23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XXXX, I started receiving notifications via email/voicemail from XXXX that I had a balance due on a student loan with them from disenrolling in the Pastry program there. I returned the phone calls and countless emails with multiple reps in the financial aid office and the admin offices and they couldnt find a account that was past due in any history and wasnt sure why I was still getting notifications. It escalated to the financial dean & the dean of the college and they said the account was fulfilled and nothing was due on my end of things and assured me nothing would go on my credit report and I do not owe any money since Ive paid what I needed previously. Fast forward to XXXX, I start receiving multiple hounding phone calls from multiple random numbers from ATG Credit regarding a past due balance of {$4200.00}. I explained to them that I do not owe this and I have no clue where this amount came up. Coincidentally, the amount coinsides with the amount back in XXXX that I kept receiving notifications for. I explained to ATG that I resolved this last year with the dean and the financial aid office and ATG explained that XXXX was the one that sent it to them. After the phone conversation, ATG was going to contact XXXX and resolve this. In XXXX, Ive gotten about 4-6 calls a day from ATG about collecting the amount and now on my credit report, ATG reported another amount of {$5000.00} and I never received anything in the mail for the past 2 years from ATG or XXXX. This has not only been an ongoing issue for 3+ years, in the middle of a pandemic, its not fair for ATG & XXXX to take advantage of a former student and to recoup any money theyve lost from the pandemic. I do not condone this action and request for it to be finally resolved after all this time because at this rate, I feel like I do have to take legal action if this isnt resolved. Putting in the request with CFPB is my last ditch effort to get it resolved at the consumer level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Mariner Finance that was paid in full in XX/XX/XXXX. Mariner reported no data on the account to XXXX in XX/XX/XXXX which is about when paid in full. Mariner then reported it 90 days late in XX/XX/XXXX. Then then reported no data to XXXX every month from XX/XX/XXXX to XX/XX/XXXX when they began reporting in as being 90 days late every other month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they clearly report {$0.00} balance on the account. 

Excerpt copied from XXXX credit report : 4.8 MARINER FINANCE , LLC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number xxxxxxxx XXXX Reported Balance {$0.00} They have provided clearly false information on this account and have refused to remove the information. Reporting it as being 90 days late for every other month in XX/XX/XXXX is fraudulent.
Product: Credit reporting or other personal consumer reports

There is an XXXXXXXX XXXX  loan on my credit report and it is passed the year for it to be removed. I have tried to get in contact with someone about this issue and have not received any response. I would like this loan removed immediately from my credit report.
Product: Student loan

I have reached out to Mohela multiple times now. They are the new loan servicer for my private loans. All my federal loans were XXXX from XXXX XXXXXXXX XXXX. The only ones that are left are my private ones from the same exact school that was convicted of misconduct. I tried to fill out the borrower of defense application and sent it to them certified mail, and they IMMEIDIATELY denied it and will not allow me to submit another one. I don't know if I need an attorney or what, but I need help. I have payments due on XXXX and I asked for them to be deferred or in forbearance while I figure out what to do and that was denied. They offered me an option to consolidate my loans. The thing is that these loans were fraudulent. I was told at one point that I had some sort of grand/scholarship, and it wasn't anything of the sorts. It was a XXXX that XXXX tricked me into. I feel like deceptive things may be going on at Mohela. They don't want to help me with this, but I really need some help. What do I do?
Product: Credit reporting or other personal consumer reports

Since the beginning of 2023 I have begun disputing the BANKRUPTCY. That Thus Credit reporting agency have reporting for me. TransUnion has failed to validate this debt belongs to me. There has been no attempt to deliver the validation as the company has failed to provide such validation since it has been over a year and a half and my address is clearly on file with the credit reporting agency. At this point all there responses are vague and does not validate that the Bankruptcy has factually been verified to be my debt. They are stall tactics. So now is 14 days for the Deletion. Or I will be moving forward with litigation. My information was shared between to parties that was researched via a public record ( PACER ) ( XXXX XXXX ). XXXX and XXXX have both XXXX the negative derogatory account. TransUnion needs to follow the FCRA, FDCPA, UCC, and Metro2 compliance guidelines.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 **In addition hard inquiries not made by myself : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Money transfer, virtual currency, or money service

Sent money to the wrong person and never was a warning or live agent to talk to.
Product: Debt collection

I received a letter from MRS for the XXXX XXXX Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.
Product: Mortgage

LoanDepot is not funding my mortgage, it has been 14 days since signing the paperwork, and wiring them over {$4500.00} in closing costs. They do not respond to my messages, and now I need to make a payment to my original mortgage company. It has taken them over 4 months to even get to this point, having started with them in XXXX for the refinance process. Additionally, they continually extend the locked rate of the mortgage even though rates have dropped since the original rate lock expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts repeatedly and companies continue to verify the wrong information for n them. They now refuse to let me dispute them anymore. In my opinion they are not even investigating the issue because the results either stay the same or reaged because they change the 1st derogatory mark to a year or more later date. The accounts are : advancing fcu, XXXX cards, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX. Also XXXX XXXX and trust date of first delinquency is wrong also, and XXXXXXXX XXXX XXXX was not included in XXXX XXXX If these companies are the ones re aging these accounts I will also file a report on them, but I believe experience is not even investigating the issues.
Product: Debt collection

Medicredit violated my Hippa rights This is a third-party collection agency for medical debt that I knew nothing about that I did not consent to being on my credit report Ive asked them to delete it several times and they never have deleted it as well as never was verified by me
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian block the following fraudulent accounts, inquiries, and associated addresses from my consumer credit report. These accounts, inquiries, and addresses are the result of identity theft and fraud. 

As mandated by the FCRA, I expect Experian to take action within four business days of receiving this complaint. 

The following names have been fraudulently associated with my credit profile and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at nor used the following addresses, and they must be removed from my credit report : XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX The following employers were fraudulently added to my credit report and should be removed : XXXX XXXX XXXX XXXX XXXX I did not authorize the following credit inquiries, which resulted from identity theft. They must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX following accounts were not opened, made, or initiated by me and must be permanently blocked from my credit report : XXXX Acct XXXX XXXX XXXX Balance : {$0.00} | Opened : XX/XX/XXXXXXXX XXXX  XXXX Acct : XXXX | Balance : {$1200.00} | Opened : XX/XX/XXXX Capital XXXX Acct : XXXX | Balance : {$1600.00} | Opened : XX/XX/XXXX Capital XXXX Acct : XXXX | Balance : {$2400.00} | Opened : XX/XX/XXXX XXXX Acct : XXXX | Balance : {$3100.00} | Opened : XX/XX/XXXX To support my claim, I have attached the following documentation, which has previously resulted in the successful removal of these fraudulent accounts, inquiries, and addresses from other credit bureaus : Illinois XXXX Drivers License Social Security Card FTC Identity XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Equifax investigate a dispute twice wit h   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . whose acc ount number for the account in question is  XXXX . I disputed this account because I have had no relationship with them and the information they were providing Equifax showed I made a payment to them o n  XX/XX/XXXX  which   coincidently shows that date as the last date that Equifax reported it updated. It was only updated when I requested the disputes. It came back verified as accurate both times even though I have proof that this account had erroneous information being reported by Equifax. Equifax told me to contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  to validate information. I s ent  XX/XX/XXXX  a request for  validation and proof of payment with proof of receipt on   XX/XX/XXXX  . I have not received anything from    XXXX   XXXX   XXXX   XXXX     regarding the validation of the above account. I called back to Equifax and they said there was n't anything else they could do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have disputed and contacted Military Star Credit, they continue to report account in collections, after closed and paid since XXXX. This original collection account was caused by Covid disaster and I was unable to resolve or pay account at that time. Why in reply states that after refunded credit owed to myself account continued in collections and stopped reporting, but how can they report in collections if I did not owe or have any debit to Military Star. They garnished my wages and paid in full. My account currently still in collections and frustrating and difficult to get this account updated and corrected. This is their reply without resolution : Hello XXXX XXXX XXXX, Thank you for contacting Exchange Credit Program. 

In response to your email and XXXX request, your account status is collections because your account charged off to collections in XX/XX/XXXX. Because of your account status your payment history if reported as collections. Which means your account is closed for use. This automatically put negativity on your credit report. 

After reviewing you were advised that statements stopped generating when credit balance was refunded XX/XX/XXXX. 

If you have any further questions, please email XXXX or Exchange XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your service and have a wonderful day. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our online store! www.shopmyexchange.com
Product: Credit card or prepaid card

I am the victim of identity theft. I have fraudulent charges to my credit cards and when I attempted to dispute them with capital one, they closed my accounts and refuse to remove charges. They are reporting late and closed accounts to the credit bureaus, ruining my credit. When I tried to trade my car in, I was denied because my credit score was XXXX. It was 650+ before this.
Product: Mortgage

Through XX/XX/XXXX, I was making monthly payments to PHH Mortgage Services in the amount of {$2300.00}. My payment  included escrow for taxes and insurance. In XX/XX/XXXX, I was notified that my payment was increasing to {$18000.00} based on an escrow analysis that was completed of my account. In XX/XX/XXXX, I stopped making payments. 

In XX/XX/XXXX, the loan was transferred to XXXX XXXX. I have obtained a document where PHH claims to have paid {$330000.00} from the the escrow account on my behalf. The loan was transferred to XXXX with a negative escrow balance of approximately {$140000.00}. 

I have obtained a payment history from the DC Office of Tax and Revenue ( OTR ) that shows they have received {$260000.00} in tax payments dating back to the date that I purchased the property in XXXX. The bulk of these payments have been made by XXXX ( approximately {$260000.00} ). 

I believe PHH Mortgage Services transferred the loan with false documents. I am also being charge interest and penalty payments in the amount of {$70000.00} during the period that my loan was current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to include my opt- in. opt- in to XXXX XXXX Equifax XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 
Here is the list of items which 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 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.