23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the SAVE Plan on XX/XX/XXXX, after weeks of trying to access the FSA website but finding it down ( like many other people ). I was immediately approved, and told that my new payment amount would be {$0.00} ( being a parent and having a mortgage, this was the best news ever ). So, I knew it might take some time to process with my servicer, which was switched to MOHELA when my PSLF ( I work for the XXXX XXXX ) was approved in XXXX of XXXX, so I sucked it up and made the first payment of {$240.00} at the same time. There was even an option during the SAVE Plan signup to apply {$5.00} to avoid anything counting as a missed payment ( or something like that ), which I took advantage of. Fast forward to XX/XX/XXXX, and I have needed to make that {$240.00} payment 5 times so far, as MOHELA has listed my IDR Document as " Processing, '' with a received date of XX/XX/XXXX, the day after I was approved for the program by the FSA. MOHELA 's website still states they have a high call volume, consulting the internet has resulted in me learning that it's essentially pointless to call, and that the only way any action gets taken is by filing a CFPB claim. I acknowledge that MOHELA has a lot of stuff to sort out, but the fact that they've taken over 5 months and still haven't processed my claim ( which, as a reminder, is PSLF-eligible, meaning in a few more years they should be forgiven ), it really seems as though they are delaying the process of my claim in order to get as much of the limited amount of money I would have to pay out of me. I can't afford these payments, I haven't been able to afford them, and the credit card debt I'm prevented from paying off by making these payments ( which I HAVE to make, as a condition of PSLF ) is causing massive harm to my credit score and the amount of debt I have now.
Product: Credit reporting or other personal consumer reports

XX/XX/year> checked my credit score with Credit Karma, as I do frequently. Today I noticed my score had dropped drastically. I got a XXXX XXXX card ( hard inquiry ) to replace my condo windows. I reached out to Credit Karma to ask why the big drop in score, they informed me because that card is well above the 30 % usage rate they like to see. All of my other accounts are in excellent condition, so why such a drastic change?? 

Maybe you can find out more for me... 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

( 1 ) 15 usc 1681q- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

XXXX Items dicover inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ROCKET MTG was never late! I have had exceptional payment history with ROCKET MTG and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


ROCKET MTG Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS AFFAI, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says I have an alias XXXX XXXX. I think my credit was hacked by people I worked for or people they know. This is not correct information. I have never used this name. Do you need a screen shot of the alias?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX 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 ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX 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 XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I had an automatic charge go to my capital one account that I hadn't known about. I just started a new job so I went into a cap one cafe and asked how long to bring account current. They told 56 days or XXXX. Mind you, this is all over {$40.00}. I get paid from my new job tomorrow. They decided to close my account today - a day early. I called and they told me tough, can't help you, doesn't matter if info you got was wrong. Again, this is over {$40.00} which will be paid by the time you probably get back to me. This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.
Product: Debt collection

I shared my info that im facing hardship plus my income was below 25k for the years of XXXX up to XXXX. I also have been taking care of a sick parent that been in & out of the hospital plus helping financially as much as possible. I shown all my copys w2s proof of payments insurances and support payments daycare payment housing but at this time i need help real assistance because my credit is taken a mayor hit for some time now. As a young adult at the age of XXXX teen im now XXXX of age having a bad credit history has effected me because im unable to get a high paying job plus my license as a XXXX XXXX XXXX or driven license to work in the industry i once did were i was making close to $ 80k a year i really need this company that reporting to be remove. When i shown all my info with my lawyer they were suppose to make changes to my account and never did by there lack of work in adjusting my account properly it has put my life financially in a downward spiral because of a high support amount that doesn't reflect the law nor does it reflect my current wages nor does it reflect my current agreement. Past amount was XXXX  a month now it increase to 800 plus bring me to XXXX which i cant pay and may need to file for bankruptcy.
Product: Credit card or prepaid card

