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

In accordance with the Fair Credit Reporting XXXX Account # 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.
Product: Debt collection

Every single business day XXXX XXXX on behalf of Elan has called my business in excess of 10 times a day. When I answer, they ask for someone who is not present at the business and are unwilling to talk to anyone else. I ask them to stop calling me and they simply tell me they can't stop the calls from happening. I've tried speaking with managers, etc. and no one is willing to stop or reduce the call volume or speak with anyone else in the business. It is downright harassment and is extremely aggravating. I warned them I would be submitting a complaint and they told me to go ahead.
Product: Student loan

THIS IS NOT A DUPLICATE COMPLAINT! The first complaint was about processing ALL MONTHS o loan payments. The company DID process some months, but they literally left off the months that would have qualified me for full loan forgiveness. THIS IS NOT A DUPLICATE COMPLAINT! 

My name is XXXX XXXX. My Federal Loan Servicing account number is XXXX. I received notice that my account had finally been adjusted after 6 months of waiting. While there were certain pay dates added to my eligibility, the period from XXXX, XXXX through XXXX of XXXX was not added. This is the EXACT period that needs to be processed, and with which I would receive my full loan forgiveness. I have already certified employment ( and even have some month p [ roperly counted ) with the XXXX XXXX XXXX XXXX XXXX. This employment, which also covers the period of XXXX, XXXX thru XX/XX/XXXX, would provide me with loan forgiveness once you update those months as being qualifying. Why was every month from XXXX, XXXX through XXXX of XXXX added, but nothing starting when my XXXX employment actually took place? When will this update be completed? I have waited 6 months and then you make a pointless update that added only 1 month, instead of adding around 20 months. Please correct this and process my loan forgiveness. XXXX XXXX XXXX
Product: Debt collection

I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now I have not contacted through phone call on any date or During the date before or after XX/XX/2023, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..
Product: Mortgage

I am trying to cancel our PMI earlier than was scheduled. We paid extra on the loan as was required to bring it below the 80 percent threshold, but then first we couldn't get through on the number to figure what to do next ( and there was no information about this clearly stated on the Bank of America website ). We finally got through to someone once I filed a XXXX  complaint and complained on social media and that told me the PMI would be cancelled, but later someone else called and said I had to get an appraisal done. They sent out a letter about the appraisal costs, and I sent back a check for the appraisal along with a request that one be done. I thought the PMI would finally be cancelled, but I just got a notice from the company via their online system that the check was being remitted because our contact information was incorrect or they couldn't get ahold of us. This is clearly not true. We've been with BofA for years and all our information is clearly listed with them. We have regularly paid our mortgage and we do not have any other liens. They are making it impossible to cancel my PMI even though we've met the requirement necessary. It has now been almost 3 months since we paid off the XXXX percent.
Product: Mortgage

Guaranteed Rate, Inc. ( " GR '' ) is my mortgage lender for the pending purchase of a house. This complaint involves the following GR employees XXXX XXXX ( VP of Mortgage Lending ) ( " XXXX '' ), XXXX XXXX ( Loan Coordinator ) ( " XXXX '' ), and XXXX XXXX ( " XXXX '' ) ( Production Manager ). 

After a number of other mishaps during the pre-closing process, we were first told that XXXX finally submitted our application to the real lender this past Friday ( XX/XX/XXXX ). We were scheduled to close today ( XX/XX/XXXX ). Despite assuring us on Friday that we were " on track '' to close on time, XXXX and XXXX failed to disclose of mistakes delaying our close. They then failed to answer direct questions -- on Friday, Monday, Tuesday, and Wednesday -- about when documents were sent so that we could evaluated whether closing needed to be moved and seek and extension from the sellers. Finally, at XXXX Wednesday XXXX -- hours before we were scheduled to close -- XXXX told me via a phone call that XXXX had mistakenly sent documentation to XXXX rather than the investor, XXXX XXXX, and that it lead to the delay. She then promised to provide me details in writing by the next morning so that I could assuage the sellers ' concerns and obtain an extension. 

