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

So I filed a dispute with TransUnion about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said a 3rd party company they use to verify the information confirmed that the information was accurate and correct. I then called them and said please tell how the information was verified and the said they use a company call XXXX, I then told them that how was it possible that XXXX verified my information when I have a security freeze on my account with this company. I contacted XXXX and asked how them how did they verify the information I was disputing and they said they contacted the court where I filed my bankruptcy, I informed them that I had a letter from the court clerk that states, they do not report to 3rd parties and credit bureaus, I sent this letter to Transunion with my security freeze letter from XXXX, So this is proof that a FRAUDULENT verification was conducted or not done at all. So I ask that this be removed from my credit report IMMEDIATELY.
Product: Student loan

I've been enrolled in the Public Service Loan Forgiveness program for years, approved initially when XXXX serviced my loans and recently MOHELA. In XX/XX/XXXX, Mohela sent me documentation stating that I had seven payments left to get PSLF, including my job history until XXXX. I submitted paystubs and my XXXX XXXX to confirm that I still have the same employer. I have plenty of documentation indicating my enrollment in the PSLF program for the required ten years of payments under the limit waiver. On XX/XX/XXXX, I received an email from studentaid.gov saying that my current nonprofit job of seven years is not eligible for the PSLF. The email had a link that stated what next steps I could take, but the link sent me to a blank page on the Federal Student Aid website. 

Then, on XX/XX/XXXX, MOHELA submitted documentation stating that I was still enrolled in the PSLF but now claimed that I still had XXXX payments left until I got PSLF. I want to ensure I get my student loan debt discharged through PSLF ( i.e., that the federal government honors my time in the PSLF and its past approval of my employer ). I was encouraged years ago by a XXXX representative to sign up for PSLF. For several years, I relied on information from XXXX that indicated my payments through my nonprofit employer qualified under PSLF. XXXX and MOHELA have kept a record of my time in the PSLF. On the cusp of getting my loan discharged for ten years of PSLF participation, studentaid.gov now tells me I am not eligible, and Mohela changed the number of payments left until PLSF. I am frustrated and agitated. 

As a military veteran who served this nation, all this feels like a slap in the face. My loan servicer provider and the Dept. of Education aren't communicating or on the same page. I'm close to PLSF, and now the rug is being pulled from under me when it seems like I will get loan forgiveness. It's unacceptable since I am dealing with financial uncertainty and emotional distress due to contradictory messages from MOHELA and studentaid.gov. I am in the process of seeking legal counsel from the XXXX XXXX XXXX XXXX XXXX XXXX at this time. But I also want to file another CFPB complaint against my loan servicer.
Product: Credit card or prepaid card

The credit card company, Bank of America, received a payment for the balance and this account and then we requested the account be closed. Bank of America received a second payment in the amount of {$2400.00} from XXXX XXXX in error. The account is currently reflecting a credit balance and Bank of America is stalling and screwing around, taking their time getting this money back to me. They have now had a credit on a closed account since XXXX/XXXX/17 and the funds still have not been returned to me. They have told me it could take up to 60 days which is unacceptable as they are making interest on money not due them!!!!
Product: Student loan

I was signed up for Paperless Billing and did not receive any notice from FedLoan servicing that my bill was due in XXXX. In XXXX I spent six days in the hospital and had to have an unexpected XXXX and another in May. In XXXX, my wife and I were reviewing all of my medical and personal bills to ensure we had everything under control. To my surprise my credit score had dropped and I was several months delinquent on my four student loans. Had I known about the payment due I would have set up arrangements as I was intending on returned to school to finish up my degree after my illness. My student loans were put on forbearance, but they refuse to do anything about the delinquency on my credit report even though I did not receive any notice from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am studying XXXX and i was using a service called XXXX XXXX XXXX  in XXXX illinois. But the service didnt offer what i needed and they told me to give me a full refund back in XXXX and XXXX of 2019. I made a payment with my bank card XXXX to take this course for XXXX  boards to become a XXXX. I informed XXXX that they were giving me a full refund. XXXX credit card member services did not contacted me instead reported my card as fraud at first and then i had get back in contact with them. after months of waiting on a refund from XXXX XXXX. i recieved partial refund and i did do my payment. Due to XXXX correspondence back XXXX and XXXX i was told i have no payment due. but when i got my partial refund i was reported to pay XXXX because i was suppose to get full refund but since it took so long for the case to resolve i reported XXXX XXXX  XXXX to XXXX and they are giving me a refund of XXXX dollars but XXXX have put it in my credit even tho they have had correspondence of letting me pay it when this case is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is XXXX second XXXX XXXX third is equafax
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved
Product: Mortgage

I have second hand knowledge of this. This conversation came from someone at the top of XXXX XXXX. 

