23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Omega RMS-I was contacted about an alleged debt through XXXX XXXX XXXX XXXX I cancelled the travel service XX/XX/XXXX due to the escalating COVID 19 pandemic. When I initially spoke with XXXX, I informed her that I had received communication from another agency about this account and that I was disputing this account. She advised that Omega RMS was the only account handling this alleged debt. I then received communication by mail on this debt and returned a letter XX/XX/XXXX disputing this debt and requesting the contact information of the original company. I received a follow up call from XXXX XXXX I again reported that I was disputing this account and that I was confident that I was communicating with two separate entities about the same debt. Today, XX/XX/XXXX, I received communication from XXXX XXXX XXXX about the same account. I called XXXX to update her with this new information and inquired if these were the same company. She denied any knowledge of XXXX. I repeatedly attempted to clarify which company was handling this debt. XXXX insisted that Omega RMS was the only agency and that the account had been placed with her on XXXX I requested to speak to a supervisor about this, as I am trying to clarify who to escalate the dispute to, and XXXX refused. I asked to speak to any other agent, and XXXX refused. At this point, Ive asked for XXXX not to contact me or be involved in my case. She again refused. I do not have confidence XXXX has appropriately addressed my account or dispute, I am concerned that multiple companies are involved in the same alleged debt, and I concerned that XXXX and Omega RMS will take punitive action against me due to my awareness of their blatant deception attempt.
Product: Checking or savings account

I have long used third party apps to help me, budget, save, and invest my money by permitting these apps access to my CapitalOne 360 checking account.. 

Sometime in XXXX CapitalOne increased their security in such a way that it has restricted access to the third party apps I have permitted and frankly have come to rely on. 

I really think CapitalOne 360 Checking is great but after restricting access to my funds essentially, Ive had to consider closing my checking account. 

Please fix this CapitalOne.
Product: Debt collection

Keep calling wont say what its about or anything or who debt is from
Product: Credit reporting or other personal consumer reports

There are several incorrect address on my credit report. My credit report should have only one name XXXX XXXX XXXX or XXXX XXXX. The only address that should be listed or XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Everything else listed is incorrect and not factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do I owe this debt to you or to the original creditor? 

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For match 2020 until the current day, I've been trying to apply for a mortgage. Equifax has given me the run around. Fake promises and lying
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and saw a bunch of credit inquiries I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

The wording surrounding the terms of the loan were very confusing and did not make sense. I would not have accepted a {$500.00} loan for a total payment in fees of over {$3000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

I refinanced my VA loan with Freedom Mortgage ( VA streamlined ) and closed on XX/XX/XXXX to lower my mortgage rate only - no cash out. I never received an accurate closing disclosure in advance and only received it at closing. The entire process was chaotic and two loan disclosures provided in advance were not accurate. 

Now my current problem involves home owners insurance. At closing, the company added the full annual amount of my homeowners premium to the loan principal since the renewal premium ( {$1600.00} ) was due on XX/XX/XXXX. ( page of closing disclosure showing premium added to loan principal attached - amount circled ). However, the amount was not added to my escrow account, nor has the payment been made to my insurance company. 

I have emailed Freedom Mortgage twice about the problem : XX/XX/XXXX and XX/XX/XXXX. I received automated responses but never received an answer to my inquiry. Multiple phone call attempts have been unable to reach anyone or unable to achieve any resolution. I have spent more than an hour on the phone today being passed around to different departments with no resolution ( customer service to insurance department to mortgage department, being cut off, starting over, again to customer service to insurance, where I have now been on hold for more than 25 minutes after being asked to wait 2 or 3 minutes while she checked with mortgage department ). 

As of XXXX ( EST ), XX/XX/XXXX, this premium has not been paid to my insurance company and I AM CONCERNED THAT MY INSURANCE WILL LAPSE. 


Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem is credit bureaus have inaccurate information on my credit report such as dob telephone number and address
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported to owe a debt to XXXX  XXXX XXXX. It is reported to my Experian credit report. I have tried contacting the creditor and provided my social security number and yet they do not have any information. I did not open the account and have been given no evidence of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX  # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.
Product: Money transfer, virtual currency, or money service

