23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are filing a complaint on our Loan Number XXXX based on the fact that we were given a trial modification in which we started sending payments on time. Without any reasons -after ASC received their 3rd payment- we were told by ASC that we were not longer part of this approved given trial period. 

This trial period, granted by ASC, was suddenly withdrawn, despite payments having been timely made, resulting in foreclosure. 

We asked ASC for an explanation and we were told that it was an internal decision and was confidential to ASC. 

Thereafter ; we hire lawyers to represent our case for a loan modification. In the processes thru several years, we submitted different loan modifications providing information based on different incomes. 

Regardless of how much income we were making ; we were always given an excuse and or a reason by ASC that we would not qualify -whether- it was because we were making too much money or we were not making enough money or that our income was too high and or too low. Never, we were ever able to please ASC with our income. 

Actually, on one of the loan modification programs, our lawyers found mistakes and errors in which they sent a notice of error pursuant to XXXX CFR sec. XXXX of regulation X of the Mortgage Servicing Act. 

Our laywer mentioned that the " error '' in this specific situation stems from a violation of XXXX CFR sec. XXXX ( XXXX ). 

Pursuant to XXXX CFR sec. XXXX ( XXXX ), an " Error ' within Section XXXX includes the failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure. 

Our Lawyer found out that many contradicting statements indicate a grossly negligent review of our modification package. 

Actually, in one of the laon modification process, a member of ACS admited wrongdoing and failing to do a good job in our case. 
ASC wrote " I apologize for the confusion as I could have done a better job explaining the use of the XXXX separate figures '' In addition, ASC mentioned that they are currently working with their customer or bank but we have not heard from ASC since this last response of failing to do a good job. 

In the process of all of these -many submitted loans modification- our arrears incremented tremendously. 
It feels as if ASC set up us to fail. ( Not acting in good faith ). 

If ASC would have not removed us from the original trial period given to us in the year of 2010, we would have never been so late on arrears -to that end- ASC is directly responsible for these arrears putting our family into financial distress due to their wrong doing. 

We believe that we have not been given a fair treatment to our case and we are looking forward for our case to be reviewed carefully to find a fair solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a two-letter first name, XXXX XXXX XXXX. Experian 's credit report for me lists my used names as " XXXX XXXX '' and " XXXX XXXX ''. XXXX is not and has never been my first name ; it is my middle name. After several frustrating calls in which they claimed that this was the name being furnished to them by my accounts ( it isn't ), they finally admitted that " their system can't handle two-letter names ''. This is an invalid excuse for KNOWINGLY providing an inaccurate name on my credit report. Additionally, because of the name mismatch, they are not including some of my accounts that I know send data to Experian on my report, such as 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. 

Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : 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 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, credit repair services, or other personal consumer reports

I finally looked into my credit and saw a collections from XXXX XXXX XXXX. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Credit card

Bank of America is giving out complete bank account numbers, along with complete routing numbers on their automated telephone system, when a payment is being made. This can compromise not only the credit card, if stolen, but also the person 's bank account. Per the Fair and Accurate Credit Transaction Act of 2003 : Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following : '' ( g ) TRUNCATION OF CREDIT CARD AND DEBIT CARD NUMBERS. -- '' ( 1 ) IN GENERAL. -- Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last XXXX digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction. 
So, anyone who accepts credit cards can only print the last XXXX digits on the receipt, but Bank of America can give complete routing numbers and bank account numbers on an automated phone system, to anyone?? This makes no sense all at. I 've been told by XXXX agents and XXXX supervisors that my checking account number has been changed to all XXXX, but when I checked this on the automated phone system, it gave me my complete bank account number, Again!! I have had to close this bank account and open another account to protect the security of my account. This cost me {$10.00} for the shipping and handling of the new checks, which I can not afford!! All because Bank of America changed their system about 4 or 5 months ago, to give complete bank account numbers now, not just the last XXXX digits of the account number, This puts XXXX of their customers who pay their credit cards over the phone at risk of having their bank account information compromised. This is NOT OK!! It has cost me a lot of time and now also money, because they will not do anything about it. A secondary issue is that I had a CREDIT balance on my credit card of {$12.00}, which I kept there because I now have no way to pay my credit card bill without it costing me money, and I wanted to keep account active, It is a XXXX points card, and they will keep the XXXX plus points on the card, I will use the points, and then close the card. I charged {$2.00} on my card, to be taken from my credit balance, and now my card has a balance on it of {$2.00}, My credit balance had gone away, It seems, without my knowledge, consent or permission, they have sent a refund check for this amount, Not received yet, I had to go to the merchant that I charged to {$2.00}, have them refund the card, and I then paid cash for this, Please Help!!
Product: Student loan

