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

I was in prison from XXXX until XXXX. During that period someone used my personal information to open many accounts. All but one account ( XXXX XXXX XXXX ) has been removed from my report. The supporting documents clearly show that I was in prison. A XXXX search would also verify that I was in prison. I have disputed this item no less than 6 times and have shown Equifax that XXXX XXXX XXXX ( XXXX ) is acting in bad faith. XXXX has even tried to extort me, stating that if I gave them {$3000.00} they would take the entry off my credit report. I shared this information with Equifax and XXXX. Both reporting agencies say there is nothing that they can do, that XXXX is basically in charge here and they won't take it off unless XXXX approves. A law is being broken here. Neither XXXX or the reporting agencies will provide me with the proof that I personally rented this apartment. They are relying on information used by an identity thief who had all of my ID. I would like the XXXX entry removed from my report and would specifically ask that both reporting agencies be reminded that they have a responsibility to both consumers as well as those that pay them.
Product: Debt collection

Back in XXXX of XXXX, My mortgage company made a switch to Mr. Cooper. During the transfer, my automatic withdrawal that have been active since I got my mortgage back in XXXX, got cancled, making me massed XXXX and XXXX payments. Spoked to a Mr. Cooper employee who assured me that there was an error during the merging on the company back in XXXX, some documents wasnt crossed over properly, however, I wont be penalized due to the fact that it wasnt tmy fault. Caught up and brought my account current. Come to find out, my mortgage has increased by {$200.00} and change. Without me receiving any notification or communication. To my surprise, yesterday my credit scores dropped by almost XXXX. Mr. Cooper had sent my account into collection, without any warning or notification. Ive never missed a payment for the past XXXX. I want to resolved this. Ive made all the necessary payments, and i would appreciate if they ( Mr. Cooper ) removed the collection from my account. Cant be penalized for systematic error or lack of proper communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING AN ISSUE WITH TRANSUNION VIOLATING MY CONSUMER LAWS. THEY ARE NOT FOLLOWING THE LAW. 


1. XXXX Account XXXX : XXXX RE : Reinvestigation/ Dispute inaccurate information on my credit report. 

To whom it may concern, I recently disputed this account due to inaccuracy and validation of this account, not only has this account not truly been validated according to 15 USC 1681 Truth in lending nor by Section 609 ( a ) ( 1 ) ( A ).

1. I also wanted to inform you that since, XX/XX/XXXX, through XXXX XXXX, all federal backed student loans have been placed in administrative forbearance due to the COVID-19 pandemic. This means that there should be NO derogatory remarks reporting on my consumer credit report. XXXX Account Number : XXXX This account has been inaccurately reporting negative remarks from XX/XX/XXXX -XXXX XXXXXXXX. This is clearly inaccurate from the photos I am sending as well. PLEASE REMOVE IMMEDIATELY. The investigation must be completed 15 days after receiving this request pursuant to 15 U.S.C 1681i ( 7 ).

Pursuant to 1681 U.S. C. 1681e ( b )., 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
Product: Vehicle loan or lease

XXXX and XX/XX/2020. They show me late once on my auto loan.i take my credit very seriously .I was never late.they had a billing error taking out my automatic drafts that month.i even sent them emails showing that I was in contact with them the day after the payment was not taken and was assured it would be ok.They never removed the one late payment from my 3 credit reports.I have since paid off this vehicle, but this is unfair and deceptive tactics.this is bad business and they need to fix their mistake. My ss # is XXXX dob XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report. I did a thorough investigation on my credit and I don't authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The lender denied this file in XX/XX/XXXX and still has not provided a denial letter for the appeal process to be entered - we have submitted a loan mod package for review on XX/XX/XXXX and it was denied by XX/XX/XXXX due to the sale date being XX/XX/XXXX and not having 37 days prior to sale to review the package - the lenders reason for denial in XX/XX/XXXX was They stated income showed client could n't afford the home or repayment. XXXX payments behind as of XX/XX/XXXX according to the calculations we entered : loan payment = {$650.00} income used for denial review XXXX = {$2200.00} dti = 28 % affordable - We are disputing the fact that the client does show the affordability to maintain a current pmt once modified. we feel the lender did not calculate the income vs expenses and DIT correctly - the appeal process should be granted and the time allowed for this to be reviewed prior to any sale date occurring.
Product: Debt collection

