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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  XXXX XXXX XXXX Equifax Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Student loan

I took out two XXXX  loans from Access Group to attend my first year of law school from XXXX XXXX XXXX XXXX XXXXXXXX, approximately {$32000.00}. The Access Group loan was the only loan offered to me from XXXX XXXXXXXX XXXX XXXX although there might have been more favorable federal student loan options available to me. 

I have been in repayment for several years now ( since about XXXX ) and believe I missed one payment during that time. Nonetheless, my interest rate for this loan has the highest interest of any loan that I have, 8.607 %. I am also wondering why I have made about {$2500.00} in payments over the past few months ( far above minimum payments ), yet the amount I owe per month has not gone down much in comparison and my overall number of payments doesnt appear to have gone down much if at all. I want to review the terms of this loan and discuss those terms and possible modification options with the appropriate person. 

XXXX XXXX XXXX is the servicer of this loan. I contacted XXXX XXXX XXXX to ask about the terms of this loan and whether my interest rate could be lowered. XXXX XXXX XXXX said they only service the loan, I would need to contact XXXX XXXX to discuss the terms of the loan. 

There is no option on Access Groups website that I could find to call Access Group! No phone number at all! So I used the online option to submit requests for assistance on XX/XX/XXXX and XX/XX/XXXX. I asked for someone to call me back to discuss the terms of my loan and also for any and all documents and correspondence related to my loan. I also asked for a reduction of my interest rate based on excellent credit, payment history, and Access Group being the only lender offered to me at XXXX XXXX. However, now I also want information on whether my Access Group loan was or is subject to any federal lending requirements, whether for student loans or otherwise. I would think at a minimum Access Group must provide an option to communicate with their staff about my loan. This may also be a question for the Comptroller of the Currency, depending on the advice or assistance of the CFPB. 

Access Group has not responded to my two requests for calls and information that I sent on their website on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It is totally unacceptable for any lender, and particularly a student loan lender to not allow any option to call and speak with someone. And it is even worse when that lender fails to respond to written requests vis the ONLY way to communicate with that lender. 

Let me know if you have any questions. Thanks. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I borrowed to fund my sons ' education. FedLoan Servicing processed my repayments. I refinanced the loans and they were paid in full ( XXXX XXXX on XXXX XXXX, 2015. Due to the processing of a direct debit while the payoff was in process, I overpaid FedLoan {$1000.00}. I have been unable to obtain a refund of the overpayment, despite multiple contacts with FedLoan. FedLoan has claimed on multiple occasions either : ( 1 ) that a check has been sent to me ; or ( 2 ) that FedLoan has arranged for someone else to send a check -- but I have never received anything. Please help me obtain a refund of my overpayment.
Product: Mortgage

Ditech ( formerly Greentree ) foreclosed on / charged off my XXXX mortgage loans without sending me any notifying paperwork. In fact, after multiple phone calls, they still ca n't find any record of paperwork of any kind about this. One loan, in fact, they 're still reporting as both charged off and owed on my credit report. I do n't know the difference between FHA mortgage and conventional mortgage, but I know with both a company is n't supposed to foreclose without sending paperwork confirming it.
Product: Debt collection

I have received numerous automated dialer calls from Enhance Recovery XXXX to collect an amount, supposedly from XXXX XXXX XXXX that does not exist. I have contacted them several time by phone and in writing. I have informed them that their claim is fraudulent, actually using those words, and asked them to prove that the debt is valid. I even disputed it through XXXX. They have never shown any proof that this is a valid charge. I have never received a bill in this amount from XXXX and when I had service with them I was on auto payment so I always had a zero balance. XXXX years after I cancelled my service I began to receive calls from them. I will include copies of letters that I have mailed. 

I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion. 


( I have several other files I can submit )
Product: Student loan

Please if someone could look into my school loans ; I have made numerous attempts. Previously I was set up with a payment arrangement of 2 years and not either of the payments were ever applied to my school loans. This amount was drafted out of my bank account each month for 2 years.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 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. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information.

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 

As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately DEPT OF ED/XXXX
Product: Checking or savings account

I XXXX XXXX called Huntington bank on XX/XX/2023 attempting to collect the XXXX dollar promotion reward for opening a new account. On the website it states after maintaining a XXXX dollar balance and getting XXXX direct deposits the money will be deposited into your account. The website also states a promotional code will be applied to all new accounts. The code was not applied to my account and Huntington bank is refusing to pay the money the promotion promised.
Product: Credit card

The dentist office I went to had me apply for carecredit to cover dental procedures.I was told that I was qualufied and will have enough time to pay for a balance of XXXX thousands..After a year, care credi synchronic Bank, added almost XXXX thousands dollards interests on it, now my monthly balance is too high and every month they keep.adding XXXX interest on it..I was never told that what they will do.I understand late fees, but this shady disclosures or non, I did not expect.I tried to explain it to them, they won ', t hear it and harrassing me with phone calls, reported it on my credit and damaging it.They knew that you could never have enough time to pay the full balance on time, so they can add exhorbitant interests on it.This is fraud.Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The credit bureaus have engaged in multiple violations of the Fair Credit Reporting Act including inaccurate reporting of the amount owed, failure to ensure accuracy in the Information provided by the original creditor misrepresentation of payment history and inaccurate reporting of account status. Below is the non- compliant account that violates FCRA regulations and has not been certified under a testimony of fact 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

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft.
Product: Vehicle loan or lease

