23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Top whom it may concern, I am reaching out to file a complaint on the credit bureau Experian. I submitted a Request For XXXX XXXX dated XX/XX/2021 and XX/XX/2021 regarding 2 entries on my credit report in which Experian neglected to appropriately respond. After 2 requests, 30 days apart from each other, Experian responded by email that my dispute was concluded and credit report was updated. I have not received correspondence answering my request by postal mail or email the information regarding the dispute ( The Experian employee that conducted the investigation, who they spoke with, their title, contact & any data used to support the accuracy of the entries ). The credit report entries are titled US BKPT CT IL XXXX REF # XXXX. And XXXX XXXX XXXX Account XXXX. 

The issue that exists, is that over the past 6 months Ive been engaged with them over this matter regarding the accuracy of these accounts with no success ( only an alert that the report was updated ) and am requesting assistance from your office to resolve this matter. If Experian continues to refuse to comply with this request I am asking that they remove these account entries and send me an updated report reflecting those removals. 

Thank you, XXXX XXXX. XXXX
Product: Debt collection

Debt collectors keep contacting my family members, announcing to them that they are debt collectors, and that they are trying to reach me. I have emailed them, but they continue to contact my parents, even though I am over the age of XXXX.
Product: Student loan

Complaint # 1 : Recertification and refund In XX/XX/XXXX, I received a notification from Fed Loan Servicing stating that it was time for me to recertify my IBR ( Income Based Repayment ) plan. The letter explained that I needed to send in a " completed application and all supporting documentation within 10 days of XX/XX/XXXX '' or else my " monthly payment will increase to {$1200.00}, first due on XX/XX/XXXX ''. 

I submitted my income recertification in XXXX or XXXX, and on XX/XX/XXXX they debited my account for {$1200.00}. This was 4 months before they were supposed to begin charging me the new payment. I called in multiple times to complain about this and while they updated my payment to reflect my income certification, they continued to take the larger amount before the scheduled XXXX date. I asked them to go back to my prior payment of {$930.00} until XXXX as they promised in their documentation, and only got passed from phone operator to phone operator and no resolve. 

Additionally, I requested they refund me the payment difference for XXXX since it did not reflect my recertification or the date they stated in the documentation, and they said it would take up to 90 days to address. I never received any further communication on the matter and never received the refund. 

Complaint # 2 : Length of time of on qualifying plan Last year I complained to Fed Loan Servicing and submitted a complaint about them to the CFPB because they miscalculated my qualifying payments. For 6+ months they said I only had a handful of qualifying payments rather the five years they later recalculated. I told them, that recalculation was incorrect and that I have been on a qualifying plan since before XX/XX/XXXX. They said they have no record of that because another servicer handled my loan back then. Aren't they legally responsible for having all of my documentation as a debt collector? There should be documentation on file as to when I enrolled in IBR and through what servicer. 

Complaint # 3 : Amount taken each month For the XXXX tax year, I made roughly {$110000.00}. In calculating my IBR, I am paying more than 12 % of my income on these loans. Is that a correct calculation? And how did my payment increase by {$270.00} this year when my salary only increased by a couple of thousand?
Product: Credit reporting or other personal consumer reports

Who : Equifax XXXX XXXX who refused to delete negative info on credit file : XXXX XXXX XXXX XXXX XXXX XXXX What : 2 collection accounts are closed. 
( see attachment ) XX/XX/24, XX/XX/24. 
Called Equifax requesting collection info be deleted. 
Equifax agents refused to delete negative info from credit file. I shared with them that my request was in accordance with FCRA. I referred them to the supporting statements of the FCRA, to have correct info reported and incorrect info deleted from my credit file. Each Equifax agent still refused to delete negative info from credit file. 