Please. This is confidential information but I have been made aware of fraudulent activity between XXXX and their preferred lender, First Colony Mortgage to incentivize home sales since the market has shifted. XXXX  has contributed a substantial amount of money to First Colony to allow a rate buy down. They are essentially double dipping and exceeding industry tolerances for an interested party in order to sell more homes I work in the mortgage industry and am close to the source on this so I cant be involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX 60 dyas in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Student loan

I am currently XXXX XXXX XXXX XXXX. ALL of my loans should show as deferred due to my current school enrollment. I addressed this in XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by Capital One Bank 's alleged attorney 's office via USPS claiming that I owed Capital One Bank {$8300.00} on XX/XX/XXXX. However, when I asked their attorney to verify the debt/amount due, they refused. I asked for the verification because in XXXX, Capital One Bank suffered a data breach that affected me as a customer, as I was told by XXXX of their representatives that someone opened an account under my name, and I believed the debt they claimed I owed is incorrect. Instead of verifying the debt, the law firm allegedly hired by Capital One Bank or the law firm that bought the alleged debt filed a lawsuit without properly notifying me with a summons. Upon my research of the law firm and their shady business practices, I decided to check court records and that's how I knew there was a pending lawsuit against me. As I retrieved the court documents and an affidavit produced by either the law firm or Capital One Bank, I used XXXX to identify the affiant and the notary public who signed what seems to be a false and robo-signed affidavit with two different companies. Now, doing further research, I see that XXXX XXXX XXXX was fined by the CFPB for predatory robo-signing practices and Capital One Bank along with their debt buyers are practicing the same fraudulent tactics that should be investigated, immediately! Attached to this complaint is an explanation for my claims against Capital One Bank and I am seeking monetary relief for damages as a victim of their shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Product: Debt collection

I just went to the court house of XXXX XXXX and went to the record department to find XXXX pages of complaints and false judgements tell autovest next time they attempt to lie and say they served me and lie about several things to make sure the contract has an account number this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I need this resolved ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed the documentation related to the aforementioned account, and it has come to my attention that the charge-off entry is incorrect. I have never received any written validation notice as mandated by USC 1692g. Furthermore, the accuracy of the charge-off entry itself is questionable and could potentially be a violation of 15 U.S.C. 6801, as there has been no prior notification of any charge-off proceedings. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 


I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit reporting or other personal consumer reports

I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections XXXX ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.
Product: Mortgage

This is a follow up to a previous complaint that was closed to a lack of response on my end ( Complaint No. XXXX ). My father passed away and my mother-in-law passed away all within a few months of each other and I let this issue move to the back burner. 

The response provided by the company ( NewRez ) in this complaint didn't address my concern at all. My two main issues were that the policy that they claim doesn't allow a home to be given a value has not been provided and that even if a home is under renovation, it still has a value.

As mentioned in the NewRez response, the requirements of the PMI cancellation don't have anything to do with a home 's condition, only its value and the payment status, both of which allowed me to qualify for the removal of PMI. I feel that NewRez is intentionally avoiding addressing these main issues as they want to continue to charge me for PMI that is not required.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, Experian and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, Experian and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, Experian and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Product: Debt collection

I keep receiving calls from this number at my place of employment. They never answer and they just hang up. I don't even know who they are trying to reach. When I dial the number back a woman answers the phone with rapid fire speech so I can't understand what she says and when I start to tell her why I am calling she hangs up on me. 

I found them online by XXXX the phone number XXXX http : //www.receivablesperformance.comXXXXXXXX Mailing Address Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear XXXX, I am writing to formally dispute a fraudulent account reported by XXXX XXXX XXXX XXXX on my credit report. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX ( XXXXExperian ) Account Type : Open account ( Collection ) Date Opened : XX/XX/XXXX Balance : {$510.00} I believe this account is fraudulent and does not belong to me. I did not authorize this account, and I am a victim of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this fraudulent account from my credit report. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, which I am including as supporting documentation. 
Please find attached copies of the following documents : 1. FTC Identity Theft Report. 
I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation. 
Thank you for your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Tried to make a payment and the call dropped, now they have been calling 3 to 4 times a day, got an agent on the line and asked for a supervisor and he transferred me and said he has one of his associates on the line, I asked is it was a supervisor, he said yes she is a supervisor and an associate, she was on the, I asked her if she supervisor and she stated no but has the same authority, I told her about why I was calling and why I wanted supervisor, she then stated she would stop all calls, but supervisor couldn't call either, I told her that I wanted supervisor to call. I asked how I would know it was the supervisor and not automatically dialer, she then said because she stopped calls, but would have them call
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX