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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5100.00}, XXXX & XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$820.00} , XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 equifax mortage , XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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
Product: Credit card

I first attempted to use the Capital One payment plan options on their app as suggested. The app OFFERED XXXX HELP and wants the past due balance in payments of {$770.00} for 3 months which I can not afford. 
I spoke with customer service multiple times and asked about Payment plan options, a lower payment, a lower interest rate than 27.15 % ( especially since Ive never been late with a payment or fell behind before ), and to waive past due interest of {$2000.00} accumulated over 4 months! 
Every customer service agent and supervisor would not work with me. They state they cant lower the interest rate or monthly payments, and they wont waive any fees or interest due. Even if I close my account, theyll still charge me interest while I try to catch up. 
Customer service states I could pay {$370.00} to postpone a charge off for 30 days. 
I asked what then? So in 30 days were right back where we are now. I need help now Customer service replies there is nothing they are willing to offer. 
I asked what happens when it goes to charge off? Capital One cant discuss it with me until it goes into charge off and THEN the Charge off Dept. can help me. What?? Really? 
They refused to give me answers and they refused to work with me or help me by refusing to lower payments, interest, or fees. 
I asked if I can speak to someone from the Charge Off Department to discuss what I can do and what will happen. CO Cust. Svc. Rresponded, no, its not possible. That is absurd. I am entitled to understand what happens after Capital One REFUSES to work with me. 
I asked why debt consolidation programs have the option to lower interest on cards but CO wont work with their own customers? Capital One Cust. Svc. responded, there are no options for me except to pay the past due amount of {$2800.00}, that the interest will continue at 27.15 %, they will not lower my rate or payments, and they wont work with me. 
I do not have the income at this time and the hardship will continue for a few years. I dont know when Ill be back on my feet. 
Is the only option bankruptcy? 
CO stated that if I close the account I would be still be charged interest. 
Other banks and credit card company have worked with me. For example, XXXX XXXX closed my account of {$15000.00}, gave me an affordable payment of {$210.00} per month at 1 % interest over five years. 
Capital One will not offer any help at all and refuses to work with me to pay my debt. I will never recommend Capital One again. 
I would like the account closed, the late fees of over {$2000.00} removed from the balance, and I would like a payment of {$250.00} per month at an interest rate of no more than 10 % over a period of 5 to 7 years until paid in full. If Capital One refuses to work with me financially, then bankruptcy is the only option left for me?
Product: Vehicle loan or lease

On XX/XX/XXXX I began a consumer credit transaction at XXXX XXXX XXXX XXXX in XXXX Texas. Information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included I. E insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit ( c ) property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction on XX/XX/XXXX my finance charge did not include insurance and I was told that I had to show /Have insurance to obtain the vehicle by XXXX XXXX XXXX Furthermore on XX/XX/XXXX when I made a cash down payment of {$9.00} with XXXX she advertised to me that I needed to make a down payment to also obtained a XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of down payment installments says, no advertising to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my rights as a consumer were clearly violated and therefore I was defraud it. In regards to subsection 15 US C 6802 ( a ). A notice of requirement obligations with respect to disclosures of personal information. I was not made aware That I could opt out from this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have this consumer credit transaction furnished on my consumer report which is technically identity XXXX. Due to this being furnished on my consumer report I was denied for a loan on XX/XX/XXXX in multiple loans including credit cards.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Mortgage lender Mr. Cooper Address information : XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX : XXXX This Lending company has been contacted since last year in XXXX they called me for information about my account and they had stated that my payments havent been received and I advised them at that time that I have not missed a single payment which I can prove by my bank statements and all of my supporting documents that my account is current. They gave me flack and they thought that perhaps they could trouble shoot this issue over the phone by asking how I'm sending my payments I went through all of the basic questions to prove once again that I do have the right address I absolutely reference my mortgage loan number on the check and yet this company did nothing to remedy my account. At this point I'm being stolen from I pay this company and they DO NOT ACCREDIT my payments that are being received. They are an absolute FRAUDULENDT company and have VIOLATED MY RIGHTS!!! I don't want anyone to go through what I'm dealing with, an AUDIT of their practices should be done at least I'll be in contact with them as well since they have stolen over {$35000.00} of my payments for my mortgage.
Product: Credit reporting or other personal consumer reports

Hi Experian, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXXXXXX XXXX XXXX and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well their inability to report accurate information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I am victim of Identity theft and the accounts I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed accounts completely from my Credit report and insisted that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed accounts completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following accounts deleted immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Reported on Credit Reports Account # XXXX XXXX I formally wrote to dispute inaccurate information being reported on my credit file by XXXX  under my rights afforded by the Fair Credit Reporting Act ( FCRA ). The first letter is to Experian Upon reviewing my credit reports from Experian, XXXX, and XXXX, I discovered that the above-referenced account is inaccurately reported as an open collection/charge-off with a past-due balance of {$270.00}. This reporting is incorrect and violates FCRA Section 15 USC 1681e ( b ), which mandates that credit reports must ensure maximum possible accuracy.

I have taken the necessary step of sending certified dispute letters to all three credit bureaus to address this matter. I am also requesting that you investigate this issue promptly and take corrective action to ensure that the information reported to the credit bureaus is accurate.

As part of this investigation, I request the following : Verification of the account 's current status with supporting documentation. Correction or deletion of the inaccurate information from my credit reports. A written confirmation that the necessary corrections have been made or an explanation if further information is required.

This error is negatively affecting my credit profile, and I kindly ask for your expedited assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint regards the NCTUE or National Consumer Telecom & Utilities Exchange. I have recently been a victim of identity theft and on my XXXX credit reports, there are many inquiries from telecommunication companies and cable companies like XXXX, XXXX XXXXXXXX and more. I need to receive my NCTUE report in order to see if a fraudulent account has been opened in my name. After calling more than 15 times I can not get my report I am entitled to. I have never received an NCTUE report ever in the past, so I have not already used my 1 per year. I have also requested a report through the mailing process with no luck and no response. 

I KNOW I am entitled to a report, and NCTUE is making it impossible for me to receive the report I am entitled to and thus affecting my ability to protect my identity, my earnings, my credit worthiness, and more. 

Thank you CFPB for keeping the consumer in mind, I believe that y'all will address this situation appropriately.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, XXXX XXXX, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Product: Credit reporting

There was an incorrect tax lien filed in XXXX County Court in XXXX 2016. In XXXX 2016 the Indiana Department of Revenue notified the court to EXPUNGE the entry as it was done in error. All other credit agencies removed the entry however Experien has not
Product: Debt collection

I have never received any notice of default from collection agency Simon 's Agency. 
I have discovered the collection activity while reviewing my credit report in late XX/XX/XXXX, and I have sent a notice to Simon 's Agency ( a debt collector who does n't own but is assigned to collect the debt on behalf of XXXX XXXX XXXX ) on XX/XX/XXXX. A subsequent follow up complaint was sent to XXXX via XXXX. XXXX is the current account owner and allegedly the original creditor. I have advised both them of dispute of the information submitted to Credit Bureaus. 
A notice sent to Simon 's Agency specifically stated that " this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. '' Neither Simon 's Agency nor XXXX provided any viable evidence, copy of the signed contract or even copy of the statement to substantiate the claims made. 
Instead, both companies refer to internal printout of alleged payments made in XX/XX/XXXX-XX/XX/XXXX and admit that they have no other evidence to back up their claims. 
However, despite the lack of evidence to substantiate the claims both companies insist that the debt will be reported to credit bureaus as validated and refuse to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a problem with the equifax web site.the updates button are not working.i have had numerous issues with equifax web site? the tkt number was givin to me is XXXX.i am paying XXXX a month for there product and it is still not working??????
Product: Student loan

I am within a few months of reaching my 120 payments for PSLF, so this forbearance related to the SAVE plan has been terrible. The very day that the digital application for IBR reopened in XXXX, I submitted an application. I had been told by FSA that if one were to apply specifically for IBR ( and not " best plan available '' ) it would be processed without difficulty because the IBR plan was designed through a different process and was not subject to the court challenges the SAVE, PAYE, and XXXX plans were. However, MOHELA has never processed my application. They tell me FSA has paused processing, FSA tells me MOHELA should process it. All I am trying to do is re-enter repayment. I was actually on IBR until XXXX of this year, so it should not be so hard to switch back. I have recently been told by FSA that IDR processing started again on XXXX XXXX, but I still have not heard anything from MOHELA. 

