23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Shortly after consolidating my student loans with through the federal student loan.gov website i was repeatedly bombarded with telephone calls from many different companies stating that they worked with the education department and are trying to help people reduce their student loan debt by getting them into the student debt reduction program that was in the last days from the XXXX XXXX. The also said that I would have to pay 5 payments of XXXX to lock me into the program and make sure that my loan repayment stay at $ XXXX monthly for 20 years which would allow the rest of my loans to be forgiven after that 20 year period. I naively believed that they were associated with the government and signed up with the company as i feared a large monthly repayment having owed {$100000.00} in student and XXXX children to raise. I realized that XXXX XXXX XXXX XXXX were fraudulent after calling them and hearing a recording that said they were shut down and being sued. I became suspicious and called because earlier that morning I received a call from another loan forgiveness agency, from a California number but their service rep had a strong foreign voice, sounding XXXX. This made me really think about How foolish I was with ( XXXX XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. 
I quickly contacted my lender but not sure what else I can do.. I also need to find out how to freeze my credit and must some how check to see if i must change my SS #, and must contact my bank just in case my finances are in jeopardy. 

Now i am going crazy trying to get things cleared up. I am a nervous wreck and terrified, they have so many of my personal information. I am in total fear and agony. please help me if you can assist in any way. I will appreciate your guidence. 
please contact me ASAP, Thank You Naive Mother
Product: Credit card or prepaid card

The Wyndham Rewards Earner Card was offered to me with 15 months interest free APR on balance transfers and all purchases. After several months, now this company is not honoring the interest free account on purchases as agreed. 
Also, they are attempting to rip me off the XXXX points I am due for listening to a Wyndham XXXX XXXX presentation last month. I was told the points would automatically be placed on my Wyndham Reward account. It was not. Now I am on online and there is no location in my account to " enter the 10 -digit Points Pack activation code. This is a rip off. There is no place in my account to place this code. This company is really corrupt. I regret the fact that Wyndham is so dishonest and many of their hotels are filthy. I want the XXXX rewards points added to my Wyndham Rewards account and for the interest I was charged returned by to me in the form of a check as soon as possible. I got this account to charge purchases interest free for 15 months. A very dishonest company!!!!!

I have called and called and no one from the Corporate Office will call me back.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Product: Mortgage

An escrow analysis was conducted on my mortgage loan on XX/XX/XXXX that increased my payment by {$720.00} MONTHLY. I have tried reaching out to MrCooper for information regarding this change since XX/XX/XXXX and I can not reach a single representative or get any response to this. After not receiving any support from MrCooper I had to consult with a mortgage consultant. They have advised to me this is more than likely a mistake due to the excessive amount of increase on my escrow payment. As well as my escrow had a surplus up until this analysis. The mortgage consultant advised me to get in touch with MrCooper ASAP to address this matter yet MrCooper continues to process my payments but failing to provide any customer service whatsoever.
Product: Debt collection

On XX/XX/2018 received notice/bill from Financial Corporation of America attempting to collect a false debt of {$490.00}, on behalf of a healthcare provider, for service ( s ) that I received on XX/XX/2018. Contacted my healthcare provider where services were rendered, and they have no knowledge of the debt amount nor company trying to collect! 
Called Financial Corporation on XX/XX/2018, spoke with representative " XXXX '' who could not & did not explain the charges or amount requested. I informed the rep that my services were covered & paid by my health insurance provider, and that I paid my portion/copay ( s ) of {$95.00} on XX/XX/2018. 

Financial Corporation of America are trying to collect a debt or amount that's not owed!!
Product: Student loan

I am writing to file a formal complaint regarding the unauthorized disclosure of my student loan information to XXXX XXXX and/or his affiliated companies. I understand that these parties without my consent have accessed my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ). I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse of my private data. 

This unauthorized access appears to be direct violation of my rights under FERPA. The information contained with the student loan database, including my social security number, financial records, and other sensitive personal details, requires the highest level of confidentiality. The lack of any legitimate educational purpose for XXXX XXXX access to this data further compounds the severity of this breach.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXXXXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Ability Recovery Servi XXXX XXXX XXXX XXXX, PA XXXX Has put a collection on my credit report for {$1400.00} Under the following account number : XXXX I have contacted them several times through the credit apps and by letters disputing this account. They are not able to validate this debt because I do not owe them any money. 

I have told them each time that they are illegally damaging my credit. Yet they are refusing to remove this false collection from my report. 

Please help me as my credit is very important to me and my family.
Product: Debt collection

Instead of sending me proof. They say I owed the debt without showing me proof and keep texting me even though the law says Collection agencies are not allowed to contact the person if he or she has requested validation on the declared debt during the required validation period ( typically the first 30 days ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of fraud and identity theft and fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX This account was fraudulently opened when I was just 15 years of age. Experian first deleted it, but then reinserted it and verifying it as true. I approached creditor and they say that account is deleted. So, why Experian is continuing to report this account?
Product: Debt collection

I.C. Systems is a debt collection agency that has taken my debt from XXXX XXXX XXXX. I have called I.C. Systems and have attempted to get in touch with XXXX XXXX XXXX several times now, but to no avail. I have always paid my bills and am on-time for payments. I have never seen so much as a bill or any kind of alert from this medical group. 

I contacted I.C. Systems to find out what the collection was for and was told that it was in regard to the birth of my daughter. My daughter was born via c-section on XX/XX/XXXX, where my medical team saved my life and I was being treated by an in-network OB-GYN at an in-network hospital XXXX They are attempting to collect payment for a service where I had complete insurance coverage and they should have had my full policy information. At no point were my husband or I informed ( by hospital personnel or the attending pediatrician ) that the pediatrician who was present during the c-section was out-of-network. These services were rendered when I could not consent, and I am reiterating that I never received so much as a bill from this company prior to them sending this charge to collections. I.C. Systems is dating this charge to XX/XX/XXXX, which makes absolutely no sense. Please review this case I implore you to erase this collection from my credit report, as it does not make sense to belong there, and I am worried that this is a fraudulent charge. Thank you so much.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report, in accordance whith my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C 1681i ), 609 ( 15 U.S.C 1681g ), and 604 ( 15 U : S : C 1681b ).

Affter reviewing my recent credit report, I have identified the following inquieres that Ido not recognize or authorize : Dispute Inquiry XXXX XXXX XX/XX/2024
Product: Mortgage

During the time of the Covid-19 PHH Mort Svs or XXXX told me that my late payment will not be report as delinquent on my credit report. I call in XX/XX/2020 ( to inquire about plans for Covid-19 ) and then I called XX/XX/2020 to see if account was current and it was and that no delinquent information was reported to my credit. Looked at credit report on XX/XX/XXXX and all three months were reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered incorrect information on my credit report, as outlined by 15 USC 16c-2. This inaccurate information is negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately. That being said the removal of XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account. # XXXX, XXXX XXXX  account # XXXX.
Product: Checking or savings account

XX/XX/year> my direct deposit from my employer XXXX XXXX XXXX was supposed to be direct deposited into my checking account however I have yet to receive my deposit and it is now XX/XX/year>. I have contacted Capital One several times with no connection to speak to someone with valid answer. I spoke to someone XXXX XXXX at XXXX that stated they arent even able to locate my direct deposit at this moment and I would need to submit a dispute for my money that it can take up to 45 days for me to receive my deposit. I am furious and this is not professional. I have never in my life experience something like this. I have no money and all they can say is we are sorry for your inconvenience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Team, I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my XXXX credit report, and I noticed incorrect details regarding an account with Capital One that I would like to have corrected. 
The specific account details are as follows : Creditor : Capital One Account Number : Status : Closed Date Opened : XXXX XXXX Date Closed : XX/XX/year> Reported Balance and Limits : {$160.00} Issue : The report states that the account was " previously in dispute investigation complete, reported by data furnisher. '' However, I do not agree with this outcome and believe that the information remains inaccurate. Additionally, I believe this balance is inaccurate. 
Requested Action : I kindly request that you reinvestigate this matter and update my credit report to reflect the correct and accurate information. Please provide me with written confirmation of the results of your reinvestigation. If the data can not be verified, I request that it be removed from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and update my report accordingly. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Money transfer, virtual currency, or money service

I was trying to use Venmos feature pay anyone on PayPal with visa + it didnt work per usual because Venmo likes to make life impossible. My account got frozen. Ive verified my ID with them many times and they tel me that its going to take XXXX days for them to LOOK AT MY ID. I have asked many times via phone via email and app and all I get is I understand and youll have to wait. I have bills Im hungry and Venmo is illegally holding my money hostage
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS REINSERTED 2 ADDRESSES ON MY CREDIT REPORT THAT I NEVERED LIVED AT, AND TODAY I RECEIVED A LETTER STATING THEY WILL BE REMOVING MY SECURITY FREEZE, WHY I DIDNT ASK FOR FREEZE TO BE REMOVED. EQUIFAX IS PLAYING GAMES WITH MY CREDIT REPORT AND CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ( 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 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. I also asked for the original contract to be provided and it was not.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission. 

I have not supplied proof under the doctrine of estopple by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

I APPLIED FOR HARDSHIP ASSISTANCE TWICE SINCE XX/XX/XXXX AND I WAS DECLINED AGAIN ON XX/XX/XXXX STATING THAT MY CIRCUMSTANCE HAS NOT CHANGED. MY INCOME THEY STATED THEY USED IN XX/XX/XXXX WAS {$2800.00} AND THE NEW INCOME THEY VERIFIED FOR THE NEW DENIAL IS NOW {$2500.00} SO YOU CAN CLEARLY SEE MY INCOME DROPPED YET AGAIN HENCE ME ASKING FOR HARDSHIP ASSISTANCE. MY RATIOS ARE WELL WITHIN FEDERAL GUIDELINES AS I HAVE READ OVER AND OVER THE GUIDELINES SINCE I ALWAYS HAVE TO FIGHT MY SERVICER. I NEED MY FILE TO BE ESCALATED AS IT IS APPARENT THE SERVICER IS TAKING UPON THEMSELVES TO DECLINE ME VERSUS MY INVESTOR THAT ACTUALLY HOLDS THE NOTE. XXXX IS NOT DECLINING MY FILE ONLY RUSHMORE BECAUSE THEY DO NOT UNDERSTAND THE MEANING OF NO CHANGE IN CIRCUMSTANCE. 

MY CURRENT FRONT END DTI IS 42 %, WHICH IS ABOVE THE REQUIRED 31 % AND MY BACK-END RATIO IS 36.93 % AT ITS HIGHEST SO TO STATE THAT I AM NOT WITHIN GUIDELINES IS BEYOND BELIEF AND NEED SOMEONE WITH THE UNDERSTANDING OF GUIDELINES TO STEP IN AND CORRECT THIS SITUATION. I AM XXXX YEARS OLD AND ITS APPARENT THAT RUSHMORE IS TRYING TO TAKE ADVANTAGE OF ME BECAUSE I AM SENIOR CITIZEN AND I WONT UNDERSTAND. ALL GUIDELINES ARE PRESENT ONLINE FOR EVERYONE TO READ, I WILL NOT BE A VICTIM TO RUSHMORE AND THEIR ABUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I opened up a XXXX XXXX XXXX account through XXXX XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is zeroed it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them