23daVinci/CFPB_Complaints huggingface dataset:
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.

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date XXXX Account balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX XXXX number XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 any other adverse items of information, other than the 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 an accurate.
Product: Debt collection

In XX/XX/2020 the debt collector called my mother pretending to be a law office.
Product: Debt collection

In 2020 I fell into financial ruin due to losing my job on more than one occasion. I also had to move out of my parent 's house during the COVID lockdowns due to a very toxic and unhealthy living situation and a XXXX XXXXXXXX issue. When I moved out of my parent 's house, my bills more than tripled and I was unable to afford to pay all of my bills which led me to only pay the essential bills first. I collected unemployment and got government assistance for food, energy, and Wi-Fi.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX . Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Equifax : The account inaccurately reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, even though all payments were made on time. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, XXXX, and Equifax shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently repairing my credit and only wish to be treated fairly. Once I disputed the inaccurate information equafix took my score down 21 points the day after my disputes. They penalised me for disputing before the investigation was complete. They also had one of my accounts showing closed that is actually in good standing and yes I did contact the creditor to make sure it wasn't on their end. I'm currently working on getting a house for my family and things like this can only hold me back. I deserve all of my points and accurate account information to be stated on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Product: Credit reporting or other personal consumer reports

Good day. I am resubmitting this complaint as a follow-up to my previous complaint dated XX/XX/XXXX. I want to ensure that the items I am requesting to be removed, as listed in my last and present complaint, are expunged from my credit report before the end of the next 15 days. As I am scheduled to update my credit reports on that day, I am re-attaching my FTC report with reference # XXXX & XXXX. Here are the items I want to follow up for removal per bureau : -- -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX, XXXX-XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Take this complaint seriously, I am alarmed about unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never cancel my warranty for secure one vehicle protection with Westlake Financial and now the vehicle has a mechanic breakdown and it is not cover and also stated that it was canceled when I never canceled the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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. 

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
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 USC-1681 XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Child XXXX XXXX XXXX. Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXXXXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without my written instructions.

15 USC 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 USC 1681 s-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: Mortgage

PHH Mortgage has made false entries on my account and PHH Mortgage needs to complete a forensic audit of my escrow account. In XXXX PHH began servicing my loan. I have a Customer Account Activity statement that shows {$350000.00} in escrow disbursements. The DC Office of Tax and Revenue has provided me documentation to show receipt of {$190000.00}. PHH transferred my loan to XXXX in XX/XX/XXXX. Prior to transferring the loan, PHH documentation shows 15 disbursements of {$320000.00} between XX/XX/XXXX to XX/XX/XXXX. The D.C. Office of Tax and Revenue only received {$160000.00} in payments during this period. On a single day, XX/XX/XXXX, PHH made 11 entries on my account totaling {$150000.00}. All of these payments are listed as Payment of City Tax with the exception of one disbursement which is titled Special Disbursement. The DC Office of Tax and Revenue has not received any of these payments. I am suspecting false entries and falsification of information. Eight of the XX/XX/XXXX are duplicate entries with duplicated dollar amounts and the Office of Tax and Revenue did not receive any of these payments. Further evidence of escrow fraud is demonstrated by lack of escrow disbursement activity in XXXX, XXXX, XXXX. For these years, my payments were escrowed for taxes ; however, no tax payments were made. InXX/XX/XXXX, PHH completed an escrow analysis and increased my payment to ~ {$18000.00} per month from a previous payment of XXXX {$2200.00}. I suspect this action was to force my property into foreclosure with the false payment entries. Finally, during the years that I was making escrow payments and my loan was current ( XXXX ), my account incurred {$61000.00} in interest and penalty charges. In addition to resolution of the false escrow account entries, PHH owes me a refund of this amount since they failed to make the tax payments ; however, they refuse to address this issue. All of this questionable activity occurred before I stopped making payments inXX/XX/XXXX. The loan was transferred to XXXX in XX/XX/XXXX.
Product: Debt collection

I received an email about a debt balance that needs to be paid, I've already tried several times to validate the debt. They have been unable to provide me the continuous bill of sale to prove legitimate debt transfers or origin. 