I SIGNED A CONTRACT WITH ARETE ( DBA ) XXXX TO PAY MY DEBTS .ARETE  TOLD MEI WOULD COST ME {$750.00} TO PAY MY CREDITORS LISTED BELOW.BEGINNING XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX AND ON XXXX XXXX WE AGREED T0 INCLUDE. XXXX XXXX XXXX FOR INCREASED PAYMENTS OF $ XXXX  MONTHLY BECAUSE ARETE WOULD CALL AND TRY TO GIVE INFORMATION BY PHONE BUT WOULD NOT GIVE ME WRITTEN INFORMATION I CANCELED HE CONTRACT. 
LATER I DISCOVERED THEY MAY HAVE SETTLED A CASE THAT WAS NOT MINE AND IT WENT TO COURT IN XX/XX/XXXXI DID NOT EVEN KNOW ABOUT THAT CASE.I PAID TOTAL OF 21 MONTHS FOR {$17000.00} ARETE SETTLE XXXX XXXX XXXX FOR {$5400.00} I AM UPLOADING ONLY BEGINNING AD ENDING BANK STATEMENTS BUT ALL 21 MONTHS THAT I PAID.I AM SENIOR CITIZEN PHONE CALLS WAS SO CONVINCEING.MY CREDIT SCORE WENT FROM XXXX TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I am in desperate need of this item to be REPAIRED or CORRECTED. 

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

Capital One XXXX This account is not mine. I was only added as an authorized user. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Request for CFPB Assistance Against EdFinancial , XXXX, and XXXX for Violations of Federal Law** Dear CFPB, I am requesting your assistance in taking action against **EdFinancial Services, XXXX, and XX/XX/XXXX** for their failure to provide documentation and continued inaccurate reporting of a **paid and closed student loan account** on my credit file. 
Despite my repeated requests, **EdFinancial has not provided any proof of their right to report this account**, yet XXXX and XXXX continue to include it in my credit reports. Their actions violate federal laws that protect consumers from inaccurate and unverified reporting.

**Violations of Federal Law** The actions of EdFinancial, XXXX, and XXXX may constitute violations of the following laws : **1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. ** - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Furnishers must not report inaccurate information. EdFinancial is reporting an account without verification.

- **15 U.S.C. 1681s-2 ( b ) : ** Credit bureaus and furnishers must investigate disputes and provide proper verification or delete the disputed information. XXXX and XXXX have failed to remove this unverified account. 
- **15 U.S.C. 1681i : ** Credit bureaus must conduct a reasonable reinvestigation of disputed information. XXXX and XXXX have **failed to verify this account** and continue to report it inaccurately.

**2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. ** - **15 U.S.C. 1692e ( 8 ) : ** It is unlawful for a debt collector to communicate false credit information or fail to report that a debt is disputed.

**3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1631 et seq. ** - EdFinancial is required to provide clear and accurate disclosures, including verification of the debt. Their failure to do so raises serious compliance concerns.

**Request for CFPB Action** I request that the CFPB : 1. **Investigate EdFinancial, XXXX XXXX and TransUnion** for their failure to provide proper documentation and their continued reporting of inaccurate information. 
2. **Compel EdFinancial to provide documentation proving their right to report this account** or remove the account from my credit reports.

3. **Hold XXXX and XXXX accountable** for failing to properly investigate my dispute and continuing to report unverified information.

4. **Ensure the immediate removal of this account from my credit reports** if no valid documentation is provided.

Please advise me on the next steps I should take. I appreciate the CFPBs assistance in ensuring these companies comply with federal law and correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  2017 , I noticed that there was a tax lien showing on my credit report. I immediately contacted the state of South Carolina, who it was showing filed the lien. They filed an expungement with the court house and sent me the documentation stating that it had been expunged. I then filed with all   XXXX   credit bureaus to have this removed from my record. Equifax is the only company that refused to remove it from my record. After receiving information that they would not be removing it, due to their investigation, I called Equifax on  XXXX   XXXX ,  2017 . I was told over the phone, on a recorded phone call, that this would be completely removed from my record. However, over 30 days later, it had not been removed. I then made a second call to Equifax on  XXXX   XXXX ,  2017 . On this phone call, I was told that I should have never been told it would be removed. I even spoke to a manager. I was told to write a letter and submit my evidence again. On  XXXX   XXXX ,  2017 , I submitted a letter to Equifax, along with the expungement letter from the state of South Carolina. On  XXXX   XXXX ,  2017 , I received a letter from Equifax stating that they still would not remove it from my account.
Product: Credit card

Please see the documents attached. I urge the bureau to initiate an investigation into these accounts, as they consistently show no late payments despite being reported as such.
Product: Debt collection

I am just at my wits end. I am being threatened with a suit by some huge Law Firm called Mandarich Law Group , LLP for a debt I have no knowledge of. I am a victim of Identity theft and I have lived at my current resident for several years and I have never received a notice from this law firm until now. 

