23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit 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 blocking the erroneous information which 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 Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Debt collection

After attempting several time to contact XXXX XXXX about a collection on my credit report I contacted my insurance company and after long holds on phone they got thru and stayed on the line with me and resolved any and all debt owed to them. This was on XXXX2018..

After all debt was cleared up the collection agency posted a new debt on my credit report. I called the collection agency and they informed me XXXX XXXX   reported a new debt to them.

I called my insurance company again and after long hold I was assured there is no responsibility on my part to them and everything was paid in full.

I just received a bill from the collection agency ( via mail ) for the entire amount that was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX  alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Product: Credit reporting

Experian has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than XXXX occasions and they keep me on hold for long times and eventually the call is disconnected. When I asked a representative to give me a direct number to call the dispute department because I keep getting disconnected after long hold times he stated " we do not have a direct dispute number. '' I was told that I just have to call the general number and be transfered. I have yet to have a single successful transfer. When trying to file an online dispute they have a XXXX word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.
Product: Student loan

I have student loans that were originally being serviced through XXXX XXXX, but then moved to XXXX. When I entered repayment after my 6 month grace period, I was give inaccurate information about repayment options via phone on more than 1 occasion. While I did my own research and knew there were multiple repayment plans, XXXX  consistently told me that the lowest payment plan I could be on was the plan that capped my payments at 20 % of my discretionary income. Each time I called, I asked to enroll in a IDR plan that capped the payment at 10 % of my discretionary income and each time I was told by the phone representative that there was no such plan and that I was already on the lowest payment plan. This was false information. When I complained, they told me they sent me information about all the repayment plans. However, when I attempted to enroll in a different plan, I was consistently blocked by the phone rep who told me I was already on the lowest plan. 

As a result of being on this higher payment plan, I ended up making extremely high payments for the first 2 years of my repayment. I was eventually able to switch to the IDR plan. However, the 2 years of overpayment drastically impacted my ability and decision to stay in a public service role. I chose to leave public service because I calculated that I would not benefit from PSLF given that my monthly payments were so high. I made a decision to try and pay all of my extra income to my loan since I was under the impression that I would not benefit from public loan forgiveness ( my payments were around $ XXXX x 120 months = XXXX, which was higher than my principal balance ). Secondly, I decided that I should look for a different position outside of public service so that I could afford my loan payments. If I had been given truthful information from day 1 of my loan repayment, I would have stayed in public service and ultimately benefitted from PSLF. I would have had much lower payments so that in the end of my 10 year repayment period, there would be a balance left to forgive on my loans. 

I would hope to receive some kind of resolution to this complaint, as it seems like XXXX  systematically deceived borrows in this manner. Their practices have forced me to make decisions I would not have otherwise made about my life, where I live, and my career, and have caused huge financial burdens and stress.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX -Amount {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$1500.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) - Opened XX/XX/XXXX - Amount {$94.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX - Amount {$1900.00} XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$9000.00} XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Team, I see inquiries run on my XXXX  report and i am not aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided Equifax with an FTC report and the law clearly states the following : XXXX XXXX Code XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 

Equifax received my FTC report ( attached here along with my full dispute ) and they did not follow the LAW. Equifax is not superior to the UNITED STATES LAW and MUST comply with Code of federal regulation. They made claims to verify the accounts however, under section XXXX ( a ) ( XXXX ) ( A ) they have to provided me with any physical proof, a consumer contract with my signature proving ownership of what they are reporting. Equifax is not doing their job and they are costing me my natural rights to credit. I have included my full dispute along with every violation and punishment available by law if Equifax does not rectify my credit report immediately. I will hold all parties accountable and will seek my full remedy for all violations and hold Equifax and all accomplices criminally liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I experienced a hardship and an account with Capital One was charged off. My accountant requested that I ask Capital One for a XXXXXXXX XXXX form. I have repeatedly asked for this from the creditor but I was told that they do not issue the XXXXXXXX XXXX  form for a credit card with a security deposit that is not an interest bearing account. This was not a secured credit card and I never put up front any security deposit.
Product: Debt collection

United Revenue Copr. is reporting seven accounts to my credit report and have refused multiple requests asking them to validate these accounts with proper documents. They stated that they are " classifying your continued vague disputes as frivolous attempts to dispute information you know to be accurate. '' I am allowed to request and receive these documents. They have not provided any documents that allow me to verify if this is my debt or not. I specifically requested to see my signature but they ignored my request. Several of these accounts have the same medical provider listed and the exact same dollar amount listed.. They did not send me any documents from the source of the alleged debt. They simply typed a date, doctor name, an exam number, and dollar amount below their reply to my request. By them refusing to provide the information I requested I am unable to determine if these accounts are mine or not. 
1st account : XX/XX/XXXX {$630.00} 2nd account : XX/XX/XXXX {$730.00} 3rd account:XXXX {$730.00} 4th account:XXXX {$730.00} 5th account:XXXX {$840.00} 6th account:XXXX {$480.00} 7th account : XX/XX/XXXX {$480.00}
Product: Vehicle loan or lease

Dear Sir / Madam, I am giving you chronologically my complaints. 

1. I bought a brand new XXXX XXXXXXXX XXXX XXXX SUV from XXXX XXXX XXXX  XXXX XXXX in XXXX. The Title is attached. 

2. In XXXX of XXXX, I noticed paint peeling off from different areas of the vehicle and I e-mailed XXXX XXXX of the dealership. The email is attached along with responses dated XX/XX/XXXX. 

3. A lady from the dealership called me a few days later and said that the situation was not in their hands and the decision to correct the fault would lie with Mercedes Benz Head Office in New Jersey. 

4. I waited for over 4 months for a response. I had to get a tire replaced at XXXX XXXX XXXX XXXX and the Sales Consultant saw my car and remarked that lots of these " scarlet red " SUV 's were having the same problem. 

5. I contacted XXXX XXXX XXXX XXXX again, spoke to XXXX and sent her quite a few pictures of the affected areas. She advised me that her Service Manager would respond to me. 

6. After a few days, she said that her Service Manager requested me to contact the Head Office as they could not help me. 

7. Thereafter I wrote an email to the Executive Referral Manager - XXXX - On XX/XX/XXXX. XXXX. The email is attached. 

8. On XX/XX/XXXX. XXXX XXXX, the Manager of the XXXX XXXX Repair facility on XXXX XXXX, XXXX, Louisiana called me over the phone and requested that I bring the vehicle to his workshop so that he could inspect it. 

9. He inspected the vehicle, took pictures of the vehicle and made me sign a form. Verbally, he confirmed to me that he would start working on my car around the first week of XXXX and it would take about three weeks to complete. He also said that they are correcting the defects of this particular model and car color one every month. 

10. On XX/XX/XXXX. I called the Repair facility at XXXX XXXX. I gave her my details and she advised me that they did not have the approval to re-do my car and that they could not not tell when it would be repainted and speculated perhaps in XXXX / XXXX of XXXX. I was quite disappointed. 

11. On the very same day, I wrote an email to " XXXX " and the email is attached. I advised him that if I did not hear back from him, I would have the option to contact any entity to correct this fault. The email is attached. 

Attachments : 1. Title. 
2. 3 Emails 3. Photographs of the vehicle.
Product: Credit card

XXXX I was browsing online and decided to apply for an XXXX XXXX XXXX XXXX XXXX, which is run by XXXX XXXX. 

When I went to fill out the application, someone had already filled out the application but with a different address. 

I know who is responsible for this. He had already done this twice before, and as a former in-law, he had access to my SSN, phone number and middle name!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect amount owed High balance was XXXX after disputing this because this vehicle was sold with permission of finance company The new owner didnt keep there obligation to the finance company I did not agree to stay on this loan every time I tried to resolve this issue they charged me additional money the last payment that was made on this vehicle was made on XX/XX/XXXX they have since my multiple disputes they have from XXXX of XXXX until XX/XX/XXXX change my credit file to 180 days late and fraudulently claim the balance owed is XXXX the actual balanced owed was XXXX this was done in retaliation to my multiple disputes
Product: Credit card

I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!
Product: Mortgage

I am writing in response to Rushmore Loan Servicing Response dated : XX/XX/XXXX regarding my CFPB Complaint : XXXX. I am requesting that my loan be transferred to another Loan Servicing Company. Your Response on XX/XX/XXXX is still full of lies and misconceptions and is still Retaliatory and I will be escalating these issues to VA & Congress. 

