23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Late Payment Disputes The following tradelines incorrectly report late payments despite timely payments per my records. I demand you update to positive now or show me proof you gave me the option to opt out. Under the Fair Credit Billing Act, XXXX XXXX. XXXX, I have the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ XXXX ( f ) ] : XXXX - XX/XX/year> This inquiry was not authorized - The following inquiry was not authorized and should not be reporting XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous requests, Equifax fails to take an account off that IS NOT a good standing account off my credit file. The account is 8 years 9 months old. On top of this, the information they are reporting is incorrect. They have the first day of delinquency as XX/XX/XXXX but on their own payment history report, it states that XX/XX/XXXX it was 60 days late so how could my first date of delinquency be XX/XX/XXXX even in their own report? I contend my first date of delinquency was in XXXX. They are inaccurately reporting this account. I have requested they investigate and remove but all I get is the generic response ' Account verified as accurate '.
Product: Money transfer, virtual currency, or money service

Company : PayPal. On this.website, I reported a problem with a product that I wasn't satisfied with and wanted a complete refund of {$50.00} because the seller half-assed and didn't follow any of the instructions that I have given them. The case was won in the seller 's favor because I.was n't able to submit evidence right away but now i have proof that this.seller is a.scammer as she traced most of it, didn't give credit to the original artist she traced, and not only.that has the nerve to lowball me. Just so it's clear, my PayPal email isn't the same, please email me by my new current one for details.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I looked at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

My rights under Fair Credit Reporting Act have been violated by XXXX XXXX XXXX for {$13000.00} on XX/XX/XXXX, XXXX XXXX XXXX for {$710.00} on XX/XX/XXXX and XXXX XXXX XXXX for XXXX on XX/XX/XXXX. I have asked the companies above to verify the accuracy of my report when it is required for employment purposes. I have received notification that information in my file has been used against me in applying for credit or other transactions.I have disputed to have the bureaus correct and delete information in my report that is incomplete, inaccurate, and unverifiable. I demand the removal of outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
Product: Student loan

I have been paying my student loans since approximately XXXX. In XXXX I began working for a public institution of higher education in Texas. In XXXX I contacted my loan servicer, Nelnet, to inquire about what options I had regarding the public service loan forgiveness program. The individual I spoke with informed me that I would be paying " way more '' if I moved to pursue that. Trusting the advice I was given was my biggest mistake. After checking recently I learned that non of the payments I have been making since XXXX have counted or would be considered as qualifying payments under PSLF. In addition to this I also learned that my payment would not have been significantly higher if I had changed my loans over to a qualifying loan type as I was already on an IBR plan. 

After all of the negative news regarding loan servicers I felt it necessary to voice my concerns and disappointment with the entity that was entrusted to help me manage my loans. They are clearly not looking out for the consumers best interest. I am currently in a situation where I have lost XXXX years of qualifying payments toward PSLF and must begin new. As an American seeking financial freedom, like so many others, Nelnet is an assailant to my efforts. 

I have no recourse and the federal government will not protect me or you. The benefit of having such programs goes unrealized when the very entities who are to assist in facilitating it are purposefully misleading you and withholding information. The department of education has failed, yet again. The federal student aid office enforces nothing and loan servicers are free to " steal '' money from borrowers. XXXX XXXX XXXX is just a smoke screen, a slight of hand to keep borrowers confused and clinging to the possibility. The only truth we know is that you are on your own and no one will help you. Be vigilant.
Product: Credit card

my wife and her friend traveled to XXXX, i obtained a bank of america travel rewards visa card with no international fees, i called the bank befour travel date informed of our travel plans so that i would not have any isues. sure enough first purchase the card is declined and being in a high end luxury fir store we are surounded by security cause they think its a stolen card??!! 5 phone calls to bank of america later and 5 humiliating trips bak to store nothing!!!!! so now my wife has no creditcard and limited cash!!!!!!
Product: Debt collection

On XX/XX/2018 my old roommate was contact by Nissan Motor Acceptance in regards to my wife 's auto loan. My wife did not use this individual as a personal reference and there was no consent to contact this indivudual. I work in the industry and I am fully aware of who can be contacted and who can not be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a business credit card that resolved to me getting kicked out of my house and losing my job and car. Its hard on my kids as well because they are XXXX, XXXX and XXXX XXXX XXXX and need me to support them. Im asking you to send me a check for {$250000.00} dollars to this address for complicating me for my pain and suffering you have caused us. Im trying to resolve this matter without going to court and you lose more than Im asking. Please respond within 15 days or charges will be brought to you.
Product: Credit reporting or other personal consumer reports

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S. C 1681 section 602 A. States I have right to privacy 15 U.S.C.

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 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 that 7 years.

15 U.S.C. 16815-2 ( 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX called XXXX XXXX  and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and Equifax keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.
Product: Debt collection

Subject : Cease and Desist Notice Regarding Debt Collection To Whom It May Concern, I am writing to formally request that LVNV Funding LLC immediately cease and desist all communications and collection activities regarding the alleged debt associated with my name and credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop all further contact regarding this matter. 

If you believe this debt is valid, I demand that you provide proper validation, including a detailed accounting of the debt, proof of your right to collect, and original creditor information. Until such verification is provided, I dispute the validity of this debt. 

Furthermore, if this alleged debt is inaccurate, improperly assigned, or in violation of my rights, I will take legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This letter serves as an official notice under the FDCPA and any further communication beyond legal validation will be considered harassment. 

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

I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.
Product: Credit reporting or other personal consumer reports

My loan was transferred from XXXX XXXX XXXX to Santander Consumer USA. XXXX refuses to update this information on my account and continues to show the old loan and old amount owed with no payments shown and an inaccurate amount owed.
Product: Credit reporting or other personal consumer reports

I have incorrect and unauthorized inquiries on my credit report with XXXX.
Product: Debt collection

Midland funding has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called Midland funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe Midland funding is overcharging me and they will not discuss my account with me I don't understand how Midland Funding a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account holder : XXXX XXXX Original creditor : XXXX Account # XXXX Opened XX/XX/2022 Collections 18 U.S. Code 8 - Obligation or other security of the United States defined. 

This debt was already paid in full by the United States. So you are now under violation and havent provided the proper steps to validate this experience. 

15 U.S. Code 1640- Civil liability.. 
( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; I have been failed. I demand this account be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$41.00} XXXX XXXX XXXX {$6700.00}
Product: Vehicle loan or lease

Purchased a vehicle from XXXX XXXX in XXXX, Oklahoma on XX/XX/2019. Noticed that they had charged us for a vehicle warranty that we did not want. Called XXXX XXXX on XX/XX/2019 and spoke with the finance manager who said he would remove the warranty if we would sign a new contract. Signed 2 different contracts that day because he raised the rate on the second contract. Third contract was signed with correct rate and no warranty. Received payment notification in the mail from lender on XX/XX/XXXX with the wrong payment. Called XXXX XXXX, spoke to XXXX XXXX, the business manager, and was told that the only thing they could do was cancel the warranty and apply that amount to the note. We have a copy of the signed contract that does not include the warranty and has a payment amount that is {$36.00} lower than what we will be paying. XXXX XXXX refuses to submit the correct contract and takes no blame for submitting the wrong contract
Product: Debt collection

XX/XX/2017 .amount {$620.00} collection. My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to an account that is not mine. 
The current status of my account is not correct.
Product: Mortgage

Submitted for a modification numerous times constantly being told documents are not being approved with no explanation as to why. Have submitted a complete package to my lender at least 12 times if not more.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my card at XXXX CT to make a debit transaction at my local XXXX XXXX I received a text alert at XXXX CT that my card had been reported stolen and the card was blocked. I called in to the customer service to see why my card was blocked, I just used my card and have the card in my possession. While trying to reach a love customer agent I received another text alert at XXXX CT that {$480.00} had been transferred to an unknown person XXXX XXXX and a {$4.00} transfer fee was applied. By the time I talk to a live agent and get transferred to a supervisor I am explaining- I did not call to report my card I in fact just used it. The supervisor reverse transfer of {$180.00} and blocks any future transfer actions on my account. And expedited a new card and files a dispute. Fast forward to XX/XX/XXXX I receive notification that no error was found- I will not be credited the balance of funds {$300.00} to my account because the person who called in successfully answered the security question that is only information that I should have. Meanwhile, I reach out to a Corporate Response Team XXXX XXXX regarding the findings and he basically tells me its nothing they can do. I request to include the recorded voice conversation in the dispute and am told that they only use voice recordings to determine if the agent followed their rules. I have had my account hacked several times where someone actually created a fake card and was withdrawing money from an atm in XXXX. I DO NOT UNDERSTAND why if i still have my card in my possession, used it literally 30 minutes prior to this incident why its my fault someone stole my information. One of the customer resptesentatives said the individual called in to report the card stolen but did not request a new card and said they would call in at a later time to provide a new address. This is an active account why wouldnt i request a new card and transfer all the money to a stranger. I need answers and I need my money back the company has not done its due diligence to protect the valued cardholder the corporate response rep was a XXXX. I will never use this company again and make sure no one else I know does! They take your money charge astronomical fees to get your money back, better off opening an account with a credit union like XXXX XXXX or XXXX XXXX XXXX! Users BEWARE!! I am currently on hold to speak with a supervisor for 35 minutes and counting had the phone been answered quicker maybe all my money could have been retrieved. All the company sent in the dispute investigation was a statement saying the security question was answered so the transfer was validated. In a society that is highly technological and scammers have all ways to access peoples information. This is fraud this is not my fault and this company is wrong.
Product: Mortgage

My dad died on XXXX XXXX, 2016. I am executor of the estate and heir to the home. I contacted his loan servicer, Reverse Mortgage Solutions, Inc on XXXX XXXX and was told to submit the letter of intent, death certificate, and executor letter. I was also told I had six months to sell with up to two extensions of three months each. I submitted all paperwork to RMS on XXXX XXXX. I decided to sell the home as there is enough equity left to do so. At this point RMS was very kind and understanding and they made the process sound quite simple - as it should be. 

As I continued to keep in touch with RMS and do all the endless tasks of executor their tone changed. I was told early on that the house could go into foreclosure " any day ''. I received comments such as, " what took so long '' regarding my auctioning of my parents belongings and cleaning up the home. The call center at RMS seems to play a good cop/bad cop routine and sadly they never give a straight answer on anything whatsoever. 

RMS had the home appraised on XXXX XXXX, 2016. I sent a request for a copy of the appraisal in writing via email to RMS on XXXX XXXX, 2016 after speaking with XXXX, and I was told they 'd have a copy mailed to me within 24 hours. Request sent again on XXXX XXXX, 2016. XXXX XXXX, 2016 I spoke with XXXX at RMS again requesting the appraisal. XXXX XXXX, 2016 - spoke with XXXX at RMS still no appraisal. I finally received the appraisal on XXXX XXXX, 2016. That 's 61 days to receive paperwork that I was told would be sent in 24 hours! 

I signed a listing agreement on XXXX XXXX, 2016 and sent a copy to RMS via email. I spoke with XXXX that day to verbally update RMS. 

Friday, XXXX XXXX, 2016 I received a Notice of Trustee Sale on the property that is scheduled for XXXX XXXX, 2016. Reverse Mortgage Solutions foreclosed on the property 4 months and 21 days into my alleged six months. 

I feel that Reverse Mortgage Solutions has violated my rights. I have been given no clear answers as to why they are not honoring the six month time frame and not honoring an extension on that time. I have done everything " by the book '' and in a timely manner. As of this week ( XXXX XXXX, 2016 ) I 've had a potential buyer see the home twice only to become aware of the published trustee sale and run away. 

I spoke with XXXX at RMS twice about the issue and he claims to be baffled by the move and claims to understand my frustration but has offered nothing in the way of a solution other than to say, " you need to get more buyers '' - a seemingly impossible task with the threat of imminent foreclosure on the horizon. 

I can not see how Reverse Mortgage Solutions has any legal right to sabotage my opportunity to sell the property and satisfy the debt. The whole thing feels like a bait and switch. I worked hard all summer to get a 30 year-old neglected home back in shape. I invested my own money. I did all this in a timely manner only to have Reverse Mortgage Solutions , Inc essentially steal it away.
Product: Money transfer, virtual currency, or money service

I transferred {$770.00} from wise to my local bank today XXXX XXXX. According to wise the money is already sent to my local bank but its not in there yet. It is almost XXXX hours from the time I transferred the money. It says the money will be transferred after XXXX minutes. But its still not here.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and have no idea why they're there. I check my credit report regularly, but today I found discrepancies that weren't there before. I even refreshed my browser to ensure it wasnt a glitch, but the inquiries remained. This issue needs immediate attention, and I request a thorough review of the documents I submitted so I can stop worrying about this once and for all.