Good afternoon I am looking into loan forgiveness for the my loan. It was with XXXX XXXX- is there any assistance available at this time. Since the school is no longer open and never assisted me in finding employment.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I added money on to my cash to pay my rent after leaving the XXXX my money was gone all as if some one add gain access to my cash app and used it to buy bitcoin I tried reporting it be no one could help so I had to take a lost and no able to pay my rent
Product: Payday loan, title loan, or personal loan

My personal information is being used by someone else, lost all my legal documentation and I'm paying the consequences of purchases I never made on my credit and didn't find out till I tried to finance a car. Car was stolen a few months after that loan was made.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding an ongoing issue with inaccuracies on my credit file. On XX/XX/XXXX, Equifax provided written confirmation that inaccuracies related to my credit file, specifically an account from XXXX XXXX, were investigated and removed from my credit report ( Reference Case No. XXXX ). Despite this assurance, as of XX/XX/XXXX, the same inaccurate account has been reinserted on my credit report without proper notice, as required under the Fair Credit Reporting Act ( FCRA ). 

This reinsertion violates the FCRA 's requirements for the proper handling of disputed and previously resolved inaccuracies. It demonstrates a failure on Equifax 's part to maintain the integrity and accuracy of my credit file. 

Attached to this complaint is the XX/XX/XXXX, response from Equifax confirming the deletion of the disputed account. I request that Equifax immediately and permanently remove the inaccurate account from my credit file and provide a written explanation detailing how and why the account was reinserted without notice. 

This issue has caused significant frustration, confusion, and potential harm to my financial standing. I ask the CFPB to take appropriate action to ensure compliance with federal regulations and prevent future occurrences of such behavior by Equifax. 

Attachments : Equifax response dated XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems
Product: Debt collection

XXXX has attached a debt that is not valid to credit reporting agencies. I had a payment arrangement with XXXX services for all medical related services and all payments were made directly with XXXX. I did not even know XXXX had placed anything on my credit files until I checked my free annual reports! I called XXXX and they verified that no accounts were ever sent to XXXX. No information was ever received from XXXX as well ( which would be expected since I had nothing to do with them ). On my credit report they have since listed the " debt '' as paid but through a court trustee- I have a BK that will be 10 yrs old in a few months so this is highly illegal to attach any debt they are claiming was from a BK.
Product: Student loan

I started XXXX XX/XX/1995 with a total loan amount of XXXX. It 's now been 19 years since I started repayment and I still owe XXXX because of first going into forbearance for as long as I could and now IBR or Income Based Repayment. My interest rate has never been allowed to be lowered and every year as my income goes up my payments go up. It is almost {$500.00} a month now and I 'm living paycheck to paycheck. My student loan is with Navient formerly XXXX XXXX. I feel that I 'll never repay this loan and it will end up coming out of my social security. I 'm XXXX now and I know it will never be paid off in my lifetime.
Product: Mortgage

I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. 

It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I called trans union to have my inquiries removed immediately because i am a victim of their inquiry issue and i also never authorized these inquiries. I called several times and they refused to remove these 5 inquiries off my report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I requested proof from FCO- Fair Collections & Outsourcing , Inc. for validation of an alleged eviction. However, in the corresponding communication I did not receive any supporting or justifying documents from them nor the rental company. FCO is reporting a {$2000.00} and {$5000.00} balance I allegedly owe in collection. In the mail correspondence I received from FCO they only showed me a balance of {$2000.00} from XXXX XXXX  which I have no former knowledge of. The balance of {$5000.00} is from XXXX and I am highly confused as to how they are even reporting two different alleged balances from two different companies. This is causing me major issues with being able to show lenders my credit worthiness. FCO has been made aware that my accurate name is XXXX XXXX XXXX, the debt they are reporting is allegedly for XXXX XXXX. I understand that my name is common but they can not even show proof of my Social Security Number, my ID Number or a copy of my ID. They can not show any supporting documents they would have on file for me. It is FCO 's responsibility to ensure accuracy and completeness on ANYTHING they are reporting on me pursuant 15 U.S.C 1681. I have attached a small snippet of my name from my Drivers License and you will see it XXXX XXXX XXXX, not XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and MERCHANTS ADJ SERVICE failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX and XXXX have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Product: Student loan

