23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. 

My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. 

My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. 

Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. 

At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. 

Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.
Product: Mortgage

we have lived in our home for 30 yrs. We are XXXX & XXXX yrs old. We have a son that is XXXX old who is a XXXX individual of XXXX. We have been scammed by our mortgage co as they have altered the income information greatly. Took my wife off the mortgage when she was the main source on income. Have a XXXX mortgage and we never took any money out of the house. My income was {$800.00}. per month from my part time job. The bank altered it to {$8.00}, ooo. per month. I did have an attorney look at the original loan documents and she has told us that it does most certainly appear to be fraudulent and it would take thousands of dollars to proceed. we do n't have the money we are broke. We would like the bank to make good on their error asap before foreclosure as the pressure and the stress at our age and XXXX are too much to bear any longer. We tried for a loan modification XXXX times with and without help with no success. They always needed more info or the info expired it was a two year process. I hired a group of lawyers to help us and they scammed us and also made us enter into a credit card program that was also a part of their scam. They are all under arrest and have been indicted by the XXXX XXXX XXXX 's office. that was over {$21000.00}. we lost. we have been in contact with that XXXX 'S office XXXX times after all their assets are seized some monies could be refunded to their victims. This has been going on since XX/XX/XXXX. We have no money to get a mobile home in a XXXX community, and we can not get any financing because our credit scores are not high enough and that is what I want to do. I am not looking to get rich over this but some money to buy a mobile home outright and some money for the anguish my wife and I have suffered would be satisfactory as this mortgage company has not helped us at all of even shown us some compassion from the beginning. They sold us a mortgage they knew we could not afford and would eventually foreclose on us. They know they are wrong we had an attorney put a cease and desist order on them as they were calling XXXX times a day and having me explain it over and over again. They have called some XXXX times since the cease & desist order was placed on XX/XX/XXXX. 
I am really at the end of my endurance financially, emotionally, and self worth their is nothing else for us to do. Soon we will be homeless I never thought my life would end this way after all the years of hard work this is what we have come to in our lives Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXX 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), XX/XX/2022 ( XXXX ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

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

I contacted TransUnion to let them know I was the victim of identity theft and asked them to remove XXXX fraudulent inquiries from my credit report. They responded with a letter saying they were not removing the inquires. I believe they are required by law to remove these fraudulent inquires and I want them to be removed immediately. They are XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Product: Debt collection

Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with Well Fargo in years past.. The Washington State Attorney General suggested I filed a complaint with Wells Fargo new attorneys.to the Washington State Bar for fraud on the court and class B felony for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX were forced to close in XXXX because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from Wells Fargo to XXXX XXXX XXXX. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.
Product: Debt collection

They are calling before XXXX and constantly calling during times I am at work or in school. I 'd rather just get correspondence.
Product: Debt collection

Today I received a call from this collection agency regarding an alledged debt. When i first answered the call, the representative told me that he works for a legal department and they were taking action against XXXX and they needed to speak with her. The representativr then told me I needed to pay XXXX or else I wouls be going to court. I told him I knew nothing of the debt and I wanted to dispute their claim and have them validate this debt. I was told no that i coukd not dispute since they had my information and that the attorney who they work for was going to take me to.court. I had no idea what this debt is.
Product: Credit card or prepaid card

I have been a customer with Chase Bank for many years with over an 800 credit score. They have drastically reduced the limit on my personal credit card, which has never been late nor exceeded the credit limit. This has negatively impacted my credit and caused my credit score to drop.
Product: Student loan

The main reason for this complaint has to do with the unnecessary back and forth after submitting all required application information for loan repayment and PSLF criteria. Fed loan required one to submit a copy of loans from XXXX and XXXX XXXX ( given the loans have been transitioned so many times not by my choice ), however, Fed Loan verifies these and incorrectly verified the total number of loans paid, and took around 90 days to do so ( initially submitted XX/XX/2020 ). Subsequently, each attempt to re-upload the information never correctly changed the amount of paid loans until 2 months ago ( 11 months after initial application ). Since then, no letter of acknowledgement of qualification for the Loan repayment program have been sent to me, just verbal acknowledgement that it can take 90 days but I " should '' be okay. Acknowledgement that Fed Loan has the correct information is given but without specifying what this correct information is ( particularly in regards to number of monthly payments acknowledged towards the 120 loan payments required. At this point I also only have a verbal acknowledgement that my loan status should be okay when Fed Loan transfers my loans to the next loan servicer without a written acknowledgement of my qualification for the PSLF program given the last 10 years I have worked in a community hospital. After over a decade of public service, while repaying my loans, all I have is a verbal agreement that the rest will be waived at this point.
Product: Credit reporting or other personal consumer reports

2 Bankruptcies dismissal due to no execution or validation.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 XXXX1 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask many times to have this account remove because its not my account my next next is to file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I leased a new vehicle from XXXXXXXX XXXX. At the end of the lease I purchased it and financed it through them. My Experian credit report reflects that the lease was discharged in bankruptcy. When I disputed this with Experian, XXXX responded to them that it was discharged in bankruptcy. When I contacted XXXX finance they refused to correct this information. I explained to the agent that she could clearly see where I bought the vehicle from them but still was unable to correct this. She contacted her disputes dept while I was on the phone with her and they told her it was discharged in bankruptcy. I had previously filed bankruptcy but the vehicle was not included in the filing. This mistake is adversely affecting my credit rating and Id like this corrected.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : $ {$250000.00}
Product: Credit reporting or other personal consumer reports

I added the following part to the letter to Equifax. 

Also, I found out my extended XXXX XXXX XXXX was removed along with XXXX XXXX alert. I have asked to remove XXXX XXXX alert. I enclose the fraud alert request form, which I submitted before. I expect your company shows the respect toward the victims identity theft, especially whose nationality is not the United States citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  received information from their source, XXXX XXXX, stating they removed the bankruptcies from their XXXX XXXX report and XXXX  refuses to remove it from theirs. XXXX also stated, the obtained the information about my bankruptcies from the bankruptcy courts. I sent them the letter from the bankruptcy courts, stating, they do not verify bankruptcies. I have been sending XXXX  this information from the year 2020. I have uploaded you the documents from all sources.
Product: Credit reporting or other personal consumer reports

I attempted to apply for auto insurance and received a letter stating that they could not extend coverage to me due to negative information on my LexisNexis Report. They should have not been able to access my report through LexisNexis being that I put a security freeze on it back in XX/XX/ and received confirmation it was frozen in XX/XX/XXXX XXXX  I will attach the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep revolving throughout different collection agencies with harassing and threatening calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Mortgage

Loancare is reporting payments as late every month. They are reporting this to credit bureaus and this has trashed my credit score and made it impossible for me to even get a credit card. Their reported information is not acurate as all of my payments have been made on time and well within the grace period. The bills we receive every month still have the same language as my original contract which states that payments aren't late until after the XXXX day of each month. My wife talked to Loancare on the phone and this issue was fixed in XXXX but they told her at that time that it would probably happen the next month also. They basically told my wife at that time that they would report it as late even if they were paid on the due date because it hadn't been processed on their end at that time. Basically this has happened every month since then so I have been dealing with this issue for 7 months. I have filed multiple disputes and sent the records of all my payments from my bank that showed when they received each payment. Recently they have since gone back in and marked me as being late for the 3 months and don't even show my XXXX payment. They are not applying my payments on time and then they are saying that I am late. This is costing me a lot of time and now money as any rates I might qualify for are going to be terrible.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, inconsistent, and questionable items that your agency didn't make sure it was reporting 100percent accurate. In accordance with the fair credit reporting act, everything has to be 100percent accurate on my credit report and under 15u.s.c1681e ( b ) and 15u.s.c1681i ( 5 ) these accounts are in violation of not reporting 100percent accurate.XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  account # XXXX The credit reporting bureaus stated that these accounts weren't properly investigated and came back verified. however, how is this true how is this true when there is several inaucacies showing on my report? As a consumer, I request to know all the steps your agency took to insure that these items were 100percent accurate under 15u.s.c1681i ( 7 ) method of verification-description of reinvestigation procedure. Resolution as a consumer, by law my credit report must be 100 percent accurate immediately by the credit reporting agencies to delete the accounts listed in my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MILITARY STAR XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.