Additionally, I've receive communication that this debt is now going to court without providing me the necessary documentation. Plus, I also received another email from Midland rather than the collection lawyer, the original alleged lender, or the state offering a lower pay off.

It is not confusion as to how this debt was created, who it originated with, what the balance is, what stage of a prosecution it may or may not be in.
Product: Student loan

In XX/XX/, I submitted a complaint to the CFPB about Moheal 's inability to answer basic questions about my student loans. ( XXXX ). I received an unexplained forbearance placed on my account in XX/XX/. XXXX did not notify me in any way, and they did not clarify if this forbearance would count towards my Public Service Loan Forgiveness ( PSLF ) credits. I messaged Moheala through their online portal and received no response. 

I decided to call Moheala and ask. In my complaint, I pointed out that Moheala provided me with terrible information from a brand-new employee who had no idea what she was doing ( no fault to her, as this is a training issue with Moheala ). The employee told me the SAVE program did not count for PSLF. However, she was wrong. She After several hours on the phone, I still never received my answer. I submitted my CFPB complaint, and two months later, I received an email response about my complaint. I logged in to see what Moheala would say, and to my surprise, there was no response. The file attached to my complaint was labeled " threat detected '' and " corrupt. '' There was no response. Of course, I don't agree with this bc there wasn't anything done, but CFPB closed my complaint. 

Fast forward to XX/XX/. A letter arrived from Mohela on XX/XX/XXXX. This letter, which took over two weeks to get to me, arrived, and guess what? 

The information Moheala mailed was utterly wrong. In the letter, Moheala writes that this was in response to my CFPB complaint ( that's right ). Moheala continues by saying that my complaint to CFPB was to REMOVE this forbearance because of my Borrower Defense to Repayment ( BDTR ) application. I have not filed a BDTR for these loans and do not have a BDTR on file. 

Further down the letter, Moheala notes my account was placed on forbearance because of BDTR and that they went ahead and notified the Dept of Education to remove this forbearance. 

My questions and complaints have always been about the SAVE program and PSLF. I never once mentioned BDTR. Moheala is incompetent. This organization is supposed to be one of the agencies that represent the DOE and collect millions of student loans. The company can not even address simple common questions with a mess up. People expect Moheala and the other student loan servicers to have their act together, but it's clear that this isn't the case. Moheala can not perform their duties to service the student loans, and it's an embarrassment. 

I still never received an answer from Moheala as to whether the forbearance will count for my PSLF. Thankfully, the Department of Education addressed this and has released it.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, XXXX permanently deactivated my account without providing any explanation and froze my funds totaling over {$14000.00}, which includes my federal tax refund, my paycheck, and future California state tax refund. XXXX stated that my funds will be held for up to XXXX days, but they have refused to provide any details on why my account was closed or when my money will be released. 

I have repeatedly contacted XXXX through customer support, chat, and email, requesting a clear reason for the account closure and an immediate return of my money. XXXX has refused to provide any justification and has ignored my requests for a timeline on when I will receive my funds. 

This situation has caused me severe financial hardship, as I am unable to access my legally owned money to pay rent, car payments, and essential expenses. This is unacceptable, and it may be unlawful for XXXX to withhold my tax refunds and wages without explanation. 