XXXX originated the loan in XX/XX/XXXX-XX/XX/XXXX Then, XXXX XXXX went bust. They at some point sold the loan to XXXX XXXX, out of Colorado XXXX XXXX has sent the loans to collections via ACSI, who is threatening to retain my tax refunds. XXXX never notified me of default. XXXX XXXX never provided due diligence/process of reconciliation, forbearance, repayment options etc. This ACSI outfit, whose mailing is labeled from XXXX, OR, and Kentucky, but call center in Tennessee is the slimiest debt collection institution. The threats and harassment, especially of stealing tax returns is blatant. Obviously their debt was acquired through completely deranged and incorrect channels. XXXX failed to offer due process of loan recovery, as did XXXX XXXX. I have disputed the validity of the debt to asci. The operators at their institution asked me for my full social security number, which I found to be a fraudulent method of verifying identity. I explained repeatedly that I believe their collection to be invalid and illegal, and will only verify by yes or no the information they may have on file, but will not be providing my full social security to them. They mentioned today repeatedly being concerned about them potentially being sued for fraud. I elxplained to them that they should be concerned, as they are in fact attempting to collect a debt not originated by them. Essentially, they are parasites, exploiting loopholes in student lending laws, targeting specific individuals in the population, harassing me and others and threatening to steal tax refund. They may not be obligated to abide by student lending laws, but they are obligated and under duress of law to practice legal debt collection ( s ) i.e. Offering resolution, due process. At no point was any effort made by any of the three involved institutions to resolve the debt according to either student loan lending laws, or economic/debt collection laws. During last conversation, XX/XX/XXXX. They alleged to have placed collection in dispute and suspend collection effort. When asked to clarify what exactly " dispute '' means, representative of ACSI stated that master promissory note would be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an unfamiliar account that was reporting as inaccurate and incomplete with all three CRAs on XX/XX/2021 siding that the account was unfamiliar to me and ask them to investigate the account to verify that the account was indeed mine. That intern provided no resolution only a simple one line response from only XXXX  saying that the account was verified but no documentation or explanation of how it was verified, which I did request. 

I received no response from Equifax or XXXX XXXX whatsoever. 

On XX/XX/2021 I filed a second dispute with all three CRAs And again informing them that there was an account that was reporting in accurate and complete. This time I submitted documentation explaining and highlighting all of the errors that I found on my most recent credit report regarding this account, which were several. Nearly every element was inconsistent across the three bureaus. The amount owed, date the account was opened, date the account was closed, last reporting date, last payment date, literally everything regarding that account was inconsistent as well as many things that were missing from the report making it clearly incomplete. Because of this I asked to have a thorough a complete investigation on the account and provide me with their findings, and ask them to include who they contacted, what method to use to verify this information, etc. I also notified them of their obligations under the FCRA, that everything contained in the report must be complete and accurate. 

In response, this is what I received from each bureau. 

From XXXX  I received what appears to be a standard form letter saying that they had already looked into the account ( from my first dispute ) and it came back as verified, although they did not provide any information or documentation on how that was determined, and informed me that they would not be closing the account. They also informed me that I would need to provide documentation as to why I am challenging the account, which I clearly did. Which leads me to believe that they did not do an investigation at all, But instead just used the information from the original dispute and deem that it was verified. Which does not constitute a reasonable investigation as required. 

From Equifax I received no response to the first dispute, to the second dispute one of the accounts I was disputing was removed, the other, which was only reporting on Equifax, was not removed. I received only one line response in regards to the Account that was not deleted siding that it was verified with no explanation or documentation. 

From XXXX XXXX I received nothing in response to my first or second dispute on the matter. All of these disputes were six certified mail so I know that they were received. They are now noncompliant of it the requirement to respond within 30 days not once but twice.
Product: Payday loan, title loan, or personal loan

I have been contacted three XXXX 3 XXXX times between the hours of XXXX - XXXX XXXX today ( XXXX XX/XX/2021 XXXX about a payment that is on automatic withdrawal for the XXXX of the month. This payment date was clearly established by me with the company ( XXXX ) through the website XXXX. Despite the fact that I have had to repeatedly tell these agents that my payments are automatic, they are harassing me. I want it to stop.
Product: Debt collection

I have been receiving numerous calls daily about a debt owed by someone with my last name. I do not owe this debt. I have asked them repeatedly to stop, but they won't. They leave messages on my phone telling me that " I better take care of this debt ''. They imply that dire consequents will happen if I don't. These call have been going on for months. The last call was on XXXX XXXX. Some days I would receive more than one call. I know that these calls are coming from XXXX XXXX XXXX XXXX  in North Carolina. I also know that this law office has a " D '' rating with the XXXX. The calls come up on my answering machine with my local XXXX area code. Obviously, this is a trick to encourage me to answer the phone. I want to take action to get them to stop ; legal action if necessary.