23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have called the credit company a few times before my promotion was going to end to see if they could extend it for 6 more months & they kept saying no. Also after the promotion ended I ended up paying almost {$100.00} for interest & I only owe {$4000.00} but making the minimum payment Im still at the {$4000.00} its not going down any & I cant make more of a payment because Im struggling to make payments. So they gave me the XXXX ( XXXX ) XXXX number to call they said they work with them but after answering all the questions & giving them all of my information they send me the email to sign the documents & its basically like a debt relief program & I didnt complete it because thats not what I asked for. Now Im getting spammed calls 24/7 since that day. Im getting harassed & cant get them to stop even after I block the numbers more keep calling me.

I would like the credit company to do something about that. Instead of them figuring out a way to help me they gave me bad information to get involved with this spam calling & I cant change my number because I use this for work.

I would like to request them to reduce half of my balance that I owe or to cover all of the expenses that I have left to pay due to all of this. & to honor NO interest fee for at least 1yr.

Instead of them helping me Im now even more stressed about paying bills & getting harassed every day by endless spam calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not researching disputes on unauthorized or fraudulent inquiries. Their online dispute website page will allow a dispute to be entered but they close the complaint/investigation within a couple of hours and the results always say " inquiries are a factual record of file access and can not be disputed ''. 

Their dispute and investigation process is not consistent with XXXX guidelines and continued violation will force me to seek litigation and possible class action lawsuit. 

I did manage to speak with Equifax and file a dispute with their telephone representatives and an investigation was initiated. On XX/XX/XXXX I received the investigation results stating XXXX inquiries would be deleted. Equifax Confirmation # XXXX showed : Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX- This item has been deleted from the credit file. 

XXXX Date XX/XX/XXXX XXXXXXXX XXXX - This item has been deleted from the credit file. 

However, the XXXXXXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX is still reflecting on my credit report. See attached Equifax XXXX with dispute results.
Product: Debt collection

I have calls recorded and set up a payment plan with Afni collections to start getting my license back after they had it suspended for non payment even though i had received no communication from them until after i got a letter from the state saying my license would be suspended. After my first payment I called the Mo license bureau and they said i needed a document verifying the payment plan. When I called afni back they said the payment plan previously set up didn't exist and they gave me a new one. Saying I needed to pay the XXXX dollar down payment then they would send out my documentation I need. After paying the down payment i called them and they said I needed to pay my first payment then they would send the documentation out in 30 to 40 days after they receive the payment. They have been dishonest, gave me the run around and withheld information from me from the start
Product: Credit reporting or other personal consumer reports

I would like to express my utmost concern regarding fraudulent items on my account that have not been promptly addressed despite multiple attempts to resolve the issue. As a valued customer of your institution, I trust that you will take immediate action to rectify this matter. 

It has come to my attention that there are unauthorized transactions appearing on my account statement, which I strongly believe to be the result of fraudulent activity. I have made several attempts to report these unauthorized transactions and have provided all necessary documentation to support my claim. However, the fraudulent items remain on my account, and the issue remains unresolved. 

I demand swift action to remove the fraudulent items from my account and conduct a thorough investigation into the matter to prevent any further unauthorized activity. It is imperative that my account is restored to its accurate and secure state without delay. 

Furthermore, I expect clear communication from your institution regarding the steps being taken to address this issue and prevent similar incidents from occurring in the future. As a victim of fraud, I deserve transparency and assurance that my financial well-being is being safeguarded by your institution. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Failure to do so will compel me to escalate this complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXXXXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor Santander nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. XXXX continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor Santander. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. Santander and XXXX continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,
Product: Mortgage

I had a mortgage with XXXX in XX/XX/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX/XX/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them.
Product: Credit card or prepaid card

My card has been breached, and my balance has been wiped out by a identity thief they froze my account so i can not reach the funds they replaced after i contacted them for two months i have not had access to my money, now my bills are all past due, they sent my benefits to another address and phone number without my consent.
Product: Checking or savings account

I closed my XXXX account in XXXX of XXXX and the company never refunded my funds or sent a check
Product: Student loan