When : XX/XX/24 Where : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Why : Agents refused saying info would remain on credit report per Equifax policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX it states that I am deceased I received a letter from the credit bureau stating that that would be removed from my credit report its been almost a month now and they have not removed it from my credit report it still shows that I am deceased I would like to have that removed from my credit report I have copies of the credit file confirmation number XXXX stating that it been removed from my credit report but every time I check my credit report it is still there Im gon na enclose the confirmation file stating that its removed from my credit report
Product: Debt collection

I recently pulled my credit report and there is a collection account that is listed. I have know knowledge of the account and have never been contacted by phone or mail about the account that the company say 's I owe. The account is affecting my credit score. I also see where the account was assigned on XX/XX/2018 in the amount of {$93.00} I also have not signed any HIPA forms giving permission for this or any other third party companies to obtain my medical records. I disputed this account but received an email back stating that this has been verified as accurate. I have not received any other documentation of the investigation explaining how they have come to this conclusion. I would also like a copy of the bill with dates and all related charges.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, 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 XXXXXXXX {$850.00} XX/XX/XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXX  XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$770.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} XX/XX/XXXX XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} 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 reporting, credit repair services, or other personal consumer reports

Account has been re-aged and shows 2 different years in the date of last activity! Remove for violation of 5 US Code 1681a ( 4 ) by reporting mis-information. Please see the credit report attached. If this is not removed within 15 days, I will be taking this to small claims court. Attached is the credit report and the letter sent to the creditor, which is dated, and time stamped.
Product: Payday loan, title loan, or personal loan

Predatory lending. 

I had been receiving Upstart mailings for probably two years. Each time I would ignore them, and they would send a new offer. 

I needed a debt consolidation loan to get some XXXX  school loans off of the Bursar 's books and to pay some back taxes, and decided to give them a try. It put in the application within a week of expiration of one of their offers. 

The Upstart website clearly asks for bank statements within 90 days. I followed their instructions, uploaded all the documentation, as per their documented requirements. It took me a few days. 

During the process, they changed their qualification rules during the process and found a number of excuses to delay the transaction until the term expired, at which point they used it as an excuse to jack it up to a 30 % APR and lower the amount offered.. 

Of note, they claimed that a single-member sole-proprietorship LLC business checking account didn't qualify as a personal checking account. According to the IRS, a single-member sole-proprietorship is a disregarded entity. So it should qualify as a personal checking account. 

But the main complaint is that they're not following the documented procedures on their website, and are engaging in predatory lending practices. 

Also, it should be noted that the banking industry recently received a $ XXXX dollar bailout from the government. It's unconscionable that lenders are reverting to predatory lending in these times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2015 I signed a loan modification agreement with XXXX   XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to Seterus. Seterus did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and Seterus reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement.

I have provided this documentation to Seterus ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, XXXX XXXX is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ).

Also XXXX XXXX Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I request that they provide the purchase agreement to show full ownership of such documents so I may review to see if this is actually an account that belong to me. In accordance with Fair Credit Reporting Act Experian, XXXX, and XXXX have 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 any written instructions. 

Accounts : XXXX XXXX XXXXXXXX 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: Checking or savings account

Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XX/XX/XXXX & XXXX after opening acct on XX/XX/XXXX with a {$25.00} deposit. 
Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation XXXX XXXX XXXXXXXX on XX/XX/XXXX told would receive update in XXXX business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given XXXX XXXX XXXXXXXX on XXXX, its been 7 days and I still have no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of attempting to purchase a house, when credit was pulled XX/XX/XXXX it shows an outstanding account with a balance with Regional Acceptance for {$8800.00}. Upon discussion with my mortgage officer and receiving the a 1099-C Cancellation of Debt for XXXX, that was claimed on XXXX taxes, to call the company directly. 
At first i called Branch Banking & Trust because the way the 1099-C is written is " Branch Banking And Trust Company Regional Acceptance Corporation '' My phone call today were as follows : XX/XX/XXXX - XXXX unable to get to an agent XX/XX/XXXX - XXXX reached agent advised i was with the wrong department. She transferred me to XXXX. The department was too busy asked me to leave a message. left message. 
XX/XX/XXXX - XXXX Spoke with XXXX advised the balance was still owed on the account. I advised that i received a cancellation of debt letter 1099-C. she advised just states you are not responsible and we will no go after you. i ask why is this out stating then? she responding because you still owe the money i advised again then why did i receive this 1099-C to claim as added income to my taxes? She said she didn't know that is different department. i then asked which department it was she said " they only sent those out '' i asked how to resolve this because i received 1099-C she advised since the debt is still owed i can can settle it will show paid on the credit report then. I then asked " you want me to pay on a debt that is cancelled? she responded the money is still owed but it is up to you if you want to pay it or not it still stays on your credit. you can clear it up by settling the account. I asked for what would be the settlement amount she advised XXXX i asked " So if I paid this then I would get another 1099-C which doesn't make sense because i am claiming is income twice. '' She responded " you would have to talk to a tax professional, and those form are sent out by a different department. '' i asked which department to talk to she advised that they just send out the form and to talk to a tax professional '' i again advised i did and they advised me to claim it on my XXXX taxes. There was no resolution to call she kept trying to collect on a canceled debt so i ended the call. 
XX/XX/XXXX - XXXX spoke with an agent after explaining the situation said hold on one second and then transferred me to a fax machine. 
XX/XX/XXXX XXXX attempted to call back advised hold time was 25 min. disconnected call
Product: Payday loan, title loan, or personal loan