We did complete a Loan Modification Application with XXXX XXXX who placed our account on a Forbearance through XX/XX/XXXX and transmitted this information to you. Also, your letter that you referenced in reply to this complaint - XXXX does not explicitly state that date which has been communicated to Rushmore Loan Management Servicing over 15 times via, email, phone, and CFPB Complaints. These statements contradict your false accusations, as if we did not complete a Loan Modification Application. 

Secondly, I have attempted to get in contact with XXXX XXXX over 5 times and have left 2 Voicemails on last week with no reply. I also called today and receive voicemail and had to be transferred to her again by another Representative. Why do you assign accounts to Representatives who have not intentions on reaching out to the Consumer. I was trying to reach her to levelset and touchbase on my status, but there was 0 attempt to reach back out to me. 

I am requesting that my Loan and Forbearance status be reassigned to another Loan Servicing Company which has our best interest in mind without polluting lies and stall tactics when we are making concerted efforts to speak with a viable experienced Loan Modification Representative.
Product: Student loan

They refuse to let me make a payment over the phone without a cost. They refuse to give me a lower rate due to my finances because I have a co signer whom refuses to speak with them. Two years ago I sent them papers to change my name and it 's still my married name from 10 years ago.
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 has violated my rights. Or a 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: Payday loan, title loan, personal loan, or advance loan

Pioneer Military Loans is not honoring Louisiana XXXX, Louisiana statute XXXX to my loan. I have provided the above statute on other loan companies and have credited my account and adjusted the new rate. Company states federal XXXX application notes but will not comply with state law Subsection A and onward A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I set of pay arrangement with the original debtor XXXX  XXXX. When my debt was sold to a collection agency midland that started harassing me on my job. I then attempted to dispute account it was removed and then placed back on my account a few months later. I do not owe anymore monies to this company and would like to see the original contract for proof.
Product: Credit card

To Whom It XXXX Concern, On XX/XX/XXXX, my Bank XXXX XXXX card was used to debit {$35.00} from my personal XXXX XXXX Bank account. On XX/XX/XXXX the same was used to debit {$35.00} from my XXXX XXXX account. This account has been paid off in full and closed since XX/XX/XXXX. Please stop all debits from this account. This account is permanently closed and I DO NOT authorize any further actions, payments, or otherwise. I have alerted XXXX XXXX of this fraudulent activity and I want it documented with the XXXX and XXXX as a failure of Bank of America to handle this account properly and have as a result committed violations, including theft. 

On XX/XX/XXXX - I paid off the final amount online through the portal in the amount of {$2800.00}. I received an online error message, as follows : Unable to complete your request at this time. ( Reference XXXX XXXX ) On XXXX I called BOA to pay over the phone, because the payment didn't go through online yesterday. At this time, I closed the account over the phone. 

On XXXX BOA XXXX went through with my XXXX XXXX Bank XXXX # XXXX for {$2800.00} On XXXX BOA attempted XXXX take another payment out from XXXX XXXX Payment # XXXX for {$2800.00} which failed, and XXXX XXXX XXXX XXXX Not processed. 

On XXXX BOA XXXX the balance payment # XXXX from XXXX XXXX Bank for {$2800.00}. 

On XXXX BOA XXXX to take out the final payment # XXXX from XXXX XXXX Bank for {$2800.00} On XXXX BOA did XXXX refund payment to my XXXX XXXX account for {$2800.00} Payment # XXXX XXXX On XXXX I spoke to a Supervisor from BOA on the XXXX, XXXX, indicating XXXX a BOA employee sent XXXX the wrong paperwork on XX/XX/XXXX, which set off this error of chain of events. She advised that this is under review with no further leads. 

At this time, BOA needs to withdraw {$2800.00} minus {$70.00} from my XXXX XXXX Checking account to correct these above issues and mark no further actions on my account. On XX/XX/XXXX, I requested a letter from Bank of America stating that this account has been closed, and am currently awaiting this evidence. 

This needs immediate attention to ensure no further acts of theft occur and to ensure this is not happening to other clients with improper conduct of business and improper customer service. 

Please send this to a supervisor with the appropriate governing agency for immediate review.