I have been in communication with Gateway One Lending regarding this account nothing was ever done payments were recieved. They stopped all communications with me and sold the loan to Santander consumer who have now just listed this account closed however I have over 3 years of lates listed on my credit report from the previous lender when in fact the car was wrongfully repossesed I was never even given the oppurtunity to pay on it
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a court summons to appear on court for {$3400.00} credit card debt from a collection agency in Colorado. I called the number on the summons I explained to XXXX that I never received a XXXX credit card. He told me that ( XXXX ) XXXX had been sold to XXXX in XXXX. 
I reviewed my emails and bank account transactions. I did have a XXXX card since XXXX and had paid through automatic withdrawals from my bank account. I had never missed a payment. 
Also, I explained that I did not receive any notification from XXXX and that there is no record of a balance. XXXX had no record of my credit card and that I wanted to know why the amount was so large. By going paperless, I am not able to retrieve the card number or the monthly statements Emails are the only source of communication with XXXX. The maximum credit granted to me was {$1500.00} and I had stopped using the card and wanted to pay it off XXXX told me that he could reduce the amount I owed to {$2300.00} and I must pay in one or three payments. I explained that I could pay {$250.00} a month to settle this debt. XXXX threatened me by saying you owe this money and reminded me of the court date. Another person came on the call and told me the only offer available to me to settle this debt was {$360.00} for 8 months, I reminded him that I did not have any statements and still needed more information. 

XXXX told me that this was the only option for me. So, I agreed to his terms Please let me know if this is a legitimate XXXX  legal process for a person in this situation. 

Thanks in advance for helping me. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Student loan

I got two loans from studentaid.gov XXXX months ago. I am trying to pay it back and it says to contact my loan officer MOHELA. I have contacted them to make payments and they deny having any information in their system on my loan, despite charging me interest. I am not able to make any payments or create an account and I want to pay off my loan to prevent paying anymore interest. They have not let me know when I will be able to start making payments and they continue to charge me more interest everyday.
Product: Credit card or prepaid card

I never applied for a credit card with XXXX XXXX. XXXX XXXX has not been able to provide a copy of my application with the correct Social security number of XXXX that is in my credit file. The documentation they provide of the application does not have my correct information. I did not open this account. The account is not mine.
Product: Checking or savings account

On XX/XX/2018, I opened a checking account with Chase less than a month ago online with the promise of a {$200.00} bonus if I ( 1 ) open the account by depositing the minimum {$25.00} into the account, and ( 2 )  set up direct deposit of {$500.00} or more into the account. On their website, it states underneath the " Open Now '' option verbatim " Your coupon code will be automatically applied. '' You can find this information in the link below : https : //accounts.chase.com/XXXX I have also provided attached screenshots below. 

I continued to read the terms and agreements which stated that after ( 1 ) approval of the account, ( 2 ) depositing {$25.00} or more into the account, and ( 3 ) having the direct deposit made electronically within 60 days of opening the account, the bonus would be deposited within 10 business days. 

After 2 paychecks were deposited into the account, I noticed the bonus had still not been applied. I called Chase twice on XX/XX/2018 to resolve the matter, but was told that I did not qualify for the bonus because a coupon code was not applied to the account and 21 days had passed since opening the account which made my request ineligible. There is NO written indication anywhere under their terms and conditions that state there is a 21 day limit to apply a coupon to redeem this bonus. The account is still less than a month old, and at the time of contact, it had been EXACTLY 21 of their business days from opening the account online ( as they are closed Sundays ). In addition, as stated previously, after opening the account online, it was stated ( on their website ) that the coupon code was automatically applied. The " Welcome '' email I received from XXXX on XX/XX/XXXX after opening the account revealed no promotional code, nor expiration date for a promotion. 

Once they still insisted there was nothing they could do for me, I went to a branch in XXXX XXXX, NY and spoke personally to the branch manager who tried to override it with a promotional code I signed up for on XX/XX/XXXX with my personal email that was used to initially open the account. When it didn't work, he told me to call their main number again and re-explain my case. I called this morning, XX/XX/XXXX and retried only to be told that if I walk into a branch, they could give me a coupon code to override it. This, however, did not happen yesterday when I walked into the branch. 

I am more than happy to provide any further emails, and names of individuals I have spoken to if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX {$750.00} XXXX   XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a documentation from the state of Wisconsin confirming the dismissal order of a case that I was involved in, however it still remains on my credit profile from all three credit reporting bureaus.. 
I have tried working with many repair agencys with no results. This issue is affecting every aspect of my life and prohibiting me from moving forward.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied for my XXXXXXXX XXXX XXXXXXXX card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX K reward points in a few weeks. 

Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called XXXX a few times to check the status of my reward points. They all told me i would get it in a few weeks. 

I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! It was my XXXXXXXX XXXX card, I only had XXXX XXXX credit card before and i never miss payments, my credit score is great. After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in writing- in the chat. It was XXXX XXXX. 

Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. Out of all those credit card, I chose XXXX XXXX, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another XXXX  credit card. I need my XXXX reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.
Product: Mortgage

We completed a trial modification in XX/XX/XXXX that we were offered through XXXX. XXXX took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. XXXX sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. XXXX sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for XXXX to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. Wells Fargo is the noteholder and is refusing to honor principal or interest forgiveness. XXXX did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am disputing the collection account being reported by Receivable Management Services ( RMS ). I requested validation of the debt, including the original signed documentation, itemized billing, and proof of legal ownership. RMS failed to respond or provide any of the legally required validation under the Fair Debt Collection Practices Act ( FDCPA ). 

This account continues to be reported inaccurately on my credit report without proper documentation, verification, or consent. RMS has not proven that I owe them this debt or that they have the legal right to collect on it. 

I am requesting the immediate removal of this account from all credit bureaus for failure to validate and non-compliance with FDCPA and FCRA regulations.