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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX XXXX XXXX/XXXX, XXXX XXXX/XXXX and on XXXX/XXXX/XXXX XXXX XXXX/XXXX XXXX pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my Experian credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXXXXXX XXXX XXXXXXXX, I began alignment treatment with the XXXX XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX has filed for bankruptcy, thus is no longer in business. I was unaware that this was a possibility when just a few months prior I requested for another extension of my treatment. Of course the worker helping me either, didnt know, or couldnt tell me, that I would not have the opportunity to continue treatment. In all honesty, I have received countless emails from XXXX XXXX XXXX to pay off my account early and to buy retainers before my treatment was finished, and no attempt to connect me with my supervising dentist XXXX XXXX about how to finish my treatment. When I described by concerns being a fit issue, I was recommended to file my aligners down when the issue was that they were too small ( Contacted them XXXX ). 
In XXXXXXXX XXXX XXXXXXXX, I was approved for my touch up, and I requested to receive a scan in XXXX, to avoid further fit issues. Those aligners never shipped, and my appointment wasnt scheduled, and the rest of that treatment didnt go well. By XXXXXXXX XXXX XXXXXXXX, I contacted both HFD XXXX XXXXXXXX because I couldnt access either account. I think this is concerning to me because XXXX XXXX HFD worked deliberately to only access my account for payment, but no value for me as a customer. Healthcare Finance Direct was only the payment processor for XXXX XXXX XXXX. I was unable to gain access to my XXXX XXXX XXXX account because the app shut down, and then couldnt gain access to my HFD account. I also reached out to HFD and Better Business Bureau to discuss my concern about continuing payments for incomplete treatment. I have also reached out to my credit card company to help, and they couldnt stop payments without the approval from HFD. XXXX has not reached out to me to help, but instead sent HFD to collect payments. I have been dealing with this issue for the last 5 months.
Product: Debt collection

My information was compromised on the XXXX data breach. I was in over five years and a lot of the information is accurate on my credit report
Product: Mortgage

On XXXX XX/XX/XXXX, I mailed my first mortgage payment in the amount of {$1900.00}, to pay ontime for XXXX XX/XX/XXXX. By XXXX XX/XX/XXXX, I realized that my check had not cleared with my credit union. So, on the same date, contacted AmeriSave. Below is my email response after learning of AmeriSave 's issues with picking up their mail " It was a pleasure speaking with you as well via telephone. During our conversation on a recorded line, as you noted, I stated to you that I mailed my XX/XX/XXXX mortgage payment to your AmeriSave XXXX address on XX/XX/XXXX. You responded stating that we ( Amerisave ) have had problems with the delivery of mail and that I would not be charged a late fee. Although you provided me with options to make my XX/XX/XXXX mortgage payment, I chose not to take any further action since I was not aware of your problem with mail delivery. The operation of AmeriSave is disconcerting when my check has not cleared in over 25 days. Any business that I am aware of would be concerned about their cash flow. I truly appreciated you returning my two phone calls to AmeriSave yesterday and providing me with pertinent information to begin XX/XX/XXXX, the electronic processing of my mortgage payment. Thank you for your professionalism and courtesy. '' On XXXX XX/XX/XXXX, I received a mortgage statement. The statement does not show my XX/XX/XXXX payment. It shows that the payment due is {$3800.00}.
Product: Vehicle loan or lease

I went to XXXX XXXX to buy a XXXX XXXX  with XXXX down payment. 
I was only presented with XXXX option to buy the vehicle even tho my XXXX XXXX was over XXXX. 
And I was told the rate was XXXX  % and could refinance it right away with no penalty. 
I made the interest payment like I was told by the lender for the first 2 months and when I tried to refi the XXXX I found out the rate was actually XXXX  % and that I now was 2 months late on the payments because I was only paid the interest. 
I tried to get the interest rate and payment lowered and was told they have no other products and that I would have to keep the loan or get it refinanced in which I cant because the payoff was higher than the XXXX was worth. 
Then after I paid on it for XXXX  years I had to take out a loan for the same amount that I paid for it and now I am out XXXX  of dollars and still paying on a XXXX  that should have been paid off years ago.
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personal identifiable information ( PII ). 


XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 


XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 

XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 

XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 

XXXX. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within XXXX days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 


Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Student loan

I contacted my loan servicer on XX/XX/2022 about getting a refund for the amounts I paid since the Covid-19 emergency was declared. This refund is applicable in accordance with the Presidential executive order that allows student loan refunds for all amounts paid during the Covid-19 payment pause. 

The amount to be refunded to me is {$7300.00}. I was initially told on XX/XX/XXXX, that this process would take 4-6 weeks to receive a refund in my bank account. 

I contacted Aidvantage again on XX/XX/XXXX and was told the timeline has changed from 4-6 weeks, to 6-8 weeks to process the refund. 

On XX/XX/XXXX, I called Aidvantage again, and they told me the timeframe would now take 8-12 weeks. 

Each time I called, Aidvantage placed blame on the Department of Education, claiming that only they can " approve '' a loan refund. I finally decided to call the Department of Education and they informed me that there is no approval process that involves the Department of Education. According to them, my loan servicer ( Aidvantage ) should have given me a refund within 45 days of it being requested. 

Aidvantage seems to be dishonest with their excuse as to why the refund has not happened yet, and their refund timeline has been arbitrarly moved each time I contacted them. There is no trackable progress being made, or anyone there that can help get this done. Aidvantage has records of all payments made by me during the student loan payment pause and it should be straight-forward to refund this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has made multiple unauthorized Inquiries on my credit report the following includes, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX. Remove all inaccurate inquiries I have listed immediately. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the following month need to be updated to payed in full. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account from XXXX as an individually responsible charge off, thats entirely false in it if itself. I would like the account removed immediately. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On   XXXX   XXXX  , 2017 I paid my collection to   XXXX   XXXX   XXXX   for a debt owed to   XXXX   XXXX   XXXX   in the amount of {$350.00}. In the last two months I have been recieving phone calls from Diversified Consultants from a North Carolina number ( each time a new number but always from NC ). I have informed them multiple times that I have already paid this debt to another agency. I even called the agency and  XXXX  and verfied that it was paid and the debt is no longer owed. Today (   XXXX   XXXX  , 2017 ) I recieved another phone call and the gentleman began to have an attitude/nasty with me when I informed them once again that I did not owe and I would not be paying them. I do not owe this debt and I would REALLY like to stop recieving phone calls early in the morning from them. They call me at least 4 out of 7 days in a week. Enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX. My husband, XXXX who is a XXXX vet, loss income in XXXX due to COVID. We managed to pay the mortgage until savings depleted. Then had no choice but to apply for COVID hardship in XX/XX/XXXX. 
XXXX XXXX Loss Mitigation approved us for COVID-19 forbearance which stated that any suspended payments would be added to the maturity date of the loan and no lates would be reported to credit agencies. 
XX/XX/XXXX, we regained income XX/XX/XXXX resumed payments and have since paid timely XX/XX/XXXX received notice to pay missed payments and when we contacted the collection company, they said that the mortgage company showed us as owing a balloon payment. We have tried calling XXXXXXXX XXXX  to figure out how this happened, but lines are always busy. 
XX/XX/XXXX account sent to collections and 30 day late reported to credit agencies. We contacted a XXXX Loan Counselor who placed several calls/messages to XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX to explain that late/suspended payments due to loss income as a result of the pandemic are not supposed to be reported to the credit agencies. 
XX/XX/XXXX, and XXXX XXXX, called again. Was able to speak to XXXX XXXX  XXXX ( XXXX XXXX XXXXXXXX ) who research our account and explained that someone pushed a payment deferral which caused the problem. 
XX/XX/XXXX XXXX still not fixed and collections continues to report late payments to credit agencies. PLEASE HELP US.
Product: Credit card

I demand that these late payments are reversed as this account does not match my records. I was never late on this account. Additionally, transaction history is not suppose to be reported on a consumer report or else it will violate the Fair Credit Reporting Act otherwise known as 15 U.S. Code 1681.

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of that is alleged owed. This is not a request to verify debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provider payment due to you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the US Dept of EdXXXX account XXXX XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : Last Active Date : Experian : XXXX XXXX : XXXX XXXX : XXXX Account Status : Experian : Collections or Government Claim or Terminated for XXXX XXXX : Fixed Rate XXXX : No status listed Late Payment Status : XXXX : Was 90 Days Late XXXX Times Experian : No late payments listed XXXX : No late payments listed These discrepancies indicate that the information being reported is inaccurate, inconsistent, and violates my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate information to credit reporting agencies. The conflicting reporting of the last active dates, account statuses, and late payment history across the three credit bureaus is a clear violation of this provision. Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The current discrepancies indicate non-compliance with this requirement.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of this account as being in collections or government claim or terminated for default, especially when there is no consistency across the bureaus, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the US Dept of Ed/XXXX account XXXX XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting these corrections.
Product: Debt collection

ACCOUNT RESOLUTION CORPO trying to collect {$980.00} for XXXX XXXX XXXX, the original creditor. 

XXXX XXXX XXXX claims they performed services at a specified date. They never contacted me or sent me a bill. I only heard from the collection agency, ACCOUNT RESOLUTION CORPO When I contacted XXXX XXXX XXXX, they could NOT provide me a bill to review. 
This has damaged my perfect credit report. If they had contact me, same address and phone number for over 5 years, I could have resolved it without damaging my credit. 
Please help remove this from my credit report. 

Collection Agency ACCOUNT RESOLUTION CORPO I have no information from original creditor, XXXX  XXXX XXXX. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

It's all over the news, but I haven't received my quarterly bonus check or my regular paycheck. Total amount is around {$3000.00}. 

I have a bill due on the XXXX, no gas in my car, barely any groceries. I can't get to my work office. 

This began occurring on XX/XX/year> according to Capital One, but I usually receive my early deposit around XXXX on Wednesday ( weekly paycheck ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX  bank account number XXXX Credit report is showing a balance of XXXX However, the account was closed and written off. When I reached out to the company, I was told to fill out a XXXX and file my taxes. I was not able to pay off anything on the account because the account was closed. 

I filed my taxes and it has been acknowledged by the IRS. However, it is still coming up on my credit report with a balance. I spoke to the company and they say that theres nothing else they can do but supply with a XXXX I need this trying to purchase as soon as possible.