In addition, they ( Mandarich Law Group ) claim they are collecting for their client who is XXXX XXXX XXXX whom I have never been contacted by, however they are a collection agency. The collection agency according to my credits says they are collecting for XXXX? 

Is this legal can I in fact be sued for something I know nothing about? I was never contacted by XXXX who is suppose to be the original creditor, nor have I been contacted by XXXX , XXXX who is suppose to be the collection agency collecting on behalf of the original creditor. 
I was only contacted by the law firm with a DEMAND letter dated XXXX XXXX, 2015 that I received on XXXX XXXX which they said in the letter I have 10 days to respond when I received the letter 10 days from the date of the letter.
Product: Vehicle loan or lease

On XX/XX/2020 I called Ally Auto to request a loan modification to lower payments due to a loss of hours and revenue due to the Pandemic. Upon calling Ally the representative I spoke with said there was nothing in the records that showed I requested a loan modification in XX/XX/2020. I then asked to speak with someone else possibly a manager and they gave me a number to a different department to call. I hung up and called the other department and spoke with some who said they located the loan modification request and I asked why it was never honored by Ally? The rep told me that I never paid the {$68.00} to have the loan modified, I have never paid to have a loan modified before and now they are requesting a full payment for an extension. 

I asked the rep can we apply for a new loan modification nothing has changed in circumstances since XX/XX/2020 when I applied for the first loan modification and the rep said that I was denied. We attempted again and still a denial but I never received a reason for denial and the rep did not tell me why as he could not see the reason why on his end. The series of questions that are asked and the answers I gave makes us qualified for the loan modification but they refuse to offer it with no reason why. 

I feel that Ally is not truly willing to work with us and that will allow us to pay and keep a good standing with the organization. The continuous denials for modification during a troubled time and I need help dealing with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just found, that I have a closed account on my credit report. This account was closed as soon as I realized. 

Account name : XXXX XXXX XXXX XXXX. 

I did not even use this account, it was pre-approval application without opening account, but account was opened, then I closed it directly with bank. 
Today I've tried to discuss this problem with XXXX XXXX, they said that on the next billing cycle they will not report this account. 

Four days ago I found that this account caused credit score drop for XXXX points, it's unfair. 

Remove this account from my credit report.
Product: Student loan

I have only attended XXXX colleges during the time that I have been in college obtaining my college degrees, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX & XXXX XXXX. 

I have been battling with Navient & Sallie Mae since XXXX to now regarding student loans that are not mine. I have student loans on my account for schools not only that I did not attend which were XXXX XXXXXXXX & XXXX XXXX XXXXXXXX XXXX. I also filed this student loans in a Ch XXXX BK in XXXX that was discharged as a result of these not being my student loans because I was a victim of Identity Theft during this time ; XXXX and after. I submitted all documentation to the Department of Education, Sallie Mae and Navient who by the way denied my Identity Theft claim, and now they are stating that they never received any of the documentation. 

I am moving forward with filing a lawsuit against Department of Education and Navient who also bought out Sallie Mae who was also sued as well and having an ongoing lawsuit just like XXXX does. I know because they offered me a settlement as did Sallie Mae. I am also going public with this information with social media and news outlets. 

Sallie Mae was scamming us for years and now Navient is doing the exact same thing. I refuse to pay for student loans that I did not benefit from at all this is beyond ridiculous I reached out to Department of Education who referred me to Navient on XX/XX/XXXX and they have the power to remove the loans that are not mine but refuse in which to do so. 

I have been battling this matter for 8 years and I want these loans removed from Department of Education, Navient, and my credit reports as well. The interest alone is beyond ridiculous. My student loans have ballooned from {$160000.00} to {$190000.00} and now I am supposed to pay for loans that are only not mine but was also discharged in a Chapter XXXX BK in XXXX. I do not think so not on my life. 

This is a violation of my civil rights and the right to have due process. I was not even allowed to appeal the process despite the fact that there is an appeal process nor did I receive a letter from Department of Education regarding them denying my Identity Theft claim which is overly ridiculous above and beyond because I sent them all the supporting documentation to support this. 

Things have to change with regards to who's in charge and who's making these decisions. This is not conducive to how business is conducted and handled. 

I need and want answers and support with regards to this matter and I need them now. I want this matter resolved promptly and now rather than later. I am tired of this and it has been 8 years and I am going to do whatever I have to do to deal with this matter. 

I can be reached by email at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX