23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/year>, EdFinancial alerted me that I was required to apply for IDR recertification for my IBR plan. I can not stress enough that I am not and have never been involved with the SAVE plan.

Given this urgent message, I ignored what I saw in the news and recertified my IBR plan on XX/XX/year>. I then received a message on XX/XX/year> that I had received an extension to recertify my plan but since I had recertified my plan as they initially demanded that I do, I was immediately placed in administrative forbearance and can not continue to make payments towards Public Student Loan Forgiveness. I was also not going to be placed in processing forbearance, which would be a period to 60 days during which I accrued interest on my loans. This was frustrating, as I had only six payments left toward the program at that time and if placed in processing forbearance, that would count as two additional payments.

I called the same day and requested that I withdraw my IDR application, since I am not requesting a different or new plan and have not ever been in SAVE. After I explained the importance of this ( mainly that I wanted to make the six payments left for the PSLF program ), they initially agreed and sent me a XX/XX/XXXX statement. 

However, on Saturday, XX/XX/year>, they sent a message that they were again skipping the processing forbearance and immediately placing me into administrative forbearance as if 60 days had passed since I initially sent in my IDR recertification at their faulty demand.

I was unable to call, as it was a Saturday, but I called that Monday, XX/XX/XXXX, and again requested that I be taken out of forbearance. They alleged that they could not rescind my request for forbearance and that there was nothing they could do. I asked about the designated processing forbearance time and they again simply indicated that there was nothing they could do. They simply stated that they were placing anyone who followed their direction and attempted to recertify their non-SAVE plan into administrative forbearance without any processing forbearance indefinitely until the SAVE litigation was resolved.

I reiterated that I am not on a SAVE or even a PAYE plan and have always been on the statutory IBR repayment plan. They reiterated that it did not matter. I asked them whether I was simply in this predicament because they asked me to recertify when I did not have to and they admitted that was the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the bureau for validation ( in the form of an original contract ) for the fraudulent account. In addition to the bureau request, I submitted a letter and anXX/XX/XXXX report. I have not received any original contracts, and the information is still on my report. 
Their response was that the information was accurate, and they blatantly ignored my request to see the document that they have on the file between me and this company, even though the law states that I am entitled to that information.
Product: Money transfer, virtual currency, or money service

I was attempting to by sports tickets from a seller via XXXX on Sunday, XX/XX/XXXX. He was to send me the tickets on XXXX and I paid him on XXXX XXXX via XXXX. I sent him the {$100.00} and no tickets were transferred. I could no longer get in contact with him. I tried to discuss with my bank, XXXX, but they would not help.
Product: Credit card

I am in the process of changing my name because I was recently married. When I changed my name with the social security XXXX earlier today, they recommended that I get a credit report so that I had a complete list of all of my creditors so they can be notified of my new name. When I saw my credit report, I saw an overdue account that had caused significant negative credit effects, and found out that my Bloomingdales credit card had been fraudulently used on XXXX XXXX, 2016. Apparently this was an online purchase of Lancome makeup ( which I do n't wear ), and which I did not make or authorize anyone else to make. When I called to complain about this, I was also told that my account had been closed in XXXX 2016 and a new XXXX opened shortly thereafter. I neither closed nor opened any Bloomingdales accounts during that time frame, and the opening/closing and XXXX XXXX charge are all fraudulent, unauthorized actions.
Product: Vehicle loan or lease

Im not sure the date but I do my contract from Us Auto Sales. Im a victim of this as well Ive saw all the news about this and wanted to know my opinion as a consumer customer. My account was transferred over to a company called west lake and when I tell you RUDE NASTY and very DISRESPECTFUL I knew nothing about them until last month they called saying I owe money and if I dont pay my car will be towed and they are reporting everything to the credit bureau . Ive had my car not going on 3 years and I still owe {$17000.00} plus on this loan I was a victim of being overcharged car cut off etc. From my understanding US Auto Sales filed bankruptcy and we wasnt notify or anything. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get my credit score from this company, they never help me, all they do is tell me to send copies of my identification to the credit company and nothing ever gets solve, first I wasn't able to get my credit score now I cant even log in to my account ... .this is ridiculous
Product: Debt collection