Transunion and XXXX  credit bureaus have failed fo remove improper account from credit bureaus. XXXX XXXX  and XXXX XXXX XXXX submitted improper document through courts costing me bad credit. Company agreed to remove from bureaus. XXXX  has already removed all proper documents hsvr been attached
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DOE XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I dispute the debt on my account being pursued by your agency. Please provide details on the debt, including the amount, original creditor, and fees. Confirm your licensing to collect in Florida, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, produce the Forward Flow Agreement associated with my account. Cease collection activities until the requested information is provided within 30 days. 

I previously submitted a complaint to CFPB ( complaint # XXXX ) and was advised Company responded you may have been a victim of fraud. No actions have been taken from furnisher.
Product: Debt collection

My complaint is not part of any of the above categories. I hope my complaint will be considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have this credit bureau investigate my credit file I have accounts on my credit file that dont belong to me. pending the outcome of this investigation please havre this credit bureau reomove this information that isn't correct and update mfy credit report with 100 % accaurate information on my credit file. Thanks
Product: Checking or savings account

When trying to transfer my Roth IRA from Commerce Bank to XXXX, Commerce Bank ( XXXX XXXX ) sent my funds via regular USPS on XX/XX/21. I continued to follow up with XXXX to see if they received the funds and as of today XX/XX/21 they still have not. When I spoke with XXXX ( who would not give me his last name ) at XXXX he said they wouldn't accept the funds at this point because it was beyond 10 days since the cashiers check was issued. He told me to call Commerce and have a stop payment put on the cashiers check and have it make out to me personally. I told him I did not want to do this for tax reasons, but he said that was the best way to handle it. When I called Commerce to ask them to place a stop payment on the check, and issue one to XXXX on my behalf by wire or XXXX XXXX mail, XXXX said they can't put a stop payment on a cashiers check for 90 days. My IRA is closed with Commerce, I am not earning interest on my account because the money is sitting in some post office somewhere. It should have never been sent via USPS in the first place. XXXX will not send a letter to Commerce saying they have not received funds, which is what Commerce is now requiring to make an exception to put a stop payment on the cashiers check. I have no idea where my money is, my account is closed and I am being given the run around by both institutions. I need help. I want to made whole, by having commerce wire not only the original funds, but the additional interest I would have been earning at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to XXXX, Equifax and XXXX. 

The credit bureaus have not updated my account since XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

irs said they sent my refund check in XXXX deposited it into bank of america but i don't have an account with bank of america talk to irs refund department they said i had to wait 120 days for replacement irs said i would receive the refund by XX/XX/year> but i haven't received it yet i received a letter from irs that said contact bank of america to send the refund check back to them but bank of america said the wasn't in my name so they couldn't discuss the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my last and final attempt to sent a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}
Product: Debt collection

Credit report shows fradulent account in collection with Trident Asset Management.  Credit report states account was opened under XXXX XX/XX/XXXX, and the date " deliquency first reported '' is less than 1 month later, XX/XX/XXXX. However, " date of first deliquency '' is almost two years prior, XX/XX/XXXX. 

I have only ever had an account with XXXX for a very short time before the XXXX buyout, starting in XXXX XXXX. The debt owed is NOT my personal debt and I have received zero notices from Trident regarding this deliquent account. Attempts to contact the company directly resulted in the company violently terminating the phone call without prompt. Clearly they are VERY LIKELY engaging in illegal activity and fraud, given the amount of reports listed on this website and others ( XXXX, BBB, etc. ). 