MOHELA is not correctly applying the limited PSLF waiver in a timely fashion. I submitted my PSLF waiver in XX/XX/XXXX and they still have not properly adjusted my account for forgiveness correctly. They are showing 116 eligible and qualifying payments but denied 15 payments as not qualifying because no payment was due for those 15 payments or there was a forbearance period. That is completely false and even if it was true, those payments would still apply under the terms of the limited waiver. I think MOHELA is being fraudulent in their approach here intentionally to prevent loans from being forgiven because they lose interest and also lose accounts that they would have to service for the federal government. This is all about their bottom line and they are not honoring the intent of the limited PSLF waiver and the law. In addition, I have submitted another PSLF form to certify my employment since the last PSLF form was submitted and partially applied as this will take me to 120 qualifying payments, but they told me they won't process my form until XX/XX/XXXX. This is ridiculous and CFPB should know about this and warn consumers. Consumers should contact their congressional representatives and demand more. I will be writing my congressman and senator tomorrow, I've had enough and I am trying to buy a house but this student loan which should be forgiven and off of my credit report is preventing me from doing so. Please help! I've called MOHELA many times and they tell me to keep waiting. I started this process in XXXX, it's now almost XXXX. Thats 240 days, they said it should take 90 days. They lie!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to have these hard inquiries removed ; there is no actual signature or proof of identity such as drivers license, they are not attached to an active/open credit account or firm offer of credit and are listed as unspecified, XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) ; XXXX/XXXX  ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, XXXX. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect, date of last payment incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information.

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Accuracy Obligation Credit reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days. 
15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher. 
I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately. 

I expect your written response within the XXXX period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts taking it sometimes have been 10 times what was owed for that month.
Product: Student loan

On XX/XX/XXXX I submitted an application to consolidate 3 parent=plus loans into a single loan. In this application, and the conversations I had with the XXXX  servicing rep, I made clear I was going to apply for the Public Service Loan Forgiveness program. I was reassured the loan qualified. In Fall XX/XX/XXXX, I ( finally ) submitted the PSLF documentation. On XX/XX/XXXX, I received an e-mail stating that I had been approved for PSLF, but that I should NOT make another payment to the current loan as the current repayment plan was not approved for the PSLF.
Product: Money transfer, virtual currency, or money service

I transferred money from my checking account where my employment check is directly deposited. Transferred XXXX dollars to my ALBERT CASH account was told it would take 2-3 Business days for the transfer to complete. Here we are day 3 ( business day ) cuz I started the transfer XXXX XXXX. The money is still not available when I ask albert cash where it is I am told it will take 3-6 business day to complete the transfer? When I was told very different in the beginning. The money is already sent from my original banking institution XXXX XXXX and albert cash shows it pending but they or tell me there is nothing they can to to expedite it. And I was lied to to have I known it would've of taken 3-6 business days instead of the 2-3 that I was told when I initiated the transfer I wouldn't be writing this. I just want my money and to close that XXXX awful app
Product: Credit card or prepaid card

Dear  Sirs :  On  XXXX  A check was sent to you  (   XXXX .  XXXX   XXXX   XXXX , GA  XXXX  ) in the amount of {$20.00}. Check sent back the next day  XXXX   XXXX  and credited back to my  XXXX  Bank account.  XXXX   XXXX  check sent to you in the amount {$96.00}. Check sent back  XXXX   XXXX ,  XXXX . I 've sent a list of checks that have been sent to you with no problem  XXXX / XXXX / XXXX   XXXX . Please remove late charges  last two  months and re instate my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it  beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.
Product: Debt collection

I am writing to report fraudulent activity and unfair practices by Regional Finance Corporation of Texas : 1. Without any prior relationship or contact, Regional Finance sent an unsolicited " live check '' to my address.

2. This check was fraudulently cashed by an unknown party without my knowledge or consent, creating a loan I never authorized.

3. I promptly disputed this debt via a phone call and certified letter sent on XX/XX/year>, to which Regional Finance has not responded as of XX/XX/year> ( over 30 days ). 

4. Regional Finance is improperly placing the burden of proof on me, demanding I prove I didn't cash the check through a police report, driver 's license, and other documentation, some which require a notary stamp. However, under the Fair Debt Collection Practices Act, they must verify the validity of the debt after I dispute it. 

5. Their practice of sending unsolicited cashable checks without proper identity verification creates an unreasonable risk of identity theft and fraud. 

I request that the CFPB : * Investigate Regional Finance 's unsolicited check practices * Require them to verify this debt is valid or remove it * Review their compliance with FDCPA requirements regarding debt verification * Examine if this practice violates consumer protection laws * Impose penalties or corrective measures to prevent similar incidents for other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts don't belong to me.
Product: Debt collection

I dispute all those bills because I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
PLEASE REMOVE MY NAME FROM COLLECTION AGENCIES. THANKS! 

XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX I am requesting any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Equifax I recently discovered that someone has been looking into my credit file without my knowledge or consent. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), and I would like to see documentation proving that this investigation was conducted in compliance with FCRA guidelines. Please respond as soon as possible. 
In appreciation, As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Payday loan, title loan, personal loan, or advance loan

The car the loan was for was totalled. I informed the company and they still charge me more than what was agreed for
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XXXX of 2018 and acquired a loan through BB & T. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to BB & T. 

My credit report now shows that I have two open vehicle loan accounts with BB & T : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.