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

On XX/XX/XXXX I mailed my letters to XXXX, Equifax, and XXXX explains to them how they have broke my consumer rights and exactly what inquiries and accounts need removed from my consumer report. It has now been well over 30 days and I have still not heard anything from anyone of the credit bureaus listed earlier. This is another violation not replying to me.
Product: Student loan

On XX/XX/XXXX, I was notified by my student loan servicer, Edfinancial, that my grace period for my student loans was ending and that I would start to make repayments on XX/XX/2023. The problem with all this is that I am enrolled as a university student. Ever since that notification, I was back and forth with my university financial aid office and they gave me information and advice to contact my servicer directly and explain my situation. My financial aid office added that most likely my servicer would want me to fill out an XXXX XXXX XXXX XXXX to then take to my universitys registrar office but it was most important to contact them directly so they know of the error. I have tried via email, phone, and even live service chat over the course of the past several days but no one ever responded. The wait times for phone were astronomically long, going over XXXX hours. At XXXX point I was waiting for XXXX hours to see if an agent would pickup. Email was ignored for the most part and I didnt get a response in roughly XXXX days. Live service had no agents and multiple attempts of getting chat tickets would lead to the same result of there being no agents. XXXX still trying to get in contact with my servicer to tell them of my situation that is most likely a mistake on my servicers end but it has always ended in no contact ever being made.
Product: Debt collection

Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associates provided a copy of a monthly statement. That information does not prove they have the right to collect this debt. I would like them to provide me with the following : -What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor : Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service Please be advised 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
Product: Student loan

I have been trying to submit XXXX Deferment forms to Mohela for years. As mentioned I am in treatment for XXXX XXXXXXXX. I have submitted XXXX deferment forms since XXXX of XXXX. Mohela says they accept the forms online, but then it isn't connected to their billing department or something. Mohela refuses to schedule a meeting with me, despite me making clear that I am unable to just answer the phone when they call because of treatment or knowing I can't devote over an hour of time at that moment to meeting with them. I find calling them to be traumatic. Each time, I end up with a random customer service agent who has to come up to speed on the situation ( 45 min ), I'm on the phone for an hour+, and no one explains what's happening or WHY I'm having trouble. The agents says " someone will call you, '' but when I say that options doesn't work for me, can we schedule a time over phone or email, they say Mohela doesn't do that. The agents ( now 5+ at least ) can't resolve the issue or have someone schedule a meeting with me ( for example XX/XX/XXXX XXXX or XX/XX/XXXX XXXX ). Agents I speak with are frustrated on my behalf because they can see in the system ( as can I ) that the forms are listed as received and approved ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but I'm still being billed and reported to credit as delinquent. The agents even describe the whole situation as odd because it is like the forms acceptance, despite taking months to approve, and the billing/delinquent system aren't communicating, yet no one on Mohela 's end is figuring it out. There are no letters stating " this is what isn't working with your form, '' just you're delinquent and being reported. 

In the meantime, they have reported to my credit ( 120 days ). It's my only negative report. 

I lodged a formal complaint with them ( XX/XX/XXXX ), and only response I received ( was to send me the same forms again without any clarification of what didn't qualify on the previous forms or why they had been accepted but not applied. In summary ( response attached ) from XX/XX/XXXX : " Our records indicate the date indicated on your deferment form request ended treatment on XX/XX/XXXX and would only be applicable for another 6 months. '' No acknowledgement of my conversations with staff in XXXX or XX/XX/XXXX when said it hadn't been processed, the accumulated delinquency, credit reporting XX/XX/XXXX- XX/XX/XXXX, when I should have been on either the XXXX deferment or the federal COVID forbearance. 

Mohela didn't apply the COVID relief forbearance appropriately in my case either. It was suppose to be in effect until XX/XX/XXXX. Note that all of this was being reported and happening PRIOR, and the agent told me I had to specifically request that COVID forbearance. 

I'm not sure if I should include all the forms as they have personal information, but I am more than willing to give you anything you need.
Product: Credit reporting or other personal consumer reports

I have over 50 unauthorized hard inquiries to my credit I would like to remove.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It is my understanding that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Please review the documents ; some accounts have inaccurate reporting, amounts, and dates.
Product: Debt collection

I disputed an amount that was showing on my credit report under Franklin Services inc. I have informed them that the person they are looking for a different person with a similar name as me. I have disputed it with the collections agencies such as XXXX, and the others. Many people at Franklin Services have stated that their records show that I disputed the amount and that it was going to be deleted. I have asked for a confirmation and updated on this, as I have continued to receive mail and other information after the dispute I submitted. They have informed me that they do not send out letters confirming this as per my request and have hung up on me multiple times. I have asked to speak to a higher person and they change the names and before giving me phone numbers, hang up on me. They also give me information at the beginning confirming everything Im saying and then go back and say they never said that.
Product: Debt collection

I recently pulled all three of my credit reports sometime in XXXX. I noticed a collection account for Enhanced Recovery Corporation. I sent a debt validation letter on XXXX/XXXX/2015 and as of today I have received nothing to validate the debt. I disputed with all of the credit bureaus but they say its been validated. How is this possible if I ca n't get basic information such as a last billing statement or contracts signed by me for this account. I have had my bank account compromised twice in the last two years and need to know if this is legit or not.
Product: Payday loan, title loan, or personal loan