I have filed disputes with XXXX and the other bureaus are pending. If necessary, I can followup with XXXX to confirm I have never had an account in or around the dates Trident Asset Management has listed.
Product: Debt collection

I have been called repeatedly for at least 6 months by a caller ID identifying itself as XXXX, NJ and a phone number. I never picked up as know no one in XXXX. Today they called and left a message : '' Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. Thank you. '' I think this is a scam as I have no bad debt. I just got my XXXX free credit reports that I am allowed per year and none say anything about any collections due. 

I am worried that they may damage my credit so I want you to get them to realize they are wrong and to leave me alone. 

Thank you for any help. 

I will also put a free fraud alert with one of the credit reporting companies so that they will share that to the other XXXX. 

Cheers, XXXX XXXX PS I am also on the Federal Do Not Call List so they are in violation for that too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$45000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX  XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

AS per guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me XXXX XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  debt according to XXXX  under final rule 1002.142 ( b ) ( 4 ) -5 -- block XXXX information from my credit report within fours business days pursuant to section 605c of the fair credit reporting act.i an victim of XXXX XXXX of debt bondage won would like for all listed accounts blocked and delete the following accountsXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with Gatestone ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( Gatestone ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from Gatestone on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call Gatestone to resolve. I have called Gatestone numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from XXXX for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!
Product: Credit card

SYNCHRONY BANK offered to upgrade my Paypal Smart connect to a Paypal Extras Mastercard. According to all paperwork given, the new account would have all my account history transferred over. My old Paypal SC account has been closed on my credit report and a new account for the Mastercard open with a new account date of XXXX XXXX instead of XXXX XXXX. This has caused my credit score to drop as it looks like i have sought and received new credit when infact it is the same credit line as before but under a different product type. As such, this violated the Fair Credit Reporting Act, which requires the bank to report only accurate information. Stating that i have opened a new account, when in fact i have not. I could understand if i initiated the upgrade, however the bank did and not me.
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. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX XXXX  ACCOUNT # XXXX * XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX # XXXX * XXXX ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX  ACCOUNT # XXXX * XXXX XXXX # XXXX THESE ( 19 ) ACCOUNTS 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 : also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not 100 percent accurate.

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Student loan

I am submitting this formal complaint against MOHELA, my federal student loan servicer, due to their repeated failure to address a critical issue regarding the misallocation of my loan payments and their unacceptable customer service practices.For the past XXXX weeks ( since XX/XX/year> ), I have attempted to resolve this issue by calling MOHELA more than XXXX times. 

Each time, I am forced to wait XXXX hours for a callback, only to be told that I need to be transferred to another representative. This transfer results in another XXXX hold, after which the call inevitably drops. Despite these repeated failed attempts, MOHELA has refused to offer a direct callback from the person responsible for handling my issue. 

I also attempted to resolve this matter via email, but they informed me that assistance is only available by phonedespite the fact that their phone system has proven ineffective.The core issue is that MOHELA has been automatically applying my loan payments to my lower-interest loans instead of my older, higher-interest loans. This misallocation has cost me additional interest, and each day that this remains unresolved, I am incurring further financial harm.MOHELAs failure to address my concerns, the excessive hold times, their refusal to provide callbacks, and their lack of alternative resolution methods constitute unfair treatment and grossly inadequate customer service. 

As a federal loan servicer, they have a responsibility to assist borrowers in managing their debt effectively, and their continued inaction is a direct violation of that responsibility.I am requesting the CFPBs intervention to ensure that MOHELA : Immediately reallocates my past payments to my higher-interest loans. 

Provides written confirmation that the correction has been made. 

Ensures that future payments are applied according to my instructions. 

Improves its customer service processes to prevent excessive hold times and the refusal of direct assistance. 

I urge the CFPB to investigate this matter and take appropriate action against MOHELA for their failure to provide adequate borrower support. I appreciate your attention to this urgent issue and look forward to your assistance in ensuring a resolution.