I am requesting that XXXX : Immediately release my full account balance to my linked bank account. 
Provide a clear and specific explanation of why my account was closed and why my funds are being held. 
Compensate me for any financial damages caused by their unjustified actions, including overdraft fees and late fees incurred due to the withholding of my funds. 
I am filing this complaint because XXXX has refused to address my concerns, and I believe regulatory intervention is necessary to ensure they do not continue withholding my money.
Product: Debt collection

I have a {$75.00} bill from XXXX XXXX from SIMONS AGENCY INC that is from XXXX. I live in XXXX and my parents live upstate where XXXX hospital is. I never received any mail or phone calls for this bill and neither did my parents. I will pay this {$75.00} bill but i would like to get it off the last 14 months of my credit.
Product: Credit reporting or other personal consumer reports

My infromation was sold and bought illegally because I was a victim of the Equifax data breach. I want these itemes deleted from my credit reports effective IMMEDIATELY. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done NOTHING. Please help me remove and delete Please help me to DELETE these illegal accounts from my credit reports. 

1. DEPT OF ED / XXXX {$2900.00} or {$2700.00}
Product: Debt collection

Credit dispute letters were sent to the 3 credit bureaus XXXX equifax and XXXX. They did not remove the charged off accounts that have been remaining on my reports for over several years that have been paid. Credit inquiries and credit card balances still remain on my credit reports over 2 years. A past car loan that has been paid and settled still remains on my report. My initial complaint is that credit bureaus are not removing past and closed accounts in a lawful timely matter which further impacts my credit scores.
Product: Credit card or prepaid card

OnXX/XX/2019weflewtoXXXXXXXXandattheairportlookingfortaxitotheportcityofXXXXXXXXtocatchacruise.Ahandleratairportexitstated{$85.00}fortheonehourtwentyminutesride,whichisinlinewithtaxiestimatesonline.Ataparkinglotwemetawomandriver,anethemanprocessedmycreditcard.Uponarrival,thewomansaidshecouldnotgivemeanyreceiptsinceshecannotprocesscreditinhercar.Oncereturnedhome,Ifoundoutwewereactuallycharged{$1400.00}fortheride.Iraisedissuewiththecreditcardcompanybutthreeweekslaterwasagaincharged{$1300.00}forthetransaction.IrequestedtoseeacopyofthereceiptsinceIdonotremembersigningone.Eventuallyitwasprovidedformewhichdidnotbearmysignature.ButtheladyatBankofAmerica(XXXX)saidaccordingtocreditcardpolicy,sincemycardwasnotstolen,Iconsentedwiththeservicerequested,andareceiptwasproduced,Ireallydonothavegroundstoprusuethematteranyfurther,despitethefactIdidnotacknowledge,agree,norsignthereceipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason that I am writing this letter is that the BOA denied my dispute. I bought a ticket on XX/XX/22. After almost 10 days, I tried to call the agency, however, there was not any customer service even mentioned on the website that 24 hrs. I also sent several emails, but I received only auto reply email. I called my Bank to ask dispute. After almost 2 months without any notices, BOA recharged me for this ticket. I called BOA 3 times to let them know that there was not any customer service for that agency, but the rep told my I have to call agency and if I disagree for the result of dispute, called court to follow the case!!! I asked for appeal and Rep told me that there is not any this facility. I sent several emails but all responses are auto reply and I also tried several times to call customer service, but unable to connect it. On website, this agency has full information, however they do not have any customer support. On the other hand, my XXXX returned and I have some treatment and my doctor recommended me not to travel till I am better. I am unable to connect to customer service, because there is not have any human there. In this case, how can I talk to them even the websites are perfect. I am really disappointed. Please help me. 
Regards, XXXX
Product: Debt collection

A derogatory item has appeared on my credit report with all major bureaus. It says it is for XXXX XXXX XXXX, but is being collected by an agency in Delaware. I have received no bills or written communications about such a bill being due or owed, let alone late or turned over to collections. 

Thus, they are simply reporting this to the credit bureaus, damaging my credit scores by over 100 points for a {$610.00} bill that I have never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on my credit report regarding a loan from XXXX XXXX XXXX that was paid off in full and no late payments. The loan is reporting inaccurately and causing me great distress.
Product: Credit reporting or other personal consumer reports

My consumer information was used to apply for credit at the 3 creditors listed without my knowledge and/or consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX