23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was originally with XXXX XXXX and had been recently bought out by Freedom Mortgage in XX/XX/XXXX. I have received nothing but horrible service from them so far and nothing has been accomplished since my initial request on XXXX/XXXX/15. On XXXX/XXXX/2015 - I emailed a request to remove my PMI to XXXXXXXXXXXX and attached a copy of an appraisal I paid for that is from an accredited appraiser. They told me I would receive a response from them within XXXX hours. I have received no such response. I called in on XX/XX/XXXX, they told me that it is under review and could take a month to process. I waited a month and called XX/XX/XXXX. I was told that they did not have a copy of my appraisal so they closed the case. All this time I have yet to receive any mail from them letting me know any of this information, this correspondance was from me having to call them to follow up. The representative I spoke to told me that she didnt know why they said they didnt have the apprasial when she could see it attached to the email, so she opened up the case for me again. I waited and still no correspondance, so I called again I believe it was on XXXX XXXX or XXXX. I spoke to a " XXXX '' she told me that she sent an an email requesting an update and she was to call me back on XXXX XXXX to give me an update. I had no such call back. I called again on XXXX XXXX and spoke to a XXXX, she would not give me her last name which i figured they did n't want to be responsible for any calls they take in. Anyway, I asked to speak to a XXXX at this point and was very frustrated that I have been given the run around. She send me to a voice mail box of XXXX XXXX, because apparently he told her he was too busy to take my call. I left him a detailed voice message and had no return call back from him. I called today XXXX XXXX to ask for update and to let them know I have yet to hear back from XXXX. Apparently I was not important enough to get a return call back. The Rep told me that she did see some notes on the system today from a team lead named XXXX requesting an approval to remove my PMI and that the turn around time was Wednesay XXXX XXXX. I asked to speak to another manager, she transferred me to XXXX ( not sure of spelling ) his employee ID # XXXX. He was the only one to give me his employee # and ask for him next time if i have any further questions but told me he would call me on Monday XX/XX/XXXX once he hears back from XXXX. 
My payments have always been on time, so I 'm in default, just trying to understand why it is taking so long to get this accomplished. This experience has been nothing but horrible and would n't want anyone else to go through this. Looking any help I can get to remove this PMI. 

Thank you!
Product: Payday loan, title loan, or personal loan

I received a voice message from XXXX XXXX XXXX XXXX claiming to be from Loan Me, a company in California that makes personal loans. The caller claimed that I applied for a loan. I did not apply for a loan with this company and I want any report of a loan application to be removed from my credit report. This is a scam.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just checked my credit report and found those XXXX fraud inquiries that shall delete from my credit report. 


XXXX XXXX inquiry date : XX/XX/year> XXXX inquiry date : XX/XX/year> XXXX  XXXX, inquiry date : XX/XX/year> XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> DELETE THOSE FRAUD INQUIRIES.
Product: Debt collection

I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account XXXX XX/XX/90 days late XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with Experian, a credit reporting agency. Recently, I discovered that Experian has deleted an account ( XXXX XXXX account number : XXXX ) from my credit report without my authorization or consent. 

What is more alarming is that Experian has sent me alerts indicating that I disputed this account, which is entirely falseI never initiated such a dispute. This erroneous action has had a detrimental impact on my credit score, which has dropped to XXXX without a valid reason. 

Despite contacting Experian for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. 

I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Consumer Loan

I was contacted via mail from Ally regarding a settlement for having inflated interest rates for a person of minority. The deadline was approaching and I was not able to locate the form itself, so I googled. Where I was then able to fill o out an eligibility form ( which I did ) and was submitted by both mail and fax. 
Today upon checking the status of the claim, I saw that checks were issue back in XXXX. I called Ally Settlment Administrator and by giving my name they knew exactly who I was and my address. Theres no way I am the only XXXX XXXX in the entire world. Upon confirming that it was in fact I whom they were speaking to, I was told that I did not complete a participation form. I then stated that I followed the directions per the website for claim and there was no f forthcoming correspondence from them indicating that the wrong form had been submitted. She stated yes. I then thanked her and to have a nice day. 
I did my part in a timely manner as was requested.
Product: Debt collection

I, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 
Let 's be clear, as a consumer, I am federally protected under the Fair Debt Collection Practices Act Title 15 Chapter 41. and it's saddening to know Frontline Asset Strategies , LLC takes pride in violating basic consumer rights. This company is harassing me for an alleged debt and ruining my reputation as a consumer. I am demanding XXXX from Frontline Strategies Asset for each violation of my consumer rights. Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have 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  These listed accounts have violated my rights.

