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

In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to Experian, XXXX, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed : XXXX XXXX XXXX  : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX  XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and XXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.
Product: Credit card or prepaid card

Please see complaint XXXX and the company response. They have not awarded promised airline miles from last XXXX. The letter they wrote after the first complaint said it would be resolved by today. It 's not. They have not given me the miles I earned.
Product: Debt collection

Midland Credit Management Inc has violated FDCPA as outlined in Daugherty V. Convergent Outsourcing Inc, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Student loan

I have spoken with Navient about the school closing so i wasn't able to finish my degree and i was not paying the loan if i was unable to finish to classes. They refused to send me paper work after asking numerous times. The final attempt was 3 months ago they told me i only had 100 days to fill out the closed school form which i was asking for for over 3 months. 
If i need to turn this over to an attorney and file a lawsuit against them then that is what i am going to do in less than 30 days unless this is resolved. This mark on my credit has kept me from buying a house. Why should i pay for a loan that i wasn't able to complete the degree and credits was non transferable.
Product: Vehicle loan or lease

I have been trying to correct a multitude of problems with Kia Motors Finance since XXXX of XXXX due to them incorrectly applying extra payments to interest instead of principal, erroneously charging me late fees and NSF fees and later agreeing to waive them but never updating my balance, charging me higher interest on a higher principal balance due to failure to correct my principal balance as promised and then later promising to correct the inappropriate interest charges and not doing so, and continuing to erroneously report a late payment and incorrect balance to the credit bureaus despite dispute and numerous calls. I contacted Kia on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, email on XX/XX/XXXX, XX/XX/XXXX by phone an email, and today I spoke about the problem again with a XXXX reference number XXXX who confirmed they still had not corrected the payments but he could see I have called numerous times about it and that it was supposed to be corrected. I spoke with a supervisor on XX/XX/XXXX who reported she would " waive the NSF and late fees '' and XXXX said he saw that and it should have been updated within XXXX hours by Friday XX/XX/XXXX but could not explain why it had not been updated once again. I have included call logs, my Kia Finance payment history that shows payments, and how the principal balance has not updated in months nor have the extra payments for principal been moved as promised. You can also see NSF or late fees randomly applied to my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also applied {$510.00} out of my {$700.00} to interest only on XX/XX/XXXX payment which is more than the required {$600.00} and then reported me as late in XX/XX/XXXX to XXXX and the other credit bureaus despite filing disputes with all XXXX. I am tired of calling this company and them doing this to me and the late payment interfered with a mortgage application I applied for just last month and was part of why I am paying a higher deposit to my new apartment since I could not get a mortgage.
Product: Student loan

I am eligible for PSLF. Mohela placed me in forbearance for XXXX and XXXX of 2024 to transfer their system to another platform. I was led to believe those months would still count towards PSLF because payments could not be made at that time. I had not requested the forbearance. Now Im learning those months will not count towards XXXX. I made what should have been my XXXX payment in XX/XX/year> and submitted an employment certification form. These forms are taking months to years to process. I just submitted a request to buy back XXXX and XXXX with XXXX. But it could take months before I hear about that and my employment certification form On top of that I was originally scheduled to recertify my financial information in XX/XX/year>. I waited as long as I could to submit because the XXXX  had announced these due dates would be pushed back another year. I did not want to lose any time towards PSLF for not applying before the deadline. A few days after my deadline I received notification that my deadline to recertify financial information had indeed been pushed back a year. Last week Mohela finally got to my form submitted in XXXX. Since they are not processing these forms now they put me on forbearance right before my XXXX payment was due. XXXX and XXXX would have made up for XXXX and XXXX payments and I would have been fine with that. I did submit a question to Mohela about forbearance by their website but have not had a response. I would appreciate any assistance you can give in the way the lenders and the XXXX  have made such a mess of student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX  HOSPITAL - Account : XXXX Creditor : XXXX BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay this creditor.
Product: Mortgage

On XX/XX/2021, I made an online application for a mortgage loan with Amerisave Mortgage Company that included payment of a property appraisal fee in the amount of {$660.00} through my MasterCard account. On XX/XX/2021, I received correspondence from Amerisave notifying me that my mortgage loan application was denied. I requested the name and contact information of the individual with Amerisave who has the authority to reimburse me for the unused property appraisal fee in the amount of {$660.00}. I received a voicemail recording and left a message. I spoke by phone with the application agent and was advised that the appraisal fee payment would be returned to my MasterCard account, that reimbursement has not occurred. 

