23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regards to PMAB LLC. You responded to a complaint i had made and your comments back to the complaint through CFPB was that you closed the account and deleted it from my credit reports on the XXXX of XXXX. I then responded back saying you deleted it and re added it to the credit files. I have the proof to show it and I'm tired of the CFPB just taking your word for it instead of actually looking into it. Delete it from my Credit files.
Product: Student loan

I called action financial services, they had outdated expenses for me. I moved to an apartment they did not accommodate the move and started garnishing my wages with no warning. One of my entire paychecks was going to rent every month. Now one paycheck is not even enough to pay my monthly rent. I called the department of education and they said there was nothing they could do except mail me financial hardship forms which will take 7-10 business days to arrive. On top of that a processing time of 30 days. I won't be able to afford my next months rent, utilities, and expenses.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a case of identity theft that has severely affected my financial standing and credit history. This issue began on or about XXXX, and despite my continuous efforts to resolve the matter, it remains unresolved due to ambiguous responses from the involved organizations. 

and now the accounts have increased in passed years leading me to a drop on my credit score that is not ambiguous but a painful reality I have taken every possible step to resolve this issue by contacting the creditors, disputing the fraudulent activity, filing police reports, and placing fraud alerts on my credit report. Unfortunately, my attempts to resolve this matter have been met with ambiguous and unclear responses from the organizations involved. For example, some have claimed that a credit lab is conducting investigations, while others stated that my petition was made in error. 

However, there has been no mistake on my part. I have consistently pursued this matter and am pushing for a fair resolution. It is frustrating that I continue to receive vague or contradictory responses, leaving me in a state of uncertainty and financial distress.I am invoking the next laws so my rights can be respected and honored Fair Credit Reporting Act ( FCRA )

15 U.S.C. 1681 et seq. Section 605A, Section 613, The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, Massachusetts Consumer Protection Act ( Chapter 93A ), Under FCRA Section 605A,
Product: Credit reporting

An account was deleted and my score went up but then a week later the same account was re-added and brought my score down again.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXXonsumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through WESTGATE FINANCIAL SERVICES I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.
Product: Mortgage

i filed a complaint on sps in XXXX pertaining to unpaid property taxes after receiving payment in my escrow account. i filed another complaint XXXX after receiving a forfeiture of property for unpaid XXXX taxes. the company responded that they Paid XXXX $ in XXXX and a document was mailed to me so i was responsible for the rest. however, i dont receive tax documents due to my taxes are part of my escrow account. i received a letter of delinquency and contacted the ombudsman of sps and was reassured it was a error the taxes were paid. 

after filed my complaint in XXXX, sps paid the delinquent XXXX taxes and applied it to my escrow balance. i contacted them to have the delinquent charges removed considering i was already charged in XXXX for these taxes that wasnt paid. i was told my account has already been reviewed at this was the result and the property is scheduled for foreclosure XX/XX/XXXX. seeming it was a friday afternoon, i waited until the following monday XX/XX/XXXX to contact sps ombudsman again. i finally got thru and spoke with a gentleman whom stated his name was XXXX. i explained to XXXX exactly what i told the representative on the previous friday. he took a look at my account and said yes your account has been reviewed and we paid XXXX $ in XXXX i replied if you guys only paid XXXX $ in XXXX why did you report to the irs you paid over XXXX XXXX he stated no we paid XXXX $ as stated in the response to your complaint. i then replied yes you guys responded that you paid XXXX $ but report you paid over XXXX. he asked me and where did you get this information. So i replied off my XXXX you guys sent for XXXX he asked if he could put me on hold. he returned and said yes i see that on your XXXX i said so why am i being charged again and why did you guy respond you only paid XXXX $ but charged me over XXXX in escrow. i then stated this seems like some fraudulent stuff and this company need to be looked into by the attorney general. He paused and stated what resolution are you looking for. i told him, removal of the delinquent charge applied XX/XX/XXXX for XXXX taxes. the removal of the negative marking on my credit report during this entire dispute. he replied well ive sent your case for escalation and someone will reach out to you. he then responded oh i see. we did paid XXXX $ in XXXX but i did send it for escalation, but i probably already now they response, but we will see. I then stated how can you see the payment now if you guys replied to my complaint with XXXX XXXX and if you see it, why was it paid again in XXXX he replied. ive escalated this and someone will reach out to you. today is XX/XX/XXXX and i still havent got that corrections nor a response.
Product: Mortgage

XX/XX/XXXX : I was provided with a refinance Loan Estimate after I applied to refinance my mortgage through my existing/ current mortgage company, PHH .

I agreed with the refinance estimate which provided the amount of {$120.00} from the borrower to close. 

I also had to pay for my own appraisal. 

My rep advised there would be no more out of pocket expenses. 

Total loan amount : XXXX, rate 3.125, P and I payment {$2400.00}, Impounds $ 928 monthly AFTER repeated attempt to obtain closing dates I received an outrageous estimate. 