This is NOT my debt. This is extortion. Why is this appearing in XX/XX/XXXX for the 1st time but opened in XX/XX/XXXX?  It's extortion to get me to pay something not mines to make it go away. I have always had great medical benefits. I have never received a bill because it is not mine!. This appear on my XXXX XXXX report via XXXX as of XX/XX/XXXX but for XX/XX/XXXX. WRONG PERSON
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/19 I was made aware of some accounts and a bankruptcy on my credit report that all do not belong to me. The accounts were opened by someone else without my permission and the bankruptcy was clerically filed in error ; it belongs to someone with a similar name. I did not allow anyone to open any of these items in my name using my personal information ; I already filed a police report regarding this matter as well as notified the courts. I do not have any relationship with any of the companies and I did not benefit anything from these items that do not belong to me. I did not make any transactions or payments towards any of these accounts.
Product: Credit card

Set up for automatic payments in XXXX. Two payments were taken out. In XXXX no payments were taken and a late fee assessed. Contacted BofA and was told that it was not set up for automatic payments, so I did it again, but they refused to remove the late fee.
Product: Credit reporting or other personal consumer reports

Account : # XXXX, Account name : XXXX XXXX  Account : # XXXX Account name : # XXXX, Account : # XXXX, Account name : XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> 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 generallf, 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX  XXXX-related debt bondage, which qualifies as trafficking under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} XXXX  Account # : XXXX Balance : {$470.00} XXXX XXXX Account # : XXXX Balance : {$89.00} XXXX XXXX XXXX Account # : XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Mortgage

Select Portfolio Services claims in their response to my complaint XXXX that XXXX made a " Protective Advance '' when they paid off XXXX XXXX. What were they protecting? I was not under threat of foreclosure from XXXX. 
Also, where in my mortgage document with XXXX XXXX ( the original mortgage holder ) does it even mention " protective advances '' or anything like them? 
No matter what SPS tries to call it, it was a cash out refinance, entitling me to both disclosures of disbursement of funds and the right of recision.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to TransUnion for allowing fraudulent inquiries on my credit report. I sent them a letter but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included in here with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/2021 stating I owe {$840.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt and requested verification and validation of the debt. I did not receive either. I did not mail certified so that was my mistake. This letter was mailed on XX/XX/2021. 

I then received a letter dated XX/XX/2021 stating I owe {$3600.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt again and requested verification and validation of the debt. I did not receive either. This was mailed certified and it was received by Convergent Outsourcing on XX/XX/2021. 

Today, XX/XX/2021, I have received another debt collection letter dated XX/XX/2021 stating I owe {$3600.00} to Receivables XXXX XXXX for account withheld per instruction, Reference withheld per instruction. I will again be disputing and requesting verification and validation of the debt, but this is now the third contact and each time I have disputed and requested verification and validation and I have not received it. This is not my debt. I do not have any accounts with this creditor ( supposedly XXXX ) and the threats of judgment against me after I have complied with the requirements to dispute and request validation and verification of the debt need to stop. It costs roughly {$5.00} to mail certified and I should have received the validation and verification as requested in both my first two letters. Please help me resolve this and not have to continue sending certified letters to dispute for a debt that is not mine. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports that my personal information was likely leaked in the hacking of their databanks in XX/XX/XXXX through XX/XX/XXXX. This could include my social security number, date of birth, drivers license number, etc.. I never consented for Equifax, or any other credit bureau, to collect this information and the loss of it is squarely their responsibility. I am unable to get a new SSN or drivers license number, these have been compromised and will never be safe again. It has been reported that certain leadership of Equifax sold some stock in the company before the reporting of identity theft was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the credit reporting act, the credit bureau has 30 days to reply back to my dispute. They failed to do so. I'm asking for the information to be deleted on my credit report. I submitted the disputes on XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account I have disputed as inaccurate reporting ; XXXXXXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 

XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 

XXXXXXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 

XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$22000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$67.00}. The original creditor is XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Despite paying down balance on Mastercard each month the payment owed each month has actually gone up more than once despite there being no new activity on the card. 
For example, in XXXX of 2020 the outstandling balance was {$16000.00} with a minimum payment due of {$420.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
Most recent bill for XXXX of 2020 has balance of {$15000.00} with a minimum payment due of {$420.00} When I spoke to customer service on XX/XX/2020 the representative advised the best thing to do is pay off the balance so this wont happen anymore! There has no activity or purchases made on the card or missed/late payments in all the time frames referenced above.
Product: Credit reporting or other personal consumer reports

I called the number listed on the letter I received the person told me to call back when I could get online. When I called back they refused to take my call and I am still unable to get online or access my account in anyway. Also they refused to take my concern about lost debit card. They played games with me that were abusive to my XXXX XXXX. They kept paraphrasing me in a sarcastic tone and in an abusive manner. They discussed my account without me ever identifying myself. I recorded the call as per local law and informed them I was recording it.
Product: Mortgage

In XXXX  went to court with XXXX to get payments on loan set to XXXX a month we pay taxes and home owners which has been done for four decades. XXXX XXXX our attorney had fixed payments for a fixed income for husband had and has XXXX The Fay servicing apperantly bought out our loan and we paid this amount to them for over a year and then they added escrow and home owner insurance to our loan. In the past two years I have tried to talk with over a dozen differnt people there and I send in the declaration page twice over the last year with copies of taxes pd and they dont drop the escrow and payments they raise the payments higher! I can prove through my bank I pd taxes this year on house lots XXXX and mobile home taxes but they jump again again this year and pd taxes on lot XXXX a empty lot and lot XXXX where the mobile home is located I have in vane tried to get this Fay Servicing to understand and sent them copies of my XXXX legal judge ordered paperwork stating : I was to pay XXXX payments of the XXXX which we have over a decade until they sent back payment XXXX and payment XXXX and the check for the taxes for lots XXXX XXXX and house XXXX # XXXX for XXXX said we had to pay escrow amount XXXX and that's how this mess began. They have since then tried to force us to pay these payments and we are on fixed income! I have sold personal belongings to keep coming up with the payments they say we owe. I have tried to retain the XXXX XXXXXXXX XXXX XXXX  in XXXX but no response? Mailed them copies of some sort of pre closure paperwork that was sent and my husband cant read he has XXXX and signed for the papers and we had to come up with another XXXX payment? The numbers aren't right in our loan they say we owe XXXX more payments? At the rate they keep going up on payments that's crazy numbers anyone that cant add can figure that one out! I have proof of everything I have paid them and I had my debt almost paid off at XXXX The paperwork we received from Fay for filing taxes are saying XXXX? We can prove what we pd them through our bank same account it was when first payment made. We have a XXXX acre private invite only golf course and resort breaking ground just blocks away and everyone wants this property we have had for decades including the Fay Servicing. We need a Consumer Attorney to help us have our day in court to prove what this ruthless company is doing. We were affected by the XXXX storm here in our area no power for 2 wk no internet or phone for 5wk Any help or suggestions would be greatly appreciated as they just have hung up on me because I ask him his name which I already knew because I have spoke with him several times. Rude person said if I cant pay the XXXX this month he could not except my XXXX I was trying to pay and said I'm hanging up. I had him on speaker and a witness who heard it. I will not let this ruthless company steal what we have worked hard for most of our Lifes. I have all paperwork to prove my side of this story. I hope someone here can help. Thank you for your time its a long drawn out process that has played out to long on our end!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor
Product: Credit card

bank of America is changing information on a fraudulent credit card to hold me as a financial hostage the last date of payment is being moved around so that it remains on my credit report pls help pls help
Product: Debt collection

I had an account with XXXX XXXX opened in XXXX 2009. I defaulted on this when I got sick and was unable to work. I later became XXXX due to this illness. I tried to work with XXXX XXXX but they charged off the debt. Since that time, a debt collector purchased the debt and I have received XXXX Dismissals from my local District Court and then a Summons and Complaint from the same court today about this debt.