Told Capital one I did not request XXXX charge and did not recieve service for it either. I contacted XXXX and said to cancel charge they refused. I told to Capital One and supported information. They rejected my request and charged me anyway for a service not provided against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and should be removed from my report immediately : Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX- This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX  - I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Account Number XXXX XXXX XXXX XXXX XXXX  - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Under the FCRA, credit reporting agencies are required to ensure that the information in their reports is accurate and up-to-date. I understand that accurate credit reporting is crucial and I respectfully request that you investigate these items and take appropriate action to remove or correct them, as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX we were contacted by XXXX XXXX a Carrington mortgage loan officer, with a proposal on refinancing our mortgage loan for a lower rate. During this time we were in need of a break financially due to the fact that my hours were being cut short due to it being the slow season at my job ( XXXX ). So we took XXXX XXXX proposal and completed all required documentation for the refinance process. We received a call from him on XXXX XXXX advising that we did not need to make a mortgage payment XX/XX/XXXX because we would be closing on the refinance by the end of the month. His exact words were " Take your wife out to dinner because you do not have to pay your mortgage for the next two months, ( XX/XX/XXXX and XX/XX/2015 ). We were very surprised at how easy the process had been to be refinanced. We waited about a week and began to receive calls form Carrington Mortgage Customer Servcie stating that we need to make a payment. We then contacted XXXX XXXX and he assured us that we would be closing by the end of the month and that we did not need to make a payment. A week rolled by and we had n't heard anything from XXXX XXXX so my wife along with myself began to call XXXX XXXX to try to get some direction as to the next steps in the process. We did not receive a response from him. We called him over 20 times and called the customer service center for updates on the account and kept being told that they could n't give us any information and that only XXXX XXXX or someone in the refinance department could let us know where our file stood. We were lost and the month was almost over. We then contacted and spoke with several supervisors in that dept that were not any help as well. The first week of XXXX XXXX , XXXX contacted us and apologized regarding him not contacting us regarding the refinance because he was on vacation. He claimed that he submitted our file to the processor to have them schedule someone to come out and do the closing but the processor did not complete it. He claimed that he did not want to place the blame on the processor but he did n't want to take the blame for it either. We were distraught. We worked hard to ensure that all of the information requested was turned in and trusted the information that was provided by XXXX XXXX was accurate, When in turn it has hurt us in the long run. We now have negative marks on our credit and now getting collection calls and activity. On top of the issues that we had with XXXX XXXX we were then advised to request modification of the loan to help us get caught back up instead of the customer service dept offering us an option to make payment arrangements. I have faxed and emailed several copies of a complaint letter for the inconveinice that my family has experienced due to the negligence of their internal process. I have yet to get a respone to the fax or email that was sent. I have records of all forms and letters that have been sent to Carrington Mortgage and can send them at your request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with This credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- XXXX XXXX account # XXXX XXXX account # XXXX -- XXXX account # : XXXX - In XX/XX/2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Debt collection

Also part of this is " Not enough information to verify debt i.e. amount of debt & name of creditor. '' I received my bi-weekly paystub in XXXX 2016 and noticed a garnishment. I contacted my payroll department and they told me they work with this law firm all the time. I reached out to the law firm named ABENDROTH and RUSSELL LAW FIRM to verify the debt. The law firm told me the debt was with XXXX. I have never had a debt with XXXX. I asked the law firm to provide me with the mailing address and original paperwork for the debt. The law firm was unable to provide this. ABENDROTH and RUSSELL LAW FIRM then stated they would send me what they had. I have attached what was disclosed by the law firm ; it still does not validate the debt as I was never with XXXX. 

The last credit card I had, besides the low balance XXXX XXXX card that I have now, was over 10 years ago. If this debt is somehow valid, why is it being garnished today? I was never served in this matter to bring up the statute of limitations. If the collection agency knows where I work then I should have been served. Also, I believe that based on the case numbers provided on the information from the law firm that this is an old debt ( not XXXX ) that I 've already been garnished for. I 'm bringing this second piece in as you will see the case numbers. I have looked the case numbers up and I will be providing the court notes on those. 

1. Whatever the case may be, I do not owe XXXX and ABENDROTH and RUSSELL LAW FIRM does not have any paperwork showing I do. 

2. I need help determining next steps as it appears I 've paid this debt twice - once by the original creditor and also by a 3rd party debt collector. You 'll see the case numbers opened a year apart. Why is this allowed to double garnish someone for the same debt and then re-open the debt in an attempt to garnish for a 3rd time? The court case shows {$0.00} owed. 

3. When this went to court, without my knowledge, why did n't the judge look up the debt to actually confirm it? If this step was taken, then the judge would have found that this debt was paid in full. I also want information on how to take this matter further as who knows how many others have been victim to this same scenario.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, accounts : XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right of privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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. 

Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 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 item of information, other than 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union  are n't aware that you must enforce the permissible purpose provisions of the fair credit reporting act and see to me that the inclusion of these inquiries complies with this federal law or remove it.  <P/>  Tran uni on or the issues did not remove the inquiry and follow through with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was made over the phone But for some reason reported it as a late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.