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

When I log onto Equifax, it will not let me view my Equifax report or anything on it. Instead I get a pop up with the code XXXX and directed to call Equifax. When I do call all they do is escalate the issue and the problem does not get solved. I've spoken with supervisors to no avail, and my issue has yet to be resolved. I have been trying to remove incorrect items on my credit as I have done with other bureaus without issue. Yet somehow I can't even see my credit score or file.
Product: Student loan

Nelnet purchased my student loan during the pause. I am able to make payments now that the pause is over. I have received multiple automated calls from them informing me the pause is over & multiple emails from nelnet urging me to set up an online account. When I try to do this and enter my SSN and DOB, their system tells me that I need to call them because they do not have a valid email or phone number to set up multifactor authentication -- -BUT THEY HAVE EMAILED AND CALLED ME MULTIPLE TIMES!! I did not receive my statement in the US mail with ample time to mail a payment back-the statement was dated XX/XX/XXXX, but it did not arrive in my mailbox until Saturday XX/XX/XXXX, with a due date of XX/XX/XXXX, giving only 5 mailing days for a return payment. So I have been diligently trying to make an online payment and I've tried calling them to set up my account since Monday, XX/XX/XXXX ( their call center is closed weekends ). Expected hold times have been anywhere from 80min to 3 hours when I've called, and I held for 2 hours one day only to be disconnected on the transfer. I'm just trying to make a payment! I should not need to go through multiple levels of security to set up a payment especially when they used the method of contact they say they need multiple times to reach me. It's unreasonable to have over 2 hour hold times to simply set up your account. Security measures are important, but should not be implemented in a way that they hinder a customer 's ability to make payments when they're taking on thousands of new customers. There should be another option than making a phone call if their call center is not staffed for this.
Product: Debt collection

Guglielmo & associates. A guy named XXXX threaten me with a lawsuit I did pay him XXXX a month. He took more money out of my account. And he said that it would have the company name on my bank statement. It doesnt it says fast phone pay for {$30.00} every month. I didnt give permission for XXXX to come out of my account. And this company said I never paid. I was paying finger hut every month {$25.00}. I dont understand how I was late on this payments I was all most paid off. Where do they get {$400.00} at and for what. This company is a rip off.
Product: Credit card

I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

they have been raising my payments and when I call to speak with them they are very rude and get upset because I speak XXXX. I called you all and told you about my complaint and I have my daughter checking for the report number but it say I don't have a complaint number can you please call me XXXX XXXX  speaking please
Product: Mortgage

I am behind on my mortgage and had previously submitted documents for mortgage assistance. I was contacted by a new representative at Shellpoint who told me over the phone about a possible trial modificationbut I have not received anything in writing. The terms she shared are completely unaffordable : my payment would increase from approximately {$1000.00} to {$1600.00} per month, and I would be required to pay {$1900.00} upfront just to begin the trial. I can not afford these terms, and no explanation was given about how they were calculated or why the payment would be so high. 


I was also told that my loan modification is still under reviewnot officially offeredand then shortly afterward, I was contacted by another Shellpoint representative to schedule an internal home inspection. I am extremely concerned that this inspection will be used as justification to deny me assistance, especially since I have not yet received a formal offer or response in writing. 


My home is in livable condition but has deferred maintenance due to financial hardship, including roof damage, a broken window, and unfinished bathroom repairs. I fear that Shellpoint is using the condition of the home as a way to disqualify me, despite me doing everything I can to stay current and keep my home. I feel that I'm being set up to fail rather than being offered a real opportunity to get back on track. 


I have been informed that XXXX XXXX XXXX XXXX XXXX is the investor on my loan, and I believe they are ultimately responsible for approving or denying any modification terms offered by Shellpoint. 


I previously filed a complaint with the CFPB due to XXXX  mishandling of my mortgage assistance case, including poor communication, lack of updates, and failure to leave voicemail messages. That complaint was marked closed after they updated my contact settings and assigned a new point of contact. However, this current complaint is unrelated and concerns the unaffordable trial modification terms I was told about over the phone and the internal inspection being scheduled before Ive received any written offer or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Please verify the following 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
Product: Money transfer, virtual currency, or money service

I received payment on Venmo this week for a service I provided. When attempting to withdraw the funds to my bank account it failed and I received an e-mail stating that my account was suspended due to violation of their user agreement ( no such violation occurred ). Suspended accounts have no access to their funds. The email indicated I need to prove my identity with identification and I have provided a scan of my passport to them. I have not heard a response, and I'm unable to reach a human contact as they have near fully transitioned their consumer help center to unhelpful AI chat. 

Upon further research online this appears to be a common practice with them. 

Venmo account : aaronxphillips e-mail associated : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cares Act of XXXX CoVid-19 Good Will Late Payment Removal Request Name- XXXX XXXX DOB- XX/XX/XXXX Last 4 Of SSN- XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number- XXXX Opened- XX/XX/XXXX Secured Card XX/XX/XXXX To Whom It May Concern At The Office of The CEO XXXX XXXX XXXX  XXXX Corporate Office Thank you for taking the time to read this letter. Im writing, because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my XXXX XXXX  account XXXX. 

I want you to know that I understand my financial obligations, and if it werent for me being affected by a job loss due to COVID-19, Id have an excellent payment record. I made a mistake in falling behind, but since then I have gained another place of employment and I have caught up with my payments this XXXX. 

According to the Cares Act of XXXX, If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I am fully exercising my consumer rights under the Cares Act of XXXX and I am requesting that my XXXX XXXX  Account with account number XXXX, be updated with all 3 of the major credit reporting agencies as paid and full and never late according to the provisions of the Cares Act 2020 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I have a spotless record of on-time payments since this late payment occurred. Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late that occurred in XX/XX/XXXX from my XXXX XXXX  XXXX under Cares Act XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Thank you for your consideration, and I hope youll approve my request. 
Warm Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to provide Method of Verification for the item listed below within the time set forth by law, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) .... Midland Funding XXXX Date Assigned XX/XX/2016 Balance {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$160.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from XXXX. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.
Product: Debt collection

Portfolio Recovery keeps harassing me about an old debt from 12 years ago and said it iwill renew again in XX/XX/2023. I asked them to send me documentation and they refuse and said they don't do that. I don't appreciate getting harassed on a Sunday and they called me yesterday. She said I can't hear you 3 times and made me say Yes this is XXXX. I am afraid they took my Yes to mean this was my debt. I never agreed that I owed this amount. It was written off years ago. She was very threatening to me and didn't appreciate it. Wanted me to make a settlement over the phone and without any documentation, I would not agree to anything.
Product: Student loan

My new loan service provider is Nelnet, which acquired my loan from Great Lakes. I attempted to pay my loan on XX/XX/XXXX at XXXX XXXX, with the due date of XX/XX/XXXX. Nelnet would not allow me to make a payment until XX/XX/XXXX and told me that I had to pay late. I just want to pay my loan on time.
Product: Credit reporting or other personal consumer reports

Firstmark has removed me as the co-signer for these loans. Which was granted in XXXX of XXXX due a XXXX XXXX 

The loan 60 days passed due and is now in default. This information has been sent to all 3 credit bureaus resulting in a lower credit score. 

I have called Firstmark at least 3 times, as well as disputing this issue via the credit Bureaus, with no results. 

Nelnet student loan is also affiliated with Firstmark This issue needs to be addressed and corrected with all 3 credit Bureaus.
Product: Student loan

Navient and my XXXX XXXX loans, both offered me a forbearance right after college in XX/XX/XXXX, because I was having trouble finding a job. They never mentioned that their was another option with the federal government called the repayment plans. I found out 3 years later in XXXX by a friend about the repayment plans. By this time thousands of dollars of interest had been accumulated. I feel that if I would have known about these plans it would have been a much better option and would have saved me thousands in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : 1. XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} 2. XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} 3. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$4900.00} 4. XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} 5. XXXX XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$130.00} 6. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$150.00} INQUIRIES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to inform them of unauthorized inquiries made on my credit I was a victim of their inquiry issue they said nothing could be done
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt, I have not had the opportunity to dispute this debt, I also did not receive proper notification. If in fact, you believe I received proper notification, please provide the certified mail with the receipt with my signature stating that I received it.
Product: Debt collection

To whom it may concern : I am writing this complaint due to Midland Credit Management is trying to collect a debt that is past the FL Statue of limitations to collect ( 4 years ) as well as the 7 years that it should be showing on my credit report. 

The account number to the original account is XXXX- XXXX XXXX XXXX . The MCM account number is XXXX. 

The last payment was made XX/XX/2009. I have taken care of this matter and closed my account from XXXX XXXX XXXX. However I am now receiving these statements from MCM stating that they are seeking payment for over {$9000.00}. 

With the Florida Collection Limitations and FCRA, MCM is no longer legally allowed to contact me about this matter, let alone collect a debt that has been paid.
Product: Credit reporting or other personal consumer reports

I recently investigated my TransUnion credit report and noticed the account listed directly below is in the " Accounts with Adverse Information '' section, when it is in good standing, and verified by the credit card company as paid on time. 

XXXX XXXX XXXXXXXX # XXXX U

nder 15 USC 1681 ( e ) ( b ) Accuracy of report : when 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. 15 USC 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. In accordance with the Fair Credit Reporting Act, this error on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove the " Account with Adverse Information '' designation on this account from my credit report, immediately.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA 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 REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.