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

15 U.S.C 1681 604 A Section 2 : It 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 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 7 years.

15 U.S.C 1681 s-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, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX acc # XXXX, ( XXXXXXXX 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.

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 record of conviction 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: Money transfer, virtual currency, or money service

On XXXX  I purchased bitcoin on cash app. I sent the bitcoin to what I thought was a trusted trading site using AI. I began with {$500.00} to test the site. Its made {$250.00} over the weekend so I decided to invest more money. From {$1200.00} to {$2000.00} weekly up until XXXX. When I attempted to withdraw the funds there was an outstanding fee associated with withdrawal. Thats when I realized that I had been scammed and the money was gone. I contacted cash app and they told me there is nothing they could do. Once its sent on blockchain it couldnt be tracked. So I researched and there were cases where money has been retrieved. The company doesnt hold itself liable to retrieve funds once a scammed. It has the resources to track and recover the money but doesnt assist. I lost all of my savings at the time over {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to Department of EducationXXXX XXXX They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Department of EducationXXXX is not reporting accurate information. On my XXXX and Transunion credit report, there are several dates where the data is unknown ( marked by an X ) or not reported. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Department of EducationXXXX XXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Department of EducationXXXX must comply to any provisions to make my credit report compliant.
Product: Debt collection

I received a letter in the mail from Pressler and Pressler, claiming I owe a balance of {$890.00}. I directly disputed this last year with the XXXX credit bureaus and it was removed. They are still harassing me claiming that I owe them this money and if it is not received they will attempt to garnish my income and any money in a bank I may have. This information had been removed from my credit reports as of last year, and I no longer was responsible for it. These people went so far as to send a suspicious person to my home last year to " serve '' me court documents. I have never received an official judgement or court appearance notice in the mail from the actual courthouse, and again this was removed from my credit report. I want these people to send me a written apology and I do not wish to receive any further communication from these bullies.
Product: Debt collection

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX **Complaint against Creedence Resource Management for violating the Fair Credit Reporting Act** I am writing to file a complaint against Creedence Resource Management for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a copy of my credit report from [ credit reporting agency ]. The report included inaccurate information that was reported by Creedence Resource Management. The inaccurate information included : {$290.00} shown as debt on my credit report, I did contact credence to explain/send information regarding information on report to verify, no response, also i send certified mail, it was returned to sender. 

This inaccurate information has damaged my credit score and made it difficult for me to obtain credit. I have contacted Creedence Resource Management several times to dispute the inaccurate information, but they have not responded to my requests. 

I believe that Creedence Resource Management has violated the FCRA by : * Failing to investigate my dispute within a reasonable time. 
* Failing to correct the inaccurate information on my credit report. 

I am requesting that the CFPB investigate this matter and take appropriate action against Creedence Resource Management. I am also requesting that the CFPB help me to get the inaccurate information removed from my credit report. 

Thank you for your time and attention to this matter. 

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

After the sale of our previous property ( XX/XX/XXXX ), my husband had issues obtaining a loan for his new vehicle due to the credit to debt ratio being high on his credit report. We logged into our experian accounts and saw that loan accounts, including the mortgage for the home we just sold were still showing as open and in good standing. We moved forward with disputing these accounts that same day. 

Unfortunately, on XX/XX/XXXX the PHH Mortgage loan dispute came back as still open and in good standing. I disputed the account again on the XXXX following the same process only to receive the same update on the XXXX. 

On the XX/XX/XXXX I filed yet again another disput but this time with a PDF containing screenshots from the online account showing the balance at {$0.00} with a message stating the account was paid in full and closed. Again, by XXXX the result was still that the account was still open and in good standing. I called both PHH Mortgage and XXXX to figure out what document I could provide to help my case. I was able to request a Paid in Full letter from PHH Mortgage which XXXX told me might help better than the screenshots I provided. 