I am requesting the assistance of the CFPB in requesting Amerisave Mortgage to return my {$660.00} deposit. Thank you.
Product: Vehicle loan or lease

Fact, I, XXXX XXXX, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 XXXX XXXX XXXX is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke his right as the debtor in this consumer credit contract against XXXX XXXX XXXX for unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. Fact, I, the affiant, have reason to believe, XXXX XXXX XXXX which is a private for XXXX XXXX, regardless of XXXX XXXX, has participated in racketeering activity as defined in Title 18 U.S.C. 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends was an invoice for services provided by the utilities companies, which is embezzlement, theft by deception and extortion. Fact, I the affiant, have reason to believe and do so believe, XXXX XXXX XXXX is in violation of 18 U.S.C. 1341 by knowingly participating in the fraud through the XXXX Mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

To whom it may concern, I had a late payment at Kohls in XX/XX/2017, they took away the late fee but I have called several times and they give me the run around and say they cant change it! It is my only late payment and the reason was because I moved and changed jobs. So I never got the bill or the email. I am a very responsible person and the bill was like XXXX When they finally reached me by phone it was to late. I am very frustrated and will not shop at kohls anymore. There must be something I can do. I was also given a credit bureau address from the corporate office at Kohls I wrote them but not sure what information I should have sent but it has been a couple months with no change on my credit report. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

MID ATLANTIC FINANCE C has flagged your account as Government / Insurance Claim on XX/XX/2022. 

Source : XXXX XXXX : MID ATLANTIC FINANCE C Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Gov Claim Insurance Claim ) Balance Date : XX/XX/2022 New Auto Loan MID ATLANTIC FINANCE C reported a new account on your Experian Credit Report. 

XX/XX/2022 MID ATLANTIC FINANCE C reported a New Auto Loan to your XXXX XXXX XXXX. 

Source : XXXX XXXX : MID ATLANTIC FINANCE C Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Balance : {$6600.00}
Product: Payday loan, title loan, or personal loan

I signed up with MY PAYDAY LOAN for a short payday loan. I later signed up for debt consolidation and a revocation letter was sent to them and request for validation of debt by my debt consolidation company. The company is oversees and unable to provide validation. After the revocation letter they continue to take interest payments of {$180.00} and continually changes the way the take the payment to avoid stop payments. The submit as a check instead of a ACH payment. Can you please help me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY XXXX XX/XX/XXXX - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX  || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.
Product: Credit reporting 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 bankruptcies in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

After I completed everything for my XXXX I was pardoned from that crime and that is not showing up. It's imperative that it shows up I was pardoned, I lost a job because it was not showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, MD XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Balance : {$840.00XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent countless letters, followed by phone calls and emails trying to fix numerous errors on my credit file. Experian is not abiding by the FCRA in showing correct information on credit files, nor are they providing accurate feedback within the 30 day allotted time span. I have errors on my file that need to be corrected promptly, rather than their generic responses. 

1 ) Experian has a past address that does not belong to me, upon research it belongs to some life insurance / consulting company. 
XXXX XXXX XXXX XXXX  XXXX, OK XXXX ** I have never in my life lived in Oklahoma ** REMOVE 2 ) Experian shows a company named XXXX XXXX XXXX, Account XXXX ** Looking at my files, I do not have anything in my name with this company or account number. I have never signed any sort of contract with this company ** REMOVE 3 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 4 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 5 ) Experian shows my XXXX  XXXX XXXX XXXX, Account XXXX, shows to be late and is reporting incorrectly. 
** I have never been late with this account, ever ** CORRECT 6 ) Experian shows an account XXXX, Account XXXX on my credit file. I have never signed any sort of contract with this company and not familiar with this account number ** I have no clue what this, but it does not belong to me ** REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a request to MicroBuilt to place a freeze and suppression on my consumer file as well send me a copy of my full consumer report. Have not heard anything back. Please see attached file and fulfil my request immediately thanks
Product: Credit card or prepaid card

had done a quick cash of {$20.00} inXX/XX/2020 have been paying well over min due and last month was charged .38 interest and even though balance was dropped due to over payment this month was charged .39 interest on same money i did call capitol one and guy had no clue and over the previous months have been charged in the .30-.39 interest range
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the three credit reporting Agencies XXXX, XXXX  and XXXX that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below XXXX and a credit report from the three agencies reporting a 90 day past due mortgage report by SLS Company ( specialized Loan servicing. It has been one year since SLS  received a full payment by the Title Company on XX/XX/XXXX ; SLS  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from SLS  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with SLS, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX