23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Credit Karma wish is an online service only! Their only ways of communcating is by : internet, websites, online, and or by via email! Just sick of business of this magnitude ; being able to conduct business, in the XXXX, or this Country! Then when CFPB launches your investigation, and trying to track down these fools : you 've to come up with, these sorry tired excuses, and worthless explanations! If they 're too big to fail, be challenged, reached, contacted, and seamlessly ca n't be located/tracked down! Why subject it to be so, that businesses of this magnitude, exist in the first place? XXXX XXXX merely tried to play, and mess all over me! In an attempt to get back, at me for some of my complaints, and negative feedbacks : either about themselves, partners, and or their members! I, thought this was the land of the free, and home of the brave! It seems that this, only applies to certain ; classes, and kinds of people! That 's some mess up, cheesy, disgusting, inappropriate, outrageous, and should be deem illegal! I 've sent several complaints, or grievances to XXXX XXXX! However, they had either objected, and or refused to respond to most of my complaints! Things had gotten so much, out of hand, and control! I was left with XXXX choice, and XXXX choice only : which was to unsubscribe, my membership with them! They ca n't take constructive criticism, negativity, being called out, and more certainly ca n't handle the truth at all! You know what CFBP? That sounds like something very personal, and their XXXX problem alone! Now, if I wanted to sign up again or become a member, then you 've to wait for six months! Which to me, sounds like a scare tactic, regrettably attempt, discouraging bluff, form of backlash, and punishment for unsubscribing! WOW!!! Instead of submitting any documents, I 'm just going to mail them.
Product: Student loan

I believe MOHELA has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. My IDR recertification date was not extended in a timely manner. I recertified my repayment plan thinking that this was going to be required. This has caused my monthly installment amount to increase from roughly {$300.00} to {$780.00}. Mohela should have denied my recertification application as it was too early to recertify for this plan as recertifications can not be completed more than 90 days before the recertification deadline. My recertification deadline should have been XX/XX/XXXX not XX/XX/XXXX. Per DOE, if my recertification date falls prior to XX/XX/XXXX I should receive an automatic 1 year extension, but my account was not updated to reflect this information.
Product: Debt collection

Mid West Recovery SyS in the amount of {$280.00} is falsely reported as negative on my credit report. When I finally got through it was for a payday loan. I have never in my life needed or would ever take out a payday loan. They said the this occur in 2003. I said what? This is flat out un-true, false, and a lie! On the credit report it said the highest balance on this derogatory amount was {$2100.00}. If I owed {$2100.00} why are they asking for {$280.00}? Makes no sense. I have never taken a payday loan out in my life. This is false, and I would like to have this removed from my credit report. This company was not able to give any specifics on what the name of the company what date, how does a payday loan work? Was only given the year it was done which was 2003. No month date or time. This is down right false!
Product: Debt collection

On XX/XX/2020 an account opened from First Point Collections with an original creditor as XXXX on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance
Product: Credit reporting or other personal consumer reports

Inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian has failed to investigate this account properly after I repeatedly asked to have the account updated their neglect has once again violated my consumer rights. I am demanding a deletion of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, that you properly investigate these accounts
Product: Debt collection

This dispute involves American Express and their collection subsidiary XXXX XXXX XXXX XXXX. I entered into a payment plan with XXXX XXXX XXXX XXXX to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between AmEx and this collection service and no one can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed of improper reporting on XX/XX/2022. The credit bureaus have a responsibility of " investigating the consumer. '' According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/ she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not XXXX percent accurate. According to the FCRA 15 USC 1681 everything has to be accurate and a consumer reporting agency can not furnish an account with out my written instructions. 

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was informed of an XXXX XXXX XXXX balance of over {$4000.00} that was effect in XX/XX/2012 on my credit and I knew nothing about it when I was trying to rent home and buy a car. I have been trying to reach XXXX XXXX and I have been told they are out of business, I don't even know if that is true. The company Kimball , Tirey & St. John LLP XXXX XXXX says they can not provide me with the original creditors info as that is their client. First of all this should never have gone to an eviction on my credit, I was never aware of any judgement to pay this, and XXXX XXXX told me the address they had to send me info was on I had not lived there in 20 years! This is why I am suspicious of this company and there info. I asked that I make minimal payments after they threatened wage garnishment and they said no. I should not even be responsible to pay this debt. To my knowledge this debt is time barred and I don't even know that if I paid this debt, it would resolve it. I don't know if the original creditor would come after me. The amount they say owed is {$4900.00}. I paid my last month rent to the property and left my deposit!!! I don't even see how I owe anything to begin with, and i cant find the property management company to discuss and see proof of anything. Now they are threatening to garnish my wages and that threatens my livelihood. Why cant they settle with me at least I am trying to pay even though I know I don't owe this debt. I just want it off my credit, which I have disputed. What can I do?
Product: Debt collection