On Thursday ( XX/XX/XXXX ), I received a call from XXXX informing me that the information provided by XXXX -- which I had shared with the sellers as we tried to work towards delaying the closing at the last minute -- was incorrect. In fact, no information had been sent to XXXX. Rather, when the XXXX XXXX underwriter had returned the file to GR on XX/XX/XXXX, it had done so with a direction that the property appraisal be sent to collateral underwriting. GR ignored that direction until it finally sent the appraisal over to collateral review on XX/XX/XXXX at XXXX XXXX. This was not disclosed to us until my call with XXXX on XX/XX/XXXX at XXXX. 

On that same call, XXXX assured me that there would only be a 3-4 hour turnaround once approval from XXXX XXXX was received because our filed would be in " rush '' protocol for GR. Coincidentally, XXXX XXXX sent over approval by collateral review just after our call, around XXXX on XX/XX/XXXX. XXXX left me a voicemail that afternoon indicating they had received approval and would " work on a closing for tomorrow on a rush. '' Despite those promises, as of XXXX on XX/XX/XXXX the file is still " in line '' to be reviewed by underwriting. The sellers are now threatening not to extend the contract. XXXX is backtracking on his promises yesterday, saying in a XX/XX/XXXX XXXX e-mail to me that " I never once said we were closing today. '' GR is refusing to take accountability, refusing to fix the problem, and refusing to make amends for their errors.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit bureaus for their repeated failure to respond to my dispute letters concerning incorrect information on my credit report. Although I have made several attempts to address this issue through the proper channels, the credit bureaus have not complied with their obligation to acknowledge or investigate my disputes, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action is a clear violation of the FCRA, which requires that credit bureaus investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with XXXX, Transunion and XXXX credit reports on my payment history. Specifically XXXX credit cards 1. JXXXX XXXX - XXXX, XX/XX/XXXX On XXXXXXXX XXXX end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report 2. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well 3. XXXX XXXX, XX/XX/XXXX I was hospitalized with XXXX but I never missed a payment.
Product: Mortgage

Contacted the lender ( SPS ) regarding documents for a refinance. After months of attempts. XXXX XXXX - XXXX XXXX XXXX we were stalled on various recorded phone conversations regarding an ACTUAL HARD COPY OF THE MODIFYING NOTE Itself. SPS has produced a copy of the loan modification application, and they have the hardship letter in their possession ( submitted by the borrower, me ) however to date they are unable to produce the actual signed document regarding the loan modifications. We did apply for a loan modification on XXXX/XXXX/XXXX and SPS informed us that the government program regarding the loan modification was no longer available. To date there is no change or was never a change in the mortgage payment to account for a loan modification. SPS has stated on XXXX/XXXX/XXXX that a " REQUEST FROM THE PRIOR SERVERS ( of the loan ) TO PROVIDE ACTUAL COPIES OF THE LOAN MODIFICATION. We are quite frankly finding it hard to believe that they have all copies of the loan modification documents except the most important part of a loan modification ( the very document that explains the financial workings of a loan modification ) We were also told that this was an open ended time frame for acquiring these loan modification documents and that we would just have to wait. We have come to your agency in hopes that you can assist in resolving this important issue within agreeable/allowable/lawful timeframes. Any and all immediate assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

My account was low and they withdrew money from my account without knowledge. Then closed my account.
Product: Credit card

Citibank Credit Card XXXX. It comes as " You have a voice mail. The voice mail says something to the effect " Thanks for being a valued customer. You can call Citibank at XXXX XXXX XXXX. I have blocked this number to no avail. I get a voicemail every day. I delete it. Since it comes only as a voice mail, I have no idea what phone number the voice mail is coming from. I have called XXXX. Apparently, the person by the name of XXXX XXXX XXXX or XXXX had an account and used that phone number. She no longer has an account. I am tired of deleting the voicemail. I am tired of my cell phone ringing in the early morning hours. Please help in any way you can. Consumer cellular says since it isn't coming through as a phone call, there is nothing they can do, and said I should just delete it.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND NATIONSTAR FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Product: Consumer Loan