I worked for Wells Fargo for about 2 yrs. In that time, I took out a loan and made my payments. Once I left the company due to the companys unethical behavior, and out laddish sales goals. I counited to make my payments which where automated by the company to come to be taken out of my account. The company then waiting 5 months to inform me that my payments werent being taken out. I set my automated payments once again and was back on track with payments via the company. A few months pass and again I get a call from the company stating I am behind and my payments have not been taken out. At this point more, money and fees had been taken out. I would like this removed and off my credit. Wells Fargo has taken advantage of its customers and I should not be penalize for unethical behavior. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am demanding these accounts be blocked and removed immediately because lt is the result of identity theft. Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 15 U.S. Code 1681i ( a ) 6 ( b ), and 15 U.S. Code 1681i ( a ) ( 5 ) ( b ).

I repeat I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$2900.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$2400.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$1900.00} XXXXXXXX XXXX  Date opened XXXX XXXX, XXXX Account number XXXX {$2400.00} XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$5700.00} XXXX XXXX Date opened XX/XX/XXXX Account number XXXX $ XXXX {$23000.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$870.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$7600.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$4800.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$410.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX. 
Date opened XX/XX/XXXX Account number XXXX {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$4100.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and notice I had fraudulent accounts on my report.Please remove these accounts, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

We closed on a home on XXXX XXXX the original loan went to SECURITY NATIONAL MORTGAge which had the first payment due XXXX XXXX XXXX. The loan was sold to XXXX before XXXX XXXX. I called Security National 2x to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the security national mortgage. I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at security national mortgage to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX  explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called national security to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I, XXXX XXXX XXXX, am a federally protected consumer who extended credit to American Express as of XX/XX/2022 and I am aware that American Express is in violation of my rights. Violations are included in attachments " XXXX, XXXX XXXX, XXXX, XXXX Response 2.pdf '' Please review the attachment, " amex.pdf '' to review my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX date XX/XX/XXXX showing negative. paid off traded in vehicle. 
XXXX XXXX XX/XX/XXXX Showing. negative. paid off traded in vehicle. 
XXXX XXXX paid off account Stating it will go positive in XXXX of XXXX XXXX XXXX XXXX paid off closed XX/XX/XXXX XXXX XXXX XXXX showing Potentially Negative paid off XX/XX/XXXX sold to XXXX XXXX is open with a recent credit increase showing potentially Negative XXXX XXXX paid off. XXXX XXXXshowing Potentially Negative XXXX XXXX merged showing Potentially Negative. mortgage now with XXXX.
Product: Debt collection

To whom this concerns, I went through a divorce in 2020 and XXXX XXXX XXXX from XXXX XXXX XXXX told the respondent XXXX XXXX that he needed to pay 50 % of the acquired joint debts within the legal documentation of the Divorce Decree. ( Please see attached Decree ) page 4, P-2 ( c ) I want to pay my portion of the debt that was ordered by the Judge and after which I would like for the debt to be taken out of my name. I contacted The National Credit Systems several times over the last 2 years who hold the fore mentioned debt and they told me that I have to pay the entire amount of {$6100.00} with no offer of reduction, even though I explained to them that I was only responsible for 50 %. I also told them that previously I received a reduced offer of {$3000.00}. They stated that wasnt their problem and I would have to pay in full. I also recently received documentation that didnt correlate, the rent was {$1500.00} and I was told the 2 months rent was suppose to have be paid however they added a reletting fee of {$3000.00} but the were able to rent the apartment out shortly after. So I am unsure of why there was a charged if the said apartment was rented. 

XXXX XXXX was awarded the house and had access to pay his portion of the debt and the joint credit card debt but he hasnt attempted to do so. The respondent has somewhere to live but as it is a broken lease although he told me that that he handed in the required notice. So now, I am the one having difficulty finding accommodation and with the current situation of hard economic times I am sure you understand why this is imperative to achieve a solution. 

Please can you look into this and assist Kind regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX & also XXXX Account 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 instuctions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

There is an account from XXXX  XXXX XXXX that was closed in XXXX. XXXX  XXXX XXXX does not have me on their files. This information continues to show on my Equifax credit report. When I call their dispute center they claim that they can not read the dispute results that they themselves have sent to me. 
The account shows that it was in good standing and closed in XX/XX/XXXX, however it shows that there were three late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is impossible because the account was closed in XXXX. The customer service that works in the dispute center refuses to help and they claim that they do not have access to my dispute information. If the dispute center does not have access to my dispute information then who does? How come they will not help me when the numbers clearly indicate an error?
Product: Debt collection

My social is not XXXX My name is XXXX XXXX XXXX not XXXX XXXX. 
I do not have a criminal record whatsoever. 
The bankruptcy has been illegally obtained! 
Ive had identity thief in place since XXXXXXXX XXXX XXXX 


They obtained records illegally without my consent stating that the us bankruptcy courts gave them this information and they did not when i tried to ressolve this matter they told me that the courts did. I went to the courts sent them the paper showing proof an they still lied on the courts now I am notifying you guys of this complaint because it is improper and unlawful! I also recorded the conversation of multiple people lying which now i am building a case .They refuse to fix my background check that is expundged and they also ignored anyone that I have had to help me. I also have n identity thief that they ignored also as well.Im tired of them not changing my scores and being outdated