complies with XXXX XXXX standards. The inaccuracies I have identified include the following : [ Explain in detail the nature of the dispute ] : Inaccurate/ incomplete delete immediately due to violation of 1681. 
[ Provide any supporting documents if available, such as proof of payments, account statements, or settlement agreements. ] Under Section 1681i of the FCRA, TransUnion is obligated to investigate and correct any information that is incomplete or inaccurate. In addition, as per XXXX XXXX standards, the credit reporting data provided must be complete, accurate, and up to date. Therefore, I am requesting that this information be thoroughly reviewed, corrected, or deleted as required. 

Requested Action : Investigate the disputed accounts and correct or delete any inaccurate or incomplete information. 
Provide me with the results of your investigation as required under the FCRA. 
If the information is found to be inaccurate or unverifiable, I request that you remove the information from my credit report immediately. 
Please also provide me with a copy of the updated credit report once the dispute has been resolved, in accordance with the FCRA 's requirement to provide a free report after a dispute resolution. 

I am requesting a response within the XXXX investigation period outlined in the FCRA. 

Thank you for your attention to this matter. Please let me know if you require further information to facilitate your investigation. 

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

I am a victim of identity theft! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are five accounts reporting in Experian/ XXXX XXXX and XXXX that are fraudulent! Ive reached out to them directly Several times the past two years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : ExperianXXXX  have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help you!?
Product: Debt collection

Original creditor was XXXX XXXX. original debt {$1800.00} charged off XX/XX/XXXX per my credit report. it appears that this debt was sold in XX/XX/XXXX to a XXXX party named Portfolio Recovery. the amounts do not match. the merchant listed is XXXX XXXX. which I never applied for credit with nor have never heard of. I am receiving negative reporting on my credit report XXXX for an account that was charged off in XX/XX/XXXX. I am receiving nonstop calls from Sunday to Sunday XXXX hours a day from this debt buyerthat will not leave a message and will not provide proof of debt owed to their company. based on my credit report the account numbers of the charged off account and the debt buyers account do not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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
Product: Student loan

I was working as a XXXX Employee, and I'm doing Public Interest Loan Forgiveness. My job was ending, and I know there would be a gap in employment. I called the servicer to see what my options were and I was told the only option was a forbearance. I had the ability to make payments but in a lesser amount. I began a job working for the XXXX at a lower salary ( substantially ). I notified the servicer that I wanted to be taken off forbearance and to make payments. I submitted a pay stub, and was told I needed to redo and IDR application, which I did. I keep getting contradictory information. I had previously submitted documentation that they lost. So now I am uploading to the portal. 

In hindsight, I think I should have been offered a 0 percent payment since I was not working. The customer service people keep telling me contradictory things. I was also told that the amount is based on gross income not adjusted gross income which is a big deal. I have several mandatory deductions as a XXXX worker that dramatically reduce my AGI. 

I would like to know how long the servicer has to review the applications. Every time I call there seems to be a pattern of blaming the consumer, instead of reviewing the applications. I think this is purposeful especially when you need to repeatedly send in the same documents. I am going to send in a payment but I started this process over three months ago and they are continuing to kick the can. If my payments are not on time I am not getting credit for the payments toward my PSLF. Do I get the same benefit when the servicer, loses my paperwork, gives me false and misleading information and then blames me when they can't process the paperwork. What laws govern how long they have to review these documents. 

My goal is an affordable payment based on income, and I don't want interest capitalized because they are giving people ( myself included ) the wrong information. Who services these loans? Is it a private entity do they have shareholders? Are my tax dollars subsidizing this outfit?
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. 

Account name XXXX  Account # XXXX Account name XXXX XXXX  Account # XXXX and XXXX and XXXX and XXXX, Account name : XXXX XXXX  XXXX Account # XXXX Account nameXXXX  account # XXXX XXXX Account name XXXX  Account # XXXX, Account name XXXX XXXX account # XXXX and XXXX and XXXX, XXXX, XXXX, Account name XXXX  XXXX, XXXX Account name XXXX XXXX XXXX  XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX account name XXXX  XXXX account name XXXX  XXXX XXXX account name XXXX XXXX XXXX XXXX, XXXX 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: Checking or savings account

Capital one has had my account closed for months for no reason I do not have a branch where I live I have XXXX in my account and they will not give it to me I been struggling because of them I called and called for almost 2 months straight and got no where this is honestly redicoulus they said there closing the account and I can withdraw my funds but its been months at 4 or 5 I was still XXXX when this happened my daughter is almost XXXX XXXX XXXX this is absolutely rediculous this has happen to alot of people with them they are taking peoples money. My grandmother has called them many times also to get removed off this account so they dont have to go thru her again I do not live near a branch
Product: Credit card

I got letter from TD XXXX XXXX XXXX with promotion- if I spend {$500.00} in 90 days I will get {$200.00} bonus-I apply and get the card and I make purchase for $ XXXX and when I called about my bonus- they told me I don't get bonus because I get already bonus last year with the same offer- but I cancel the card last year -and this year I got letter from credit card to apply with promotion-credit card never mansheen to me you will not getting {$200.00} because last year you got promotion even I cancel my card-Please help me to get promotion-THANKS
Product: Payday loan, title loan, or personal loan

Obtained a title loan on my vehicle in 2020 when I found myself in a tight financial position. My situation deteriorated and, ultimately, the vehicle was repossessed I contacted the lender several times after they took the vehicle to work out a resolution and possible get the vehicle back. No one would return my call and was even told on one call that if there was a surplus after the vehicle was sold I " might '' get it unless " we decide to give it to someone else '' ( her exact words ). Several personal items were in the vehicle and was not given an opportunity to retrieve them before they sold the vehicle at auction. 

A few weeks after they took the vehicle and no return calls to work something out I received a letter in the mail from the lender ( which I am now unable to find ) stating that there was a surplus left and I was going to be getting approximately {$1800.00} +- back and to contact them. When I contacted them, I believe in XXXX of last year ( 2020 ), they stated it would take them 90-120 days to process the refund check to me. I've been a lender and have not heard of it taking that long to get the surplus funds to a borrower. 

As of today, XX/XX/XXXX, I have not received anything from the lender.
Product: Mortgage

On XX/XX/2024, I used the company 's chat function to request deletion of mortgage insurance. I was advised that since this was a request for early termination an appraisal or Broker Price Opinion would needed to be completed and that the appraised value would need to come back at {$390000.00} or higher to remove PMI ( copies of chat are included with this complaint ). I was asked if I think the home would appraise for that amount or higher to be able to remove mortgage insurance, I replied yes and ultimately opted for the BPO. 

Overnight on XXXX I received a notice in my online servicing account that PMI request was denied due to not meeting ltv requirements. On XXXX I called several times and could not speak to a customer service rep., instead got an endless loop of ivr prompts that kept sending me back to the start. So I reached out via chat for a copy of the BPO report ( copies are included with this complaint ) and it was emailed to me and showed a value of {$400000.00}, which is higher than what was needed, bringing me to 78.66 % ltv. 

XXXX I reached back out via chat to see why my deletion request was denied since the value came back higher than what was needed and I was the transferred to a PMI agent via chat but rather than address my questions he started the process of requesting PMI deletion, this time telling me an evaluation would be needed and will need to come back below 75 % to cancel mortgage insurance and do I think my value will come back at that. ( Copies of transcript attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX Balance : {$160000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX  Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.
Product: Debt collection

My credit is being attacked be cause of some bill from XXXX XXXX. 
My husband is covered by the VA. They pay all his bills. 
My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP!
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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX self-Reported # XXXX, account name : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, account name : XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX # XXXX, account name : XXXXXXXX XXXX  # XXXX, accoutn name : XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXXXXXX # XXXX, account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXX account number XXXX 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: Debt collection

I am writing in response to the communication I received from Midland Credit Management regarding an alleged debt associated with Account # [ XXXX. I stated that I spoke with an attorney regarding this matter however I do not need an attorney to challenge the information on my consumer report. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of the debt. I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Midland Credit Management. In fact, your company 's name or any reference to Midland Credit Management is not mentioned anywhere in the documents you provided. As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized : 1. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.
Product: Debt collection

XXXX setup services at my location at XXXX, Florida XXXX. However, their services were never used as I had never received a modem. XXXX has billed me for their services even after speaking with a Manager in their call center, and I 've been getting continued collection notices.
Product: Credit card or prepaid card

I am due a credit from XXXX for {$270.00}. I reached out to the store and they said they only keep one week of transactions in the store. 
I decided to dispute the payment with capital One. A supervisor told me that I had to split the dispute into XXXX separate disputes. One forXXXX and a second one for XXXX. I thought that was definitely wrong. She said because none of the charges on my card added up to {$270.00}! Well we dont always return everything thing that we bought. Anyway for some strange reason capital one charged my card back {$110.00}. 
Heres the overall issue I did not see a credit for {$270.00}. I called in again today and spoke with XXXX. I asked him to dispute {$270.00} with the merchant and he said he would not dispute this. I want an explanation from the merchant as to why they have not credited this order. Note, on the receipt that it was the same order number, same invoice. XXXX refused to assist me with the merchant to get an explanation. I want the merchant to explain if they broke out the charge into 2 separate credits OR was this credit never applied. 
I think the credit from the merchant was never sent. But, capital one refused to place the {$270.00} in dispute. 
Capital one dispute center is deplorable. They get an F-. I want my credit card with them closed immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i pulled my credit reports and discovered a account that was not mine.
Product: Checking or savings account

account was frozen XX/XX/XXXX unknown to me. made a cash deposit of {$500.00} on XX/XX/XXXX. went to use my card and see that my account was frozen on XX/XX/XXXX and that there is a restriction on funds going in and out. but yet I was able to load {$500.00}. called customer service and am told there's nothing they can do until such and such team reviews my account. ask to be connected to said team, and am told I can't. ask for a phone number or email for that team and am told there isnt one. ask to speak to a supervisior and am told there isn't one.
Product: Credit reporting

I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do it.