I had been looking at my options online for a personal loan but never actually applied for one. The next day I had a flood of emails and text messages from numerous companies. Target Cash Now had sent me a link to see how much I was approved for on XXXXso I clicked on it to see how much the loan would be for not knowing that it would be an actual signature to a loan ... very tricky and not fair. The amount of the loan from them was {$700.00} and the amount owed is currently {$1200.00} as of XX/XX/21 and accruing daily. I called them to explain that I did not apply for this loan and that my banking account is now froze due to fraudulent activity because two companies, including Target Cash Now were involved according to my bank manager. I did make a police report but am still awaiting word on the investigation. The fraudulent activity was the checks sent in were not legitimate. Target Cash Now never asked me any qualifying questions ... income, personal, nothing at all.
Product: Checking or savings account

Submitted a wire transfer request on XX/XX/XXXX. On XX/XX/XXXX I had XXXX discussions with VioBank and was told the funds would be transferred out XX/XX/XXXX. Received a call on XX/XX/XXXX and now told it won't be processed due to an inability to read my signature. I've been waiting XXXX  days for the wire to be sent. This is delaying my home closing and I will be subject to forfeiting my XXXX money of XXXX due to not complying with the terms of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to Experian, XXXX   or XXXX  online, I can not seem to be successful as each one causes an error.
Product: Mortgage

in XX/XX/XXXX a line of credit was taken out on property XXXX XXXX XXXX in XX/XX/XXXX refinanced and 2nd mortgage was supposed to be forgiven, kept paying on 2nd until XX/XX/XXXX when refinanced we were told to stop paying on 2nd due to forgiveness program. We hired an attorney to handle 2nd mortgage ( law firm XXXX and XXXX, attorney on file XXXX XXXX address XXXX XXXX XXXX XXXX XXXX My husband who recently XXXX XX/XX/XXXX last told me lawyer above handling and instructed to stop paying on 2nd. Last payment to 21st Mortgage Corporation was XX/XX/XXXX according to statue of limitation law 2nd mortgage is 4 years. When the above property was in escrow right before escrow I was told that 21st Mortgage Corporation was taking XXXX from the sale of my property. I called them and tried to settle with them, get late fees taken off and explained 4 years was statue limitation and 2nd was supposed to be forgiven. They did n't want to hear it and bottom line property was already in escrow, I could n't back out and now this 21st Mortgage corp took XXXX of the sale pos my property above. I want them to give back my money in full due to statue of limitation 4 years on 2nd mortgage. If this can not be done I want a settlement offer from them for the 2nd that we both can agree on and refund the difference. I already have a attorney who has instructed me on above references to statue of limitations and so forth and if something can not be done in this matter then I am ready to move forwards on legal recourse in this matter. 
The loan number is under my husbands name and is # XXXX & XXXX it was a line of credit /2nd mortgage I believe ... he is the one that handled all the finances, so as you can imagine I was not only left grieving wife but had to find out when i sold the property someone was taking all my money. 

If needed I will provide my lawyers name and number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS 28 LOANS LIST ON MY TRANSUNION AND XXXX AND ONLY ONE LIST ON MY XXXX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND XXXX. THE ONE WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XX/XX/XXXX AND ON XX/XX/XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XX/XX/XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.