XX/XX/XXXX : Loan Estimate Info Total Loan amount : XXXX, rate 3.125, P and I {$2400.00}, Impounds $ 943 monthly {$71000.00} from borrower to close. 

I was subsequently advised they were not approving my loan because : 1. I have unacceptable collateral. 
REPLY : I have a well maintained home with a minimum XXXX value attempting to refinance a XXXX mortgage. 
2. We do not grant credit in the conditions you have requested. 
REPLY : I was happy with the original conditions. I NEVER requested to change them. 
3. Unable to verify assets. 
REPLY : I provided any and all requests for bank information. A rep advised he was unable to verify he was unable to verify the XXXX needed for closing. I never agreed to pay XXXX to close. 

UPDATE : I have not received any responses after multiple emails with my concerns. After reading information on your site I see this may have been illegal.
Product: Mortgage

Tried to have the payments reduced starting in XXXX and have received no help. The mortgage is paid in full plus additional fees they charged. Tried to get copies of the transactions and received a copy last year. They sent a copy of the transactions thru XX/XX/XXXX. I have asked them to send copy of the transactions to date on the XX/XX/XXXX. They have refused the additional paper work. They raised interest rates with no notification. I have received no help from Chase Bank. I am on a fixed income.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( XXXX ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit card or prepaid card

On XX/XX/ I checked out of the hotel " XXXX XXXX XXXX XXXX ''. The front desk told me that I would receive a {$55.00} refund of the {$75.00} deposit ( front desk told me they will CREDIT me {$55.00} ). However, the business instead charged me the {$55.00}. 

I completely pre-paid for the XXXX XXXX XXXX stay. The total due at the hotel is {$0.00}. 

At the hotel, I purchased XXXX bottles of water and billed to the room. The water was priced at {$2.00}. I expect to be charged {$15.00} maximum. 

I submitted a dispute to Citi with a statement saying that the hotel stay was completely pre-paid, and that I only purchased XXXX bottles water clearly priced at {$2.00} each. Citi closed my complaint in the merchant 's favor stating that I have not provided enough evidence. 

In this scenario, it's impossible for me as the customer to provide evidence for an over-charged amount. The hotel should provide evidence for why they think I need to pay more than {$2.00} x XXXX = {$15.00} when the hotel stay was completely paid for in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a  thirty  day late on my account in  XXXX  of    2016. I was not supposed to be reported for this late, according to a manager i spoke wit h. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with CFPB on XX/XX/21 ( COMPLAINT ID XXXX ) concerning credit bureau Equifax incorrectly reporting my auto loan with XXXX XXXX as being closed " per consumer request '' twice in XXXX. Since filing the complaint with your company, I received an update on my complaint that the company has responded. When I checked my credit report today, I noticed YET AGAIN that Equifax has reported my account closed again on XX/XX/21 causing my credit score to drop another 16 points! This is the third time they have reported incorrectly ( once after the complaint has already reached them ). This is not fair to me considering I have been trying everything I know how to keep my credit scores over a 700 so that my husband and I can purchase our new home with a VA loan. Please resolve asap.
Product: Student loan

I am a full class member of the XXXX XXXX XXXX  lawsuit with a Borrower 's Defense case against XXXX  XXXX XXXX and XXXX XXXX XXXX  with loans being serviced by Aidvantage. While Aidvantage has removed my loans relating to XXXX  XXXX XXXX earlier this year they are refusing to remove the loans relating to XXXX XXXX XXXX. To make matters worse, Aidvantage has moved forward with putting loans from XXXX back into repayment and charging interest in violation of the settlement agreement that they are legally bound to comply with. Aidvantage blames the Department of Education for not informaing them but, when I communicate with the Department of Education, they blame Aidvantage as I've been told they have been informed. 

Both Aidvantage and Department of Education are bound to the settlement of this lawsuit. 

After months of conversations, I was able to get the Department of Education to communicate the forbearance with Aidvantage but Aidvantage continues to charge interest which increases my balance and hurts my credit against the settlement agreement. The reality is that all these loans are supposed to be fully discharged... Not being put back into repayment and/or collecting interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first became aware the capitol one account that was fraudulently open in my name around XX/XX/2023 from my credit report as so as I seen how much it was effected my credit score I did my research and I knew the account did not belong to me what so ever so I reported and keep reporting it and disputing it and have got no solution yet
Product: Credit reporting or other personal consumer reports

Successfully tried to dispute with XXXX the account and the origination of debt unsuccessfully. Made several attempts for the period of XX/XX/2023 to date at the phone number provided to verify the validity of the debt with no success. To date, creditor has not sent any documents containing any information regarding this debt to my address or the information regarding the nature or historical charges of debt. Information appeared on my credit report and without any justification or supporting information to substantiate it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. The following accounts are being disputed : Account Name XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACS/XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Product: Debt collection

After carefully analyzing my recent credit report, I identified several accounts that appear to be incorrect and were added without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation no knowledge inaccurate XXXX XXXX XXXX and Inquiries that I did not authorized appeared on my Experian credit report.
Product: Student loan

I graduated from XXXX school in XX/XX/2007, In debt with a student loan to the amount of about {$19000.00} dollars. Jobless and making a little more than the minimum wage and with a car payment and no real future in the XXXX world i decided to go back to school. My loan went into forbearance, after a couple of years of that i started to make payments on my loan that now was at over {$25000.00} dollars I could not afford the {$390.00} payments. So i stop paying after being harassed day and night i came to a payment plan by this time my loan was at {$30000.00}. I made monthly payments for over a year of {$250.00} a month but no matter what my loan does n't seem to be going down the opposite has happened it continue to get bigger. I am at {$33000.00} and have been out of the program to repay it because i do n't qualify for it any longer, but i still cant afford the payments and with a variable rate that is at its highest at 8 %. I cant afford the payments I 've tried to work with them but i do n't qualify for any program and even if i sent any kind of payment my loan seems to be going up because of the high interest rate. The worst part is the school has since I 've graduated now been closed down and does n't even exist and my {$19000.00} loan is now over {$30000.00} and I feel like I am drowning and i have no life vest. i have tried to set up some kind of payment plan but I just cant get to make anything work for me. I attend XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. On top of that i did n't understand the difference between a Federal loan and a Private loan and now i am stuck with a private loan.
Product: Student loan

I have a loan with ED FINANCIALXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and ED FINANCIALXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Product: Credit card

I had autopay setup on a Barclays bank XXXX XXXX XXXX XXXX. I made an ACH payment of {$1300.00} on XX/XX/year> from a checking account. This was rejected due to " insufficient funds first '' on XX/XX/year> despite there being {$2200.00} in my checking account. A {$39.00} " return payment '' fee was charged on XX/XX/year>. Another attempted payment was made on XX/XX/year> for {$1300.00}. This was rejected due to " insufficient funds final '' on XX/XX/year> despite there being {$1900.00} in my checking account. A {$39.00} " late payment '' fee was charged on XX/XX/year>. Another attempted payment was made on XX/XX/year> for {$1600.00} and was rejected for " insufficient funds first '' on XX/XX/year> despite there being {$2500.00} in my checking account. I was again chaged a {$39.00} return payment fee. I contacted the bank that I have my checking account with and they confirmed there were sufficient funds in the account and that they had not halted the transfer due to fraud concerns or other issues. During a phone call with Barclays customer service, they confirmed the my account information and could not explain why the funds were going through. They did not fix the payment issue nor did they offer to get rid of the unecessary late fees due to their inability to collect payment.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint due to the incorrect personal information on my credit report with Equifax. My name is incorrectly listed as " XXXX XXXX XXXX, '' while the correct name is " XXXX XXXX XXXX. '' Additionally, there is no employer stated, when my current employer is " XXXX XXXX. '' Under 15 USC 1681e ( b ), the Fair Credit Reporting Act requires that credit bureaus ensure the accuracy and completeness of the information in their reports. I am requesting that Equifax promptly correct these errors on my credit report to reflect the accurate personal information and employer details. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.
Product: Debt or credit management

Good evening, I XXXX XXXX contacted GM Financial requesting a settlement agreement for a charge-off debt on my credit report on or around mid XXXX, 2024. I originally spoke with the debt recovery debt. I specifically asked once GM received the agreed upon settlement would my credit report be updated as account settled and payment with {$0.00} balance. The representative indicated once the funds were received the credit bureaus would be updated with the account closed/account settled. I asked for the information of the settlement to be emailed directly in order for me to request for process of the final settlement funds. However the information was mailed rather than emailed as I had requested. I informed the representative that I would not be able to submit funds by the date requested if the information was sent by mail. I ultimately had to contact a supervisor to have the information revised and re-submitted via email. However, once I got the email, the information in the email was still incorrect ( the date was wrong ). I contacted GM Financial again, and notified that the date for settlement was incorrect. I was told the date would actually be amended and a new letter created and re-sent. We discussed the new date to be amended to XXXX XXXX because of the XX/XX/XXXX XXXX. However, when I received the new letter the settlement date was XX/XX/XXXX which was inaccurate again! I had already requested the funds for release and the funds were sent to GM Financial on XX/XX/year>. GM received these funds on XX/XX/XXXX most likely due to the XX/XX/XXXX XXXX interruption to mail process. I get an alert with GM Financial the balance of the settlement amount Charged Off & still owing {$3300.00} on the account. That was not the agreement. The account should indicate closed and settled. This activity caused my credit score to drop XXXX points! This is such egregious behavior. It is so incomprehensible the behavior of supposedly reputable corporations.