In 2014 I signed as a co maker for my grandson XXXX XXXX to purchase a new car through Ford Motor Credit account number XXXX. At the time of the transaction my credit rating with all three credit agencies was over XXXX and as high as XXXX. It never went below XXXX until this recent event. My grandson missed a payment but as co maker I was never notified until I discovered this on XXXX when to my suprise I found my credit score had been reduced by nearly XXXX points. I have never been notified of any problem even though I was legally obligated as a co maker. Once I became aware of the issue I called Ford and immediately paid off the loan in Full with the understanding that Ford would notify all XXXX credit agencies of their error in not notifying me of the problem and instruct them to remove any negative remark from my credit report. The loan is now paid off but my credit score only increased XXXX points and has not been restored to the XXXX plus number I have always received. I was my credit score reinstituted to what it was. I have XXXX debt and over {>= $1,000,000} in assets. There is no possible justification for this low score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX
Product: Money transfer, virtual currency, or money service

My cash app account was closed with no warnings. I tried to use my cash app card. It was declined, i than received and email stating my account was closed please follow these steps to cash out. I did but it wont allow me to cash out my money. Several emails later with the same responses yhat the account ia closed. But they allowed my child support direct deposit to still go through. Now I can not speak to anyone. I have {$3000.00} just stuck in a app with no customer service or anything.
Product: Credit reporting or other personal consumer reports

Im 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 : //www.ftc.gov 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 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 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 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/2023 I disputed 4 individual accounts to Americollect which is station in XXXX, WI. and they replied by sending me a bill with my personal health information XX/XX/2023. Simultaneously on XX/XX/2023 I disputed with all 3 Credit Bureaus " XXXX XXXX XXXX XXXX '' and all 3 Credit Bureaus removed account # XXXX On XX/XX/2023 I sent 3 individual validation letters disputing the remaining 3 out of 4 accounts and Americollect responded with a bill from account # XXXX addressed from XXXX, Texas. I was astonished by this because Americollect is based out of XXXX, Wisconsin. Now, the first validation letters came from Americollect out of XXXX Wisconsin. This last letter with the bill inside is from XXXX, Texas. If Americollect couldn't validate account # XXXX from the first validation letter from XX/XX/2023, how can they verify the remaining 3 accounts?
Product: Credit reporting or other personal consumer reports

I was enrolled in the hardship program due to XXXX. I was told by the associate when I enroll and pay the initial {$25.00}, my account would be brought current. The {$25.00} dollars payment would continue for 6 months for me to come to the orginal terms. I enrolled before the account was 30 days late in XXXX. In XXXX I made the {$25.00} payment and cleared the payments due that were included in the hardship program. Even though I made the payment XXXX posted the payment in XXXX. XXXX is now reporting me 60 days late, even though I paid off the amount due in the agreement. 

This is the second time XXXX turns around on the agreement. My account being current was a condition of the intial payment and me enrolling in the program. XXXX now says their employee is wrong and that their policies are on the website. If they are not going to honor the recorded agreement that was made as a condition of my payment, my payment needs to be returned and the agreement is null and void. Now I paid the full amount pending in the hardship under the same agreement and even thought it is paid, they are still claiming I am 60 days late. 

XXXXXXXX XXXX is abusing the credit bureau with false reporting and inventing rules as they go along. They make agreements, which they break. The XXXX XXXX  own website shows I am current, yet they continue to report me 60 days late.
Product: Student loan

MOHELA placed my student loans into a federal forbearance due to my XXXX plan application not being reviewed within a 60 day period. I received an email on XX/XX/year> stating that interest would not accrue on my loans while in federal forbearance. I then received a letter on XX/XX/year> stating that interest is accruing. MOHELA is unable to state why interest is accruing, stating that it will be fixed but taking no action to remedy the situation. My student loans are currently still accruing interest but any payment made will not count toward Public Service Loan Forgiveness while my loans are in forbearance. Their customer service department is incredibly difficult to get a hold of and they lack the knowledge to help those who have questions.
Product: Student loan

I took out XXXX student loans from ( then ) XXXX XXXX, later turning into Navient. The XXXX loans totaled XXXX dollars for a computer school that did not provide the education that was advertised. I was unable to pay loan payments and was put into a forebearence program and my loan is now over XXXX dollars. I have recently gotten into a payment program but this program only lasts a few more months. Almost double the amount I owe seems outrageous.