The company Holloway Credit Solutions located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Al, XXXX reported a bill on my credit report without contacting me. 
They have my correct phone number and mailing address. I only found out about the debt after reviewing my credit report. 
I think this is a tactic they use to get people to call them. The medical bill is so old now that it can not be disputed using my insurance which I had at the time of service. They need to contact before reporting to credit agency.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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

Equifax has completely lost my credit file. I was a victim of the data breach in XXXX. Since XXXX of XXXX Lenders are unable to access my report neither am I. I have been trying for 8 months to get this issue fixed. It has become a major burden as I am now trying to gain approval for homes, cars etc.. I have a credit score of XXXX but equifax has no record of it when I try to pull my report on XXXX XXXX XXXX I am also not able to create an account on their website either as it gives me an error when trying to get my report as if I dont exist. I have spoke with them more than 10 times about this and each time I am told the IT department will reach out to me but I am never contacted. I need my report ASAP
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Caine & Weiner are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted XXXX at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. XXXX customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!
Product: Mortgage

Our loan was transferred to Nationstar from XXXX XXXX XXXX, Nationstar denied our loan modification because of XXXX reasons as my representative told me. 1. Negative NPV 2. due to our history when trying to obtain the previous modification ( with XXXX XXXX XXXX ) 3. we skipped a payment towards the end of our previous modification that was up late last year. 1A-Our NPV is negative and not passing mainly because Nationstar is not willing to extend the term of the loan, not willing to defer or forgive anyting. We owe over XXXX and the value of the property is XXXX. The only term they are entertaining is 234 months 2A-when we tried to get the previous modification, we were in review for a long time, IT IS NOT because we did n't want to make an affordable payment, it is because we were in a lonnnnnnnnnng review where documents went missing and got out dated and relationship managers kept getting changed. Additionally, while in review with XXXX XXXX XXXX, the loan got transferred. XXXX XXXX XXXX gave us the run around for years and would n't work with us. Nationstar gave us only one option, it was a 2 year Interest only loan which adjusted this year to Prinicpal and interest to 4.0 % principal and interest. We went from having a XXXX loan to around {$800000.00} loan, now ineligible for any government programs since our loan amount is over the XXXX threshold. Our payment has more than doubled, we are upside down, and nobody is willing to defer or forgive anything to help us. we know they do n't have to, but i ca n't help but feel whatever the lender is doing, or has been doing, is to collect fees, interest, until we hit the end. Why could n't they give us a step rate modification? or meet us in the middle somewhere? Instead we were given a modification that would XXXX, it now adjusts every month and we are over XXXX upside down. 3A- we did n't skip the payment, we did n't know what the payment was because we got several different mortgage statements with different payment amounts and it was not until the modification was over. There are phone records of these conversations when i called the bank regarding the statements and why they are all indicating different breakdowns, interest rates, and payment amount
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a loan on XX/XX/XXXX for {$600.00}. I am currently in the XXXX XXXX XXXX  for a XXXX XXXX  and unable to work. I notified the company and requested interest be frozen and a payment plan of {$100.00} a month. They threatened me verbally on the phone and sent a letter recently regarding a wage assignment after i had signed a Revocation of Wage Assignment. I signed another one on XX/XX/XXXX. I am XXXX XXXX and have stated I would verify XXXX  but they continue to harass me by email and phone.
Product: Credit reporting or other personal consumer reports

My credit is being ran at several car places and credit card companies from XXXX until XX/XX/2023. 
I reported my identity theft info to the proper authories but nothing has been done This is hitting my credit hard and Im trying to fix my credit and there are over XXXX inquires from all types of financial banks for car loans that I didnt approve
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX A XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Student loan

I was notified on 2-14 that Fedloan Servicing reported my account 90 days past due. I had contacted them on 2-3 to put a forbearance on my account. I contacted them again after 2-14 and the lady who helped me showed that I had a forbearance on my account that went from XX/XX/XXXX to XX/XX/XXXX. She said she was placing a dispute on the account but nothing has yet to be updated.
Product: Mortgage

My home was in foreclosure and I had the loan modified with a lower payment. I have not missed a payment since this modification was completed 4 years ago. I was unaware at the time this modification was adjustable. The mortgage was then sold to another company and then sold a 2nd time. Rushmore management services is now the company that holds my mortgage and they have raised my interest rate from 4.94 % to 5.875 % during a worldwide pandemic where people are having difficulty making payments on their homes! I was advised this was due to current market rates. The rates have dropped to 3.1 % -3.4 % yet they are raising me to an amount I will now have difficulty making payments and Im in fear of my home going back into foreclosure. They have been unwilling to help me in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to file a report with the Federal Trade Commission or at https : //www.ftc.gov. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Debt collection

I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now Transworld Systems is refusing to remove the collection from my report as well.