Part of the student loan contract is that I have the right to have my payment recalculated when requested, and MOHELA is in violation of this part of our contract. I want to immediately be placed back in IBR and resume making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a few disputes on XXXX, XXXX, and XXXX. I have a FTC ID theft report- and whenever I file the disputes they say the same thing- as " verified by data furnisher '' - but in the description it says " consumer provided vague information. How is a Federal Report vague information? All of the other items on my report were taken care of- and yes there were several ; except for the fact that every hard inquiry except 1 on my report, was not done by me. Also, even the soft inquiries- hundreds of them- still show and affect my score! Before all of this ID Theft, my credit score was at XXXX ; now it is mid XXXX. This has ruined my life and my business! I am a sole proprietor- so the negative impact of all of this has brought my business on the verge of closing! All due to the fact I cant get any financing/credit because of this!
Product: Mortgage

Hello, My father passed away last yr. Before he died, he quit-claimed the house to me and I'm registered as the official property tax owner for the house in Texas XXXX 

I was my fathers ' XXXX 's caregiver for XXXX yrs, and during that time we paid off some of the house, over {$46000.00}. Including the down payment, leaving ; and {$110000.00} from the original {$150000.00} loan still due. Plus {$5000.00} added from the forbearance extension. 

When my father died they did not allow for an automatic assumption of the loan, even though I have been paying it off for yrs. 
Selling books, etc. online. when my father was alive. 

Instead, when he died ; they only allowed me to be a " Successor of Interest '', meaning : I pay the mortgage due. However, the house mortgage is still in his name. 
Every letter they send to my house, is addressed to my deceased father only. 

The mortgage company Rocket Mortgage offered the forbearance, after he died. ( I was already classed by them as the " Successor of Interest ''. 
So, I took the forbearance offer and there is {$5000.00} past due in forbearance, which they even extended into another 3 months for me to bury myself in deeper with the final demand of Forbearance Lump-Sum or Lose the House. 

I was under the understanding that when forbearance ended, I was going to either automatically receive a Re-payment plan, over many months, or a Deferral until the end of the mortgage. It say 's so on their website, with the forbearance rules. 

This week they told me that those options did not apply to me, & that only my ( deceased ) father was able to have the forbearance repayment plan or deferral plan. 

Instead, for me ; they said I must pay all past due XXXX the next 3 months of forbearance at once, or go through the new mortgage loan process, to assume it. 
Which I can not qualify for at this time. 

I am very intimidated by them ; & dreadfully afraid of losing my {$40000.00} investment. 

They also said, if I do not qualify for their assumption they will quick-sell the house at XXXX reduced price. 

I do have a small income and can pay the monthly mortgage, but they're asking for {$5000.00} plus the mortgage due every month. and still not automatically assuming the house into my name. 

Please help. Is there a lawyer service that will protect me? 
Can your service protect me and tell them to auto-assume the mortgage, that " Successor of Interest '' is just fraudulent. 
I pay for the house, and yet they never allow me to be the mortgage owner? 
& then they even lead me astray into using the long-term pay-back forbearance option. 

Lump-Sum means credit card cash advances, & I don't have that much cash advance on my credit cards. 
They will not let me use the homes equity either, without a complete re-finance. 

This house is not supposed to be my inheritance lost & 6 yrs of work stolen, but Rocket Mortgage is taking advantage of the situation and hurting me, & I can even feel this pain physically. 

I'm only XXXX yrs old, not supposed to die already. 

Thank you.