By XX/XX/XXXX I received the documents and scanned them in to open another dispute to finally get this loan off mine and my husband 's credit report so we could move forward with securing a home loan which we have been holding off on doing in order to not run into the same issues as with my husbands auto loan. But on XX/XX/XXXX the results yet again came back as open and in good standing. I called PHH Mortgage but their customer service department was not able to connect me to the people in their credit department and the only response I received through their customer service after they reached out electronically to the credit department is that it takes time. But they did not answer why after I had disputed the account with documentation provided by PHH Mortgage was that department still telling XXXX the account is open when it so clearly is not. I expressed wanting to speak with a supervisor to escalate my complaint and after being on hold for almost XXXX mins I was hung up on. 

I feel that this is my only option to be able to get this issue corrected so that my family can finally move forward with securing a loan and a new home for us to live. With the state of the house marketing the longer we are forced to wait the worse our chances are as things become more and more expensive. I don't understand how a company who I no longer do business with has the power to hold me back from being able to find a home for my family but evidently it does. I really hope the CFPB can do something to help us. 

Thank you,
Product: Credit card

I received a bill for payment on XXXX. I made the payment on XXXX and was told this was not considered an early payment because I paid before the billing cycle was closed. I was charged a {$25.00} late fee for not making XXXX payments in XXXX month. In addition, I took out a cash advance and paid the total amount of cash advance back. I was not told I can not allocate how the money is applied and since I did not pay off entire balance of Credit Card they would not apply to the {$200.00} to my cash advance which allows them to charge me compounded interest. This information is not listed in the terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report log in is now not allowing me to log in even though I made a log in account XX/XX/XXXX. There are incorrect addresses and credit fraud reporting from my ex boyfriend XXXX XXXX XX/XX/XXXX who is representing himself as my husband. 

The alert was dated XX/XX/XXXX and there are contractor company listed on my address profile. 

The addresses were added in XXXX after the first XXXX from XXXX XXXX XX/XX/XXXX. 
He currently has a criminal case against him for XXXX on XX/XX/XXXX. This is when I logged in and noticed the discrepancies. 

The addresses are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from LoanCare XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, Loancare was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, LoanCare was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted LoanCare to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has XXXX information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a immediate update of the following XXXX information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1692 is a section of the United States Code that covers debt collection practices and consumer credit protection. The FDCPA was created to prevent unfair, deceptive, and abusive debt collection practices With this i feel they have violated my privacy selling information not given to them
Product: Debt collection

I received the first collection statement dated XX/XX/XXXX, from Century Credit & Collections , LLC. The statement was addressed to myself and also listed my XXXX minor children. First amount requested was {$1400.00}. Total amount listed was {$1900.00} " due '' by XX/XX/XXXX. There was no breakdown of charges for either amount. 

I sent a response letter asking for a breakdown of charges and to advise of the XXXX minor children as they should not be listed. I received a voicemail from XXXX XXXX requesting payment and asking if what I had stated in my response letter was true. 

The next letter from Century Credit & Collections , LLC dated XX/XX/XXXX listed a new amount due of {$1900.00}, " due '' XX/XX/XXXX An additional letter dated XX/XX/XXXX stated that I had been given sufficient time to pay my debt and that I have ignored their attempts to collect the debt. The new amount due was {$1900.00}. 

This agency has been adding to the balance due approximately every XXXX weeks, with no breakdown of charges.
Product: Student loan

In XX/XX/year> I started reaching out to Nelnet about my loans not being accurate. I tried from XXXX until XXXX when I finally got ahold of someone and didn't sit on hold or get hung up on. 

I have to put loans in forbearance 3x due to them not switching my due dates although they told me it was done and switched from the XXXX to the XXXX. Never was processed by them and over drafted my bank account 2x. 

Loan has compiled interests like no other although it's not supposed to be, payments aren't counted or totaled right still, they say they are? I've only made 5 payments? Great lakes I made over 60 payments is the catch. Went from XXXX to XXXX in less than 6 months of time? 

They tell me one thing but it's never right and it seems they just add more to my plate. I can't take it anymore and can't afford to even pay bills.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX {$7400.00} told them my house was stolen in a mortgage, it was no longer my bill, because that should had been paid off when house was taken. i reached out to them and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to fix their issues on my consumer credit report. They also have yet to deal with their violations. See attached for full details.