23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received mailer from BHG suggesting to apply to BHG for a loan, the material was address to me as an individual and not to a business. Around XX/XX/XXXX, I decided to take a loan to pay off my credit card debt. During the application process BHG knew from oral conversation and email that I did not own any business. In which they replied it wasn't a requirement for the loan. XX/XX/XXXX, BHG gave me a loan agreement consisting mostly of fine-print legal terminology. Substantially none of the terms in BHG 's loan agreement were written in language that would be understandable to a layperson like myself. 

I accepted the loan relying on my child support to make the payments. When my ex-husband died in XX/XX/XXXX, I informed BHG that I would need to reduce my payment due to loss of income, which I was informed to file for a hardship. I applied 3 time and was denied because they stated I did not include the child support in my application. I am constantly receiving text from XXXX XXXX for the missed payments due to my loss of income. I have asked them to restructure the loan to make the payments more affordable which was also denied. They are stating i can not restructure the loan until I have had the loan for 5 years which I don't understand. The interest rate is XXXX for 84 payments of {$1000.00}. Which is higher than what I pay for my car note which I financed {$50000.00}.

BHG did not disclose an APR for the loan, and it did not make other disclosures that are required as if it were making a consumer loan. BHG falsely drafted its loan agreement as a commercial loan to a business as purported " sole proprietorship '' d/b/a. It also made references to a commercial loan within the document. However, no such sole proprietorship existed and BHG knew this because of the materials and communications exchanged. They only asked for my pay stubs which clearly indicates I am employed. I was not required to provide any documentation of any business. In my opinion BHG intentionally baited me during my time of need into an extremely expensive commercial loan when I thought I was getting a personal loan. I do not receive any statements showing payments and balances of the loan, so I will never know the progress I am making with payments. 

This type of predatory lending should not be permitted, and I should have never qualified for a commercial loan. When I informed BHG I did not own a business they stated it was ok and I would qualify for the loan.
Product: Credit reporting or other personal consumer reports

I also respectfully request to be provided proof of this alleged item, specifically that these payments were in fact late. By the provisions of the consumer laws. I demand that if unable to do so or lacking proof of these payments being late, please update my payment history of PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditor who have requested a copy of my report in the last six months. XXXX has recently updated my credit report as XX/XX/2024, it still says the same thing everything remain the same NO change I'm very frustrated and upset this has been going on for 5 months and NO RESOLUTION AT ALL. With all the documentation that been sent in it has never changed. I've sent forbearance letter and deferment letter no change
Product: Credit reporting or other personal consumer reports

Equifax will not let me into my account or even access my own information. I would simply like to unfreeze my account after several years. This is not the first time I've had issues with them and I'm just too tired to fight with their team about it. I have an account I have verification, but it won't even let me get that far. Thank you.
Product: Credit card or prepaid card

Hi, I used a chase credit card to put a downpayment for a pre-order on a vehicle. I cancelled the card and closed the account due to inactivity. I still have a card and account with Chase. Months later, I told the car dealership i did not want the pre-order. The dealership said they refunded by old credit card. I confirmed this with the dealership. I was in touch with multiple debts : fraud, legal, escalations. The answer i received was they couldn't pull up my purged account due to their policy. Unfortunately, they were no help. I am trying to my refund for which i'm owed. 
Any help is much appreciated.
Product: Credit reporting

Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated " XXXX XXXX, 2015. '' Under the section entitled " Personal Information '' it had a " XXXX XXXX XXXX, name identification number XXXX '' listed. My full name is " XXXX XXXX XXXX, XXXX, '' NOT " XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up " Experian '' and asked them to " delete '' this false " XXXX XXXX XXXX '' from my " Experian '' credit file, they refused to do so, thus, putting me for more chances of even greater Identity Theft in the very near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to XXXX you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to National Credit Adjusters on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. National Credit Adjusters has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attached document.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was stolen as a result of the XXXX breach of XX/XX/year>. There are several items where I am not familiar with, countless of inquiries I did not authorize and this had brought adverse action against me and my credit score.
Product: Checking or savings account

On XXXX my account was fraudulently charged multiple times by a company I have no relationship with, XXXX XXXX. My bank, Chime contacted me and told me my account had been breeched and they were sending me a new card. I submitted a claim for the fraud and received a provisional credit on my account. I have now been informed that some of the charges that occurred from the same vendor at the same time were valid, when they clearly are not. Their customer service has been abysmal in dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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, credit repair services, or other personal consumer reports

The XXXX County Recorder recorded a Federal tax lien on/aboutXX/XX/XXXXfor {$200000.00}. The Federal statute of limitations time limit has run out on this debt and should have been dismissed/removed on/about XX/XX/XXXX. I contacted the IRS and received no response. I have contacted Experian on their website several times on XX/XX/XXXX &XX/XX/XXXX and consistently get locked out of their system and get an error message that their system has encountered an error and to try again later, which has stopped me from filing a dispute and getting a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX  XXXX - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call XXXX.
Product: Credit reporting or other personal consumer reports

This letter is my XXXX  request to permanently remove the security freeze placed on my credit report. I previously submitted a request on I understand that a security freeze helps prevent unauthorized access to my credit report. However, I now need my credit report to be unfrozen for renting an apartment all info needed for verification is also attached to this letter
Product: Debt collection

On about XX/XX/2019, after living abroad for 9 years, I returned to the US to find an errant collection account from CAINE & WEINER on my XXXX and XXXX  credit reports. After providing an Affidavit of Dispute to Caine & Weiner on XX/XX/2019 indicating that I do not owe money to the original creditor XXXX XXXX, they have failed to respond in any manner. 

My Affidavit of Dispute demanded that they validate the debt by delivery of a written contract bearing my signature among other methods. I also demanded they cease collection activities and remove their erroneous and damaging negative reporting to the collection agencies which is causing me financial harm. 

I understand that Cain & Wiener has violated 15 U.S.C. 1681 and 15 U.S.C. 1692 by failing to respond, failure to cease collection activities among other violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by LexisNexis, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. LexisNexis has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of LexisNexis at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for LexisNexis and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.
Product: Student loan

I have requested a refund of payments made to my student loan during the Covid-19 forbearance period. I am due a refund of {$2600.00}. I have contacted my student loan servicer, Mohela, several times and have received no acknowledgement nor reply. 

Contact attempts : XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via USPS XXXX XX/XX/XXXX via fax XXXX XX/XX/XXXX via USPS I have received no reply to any of these contact attempts. I have received no indication that a refund is being processed. I have reviewed Mohela 's website to ensure that I am following proper procedure to request a refund. Their website simply states to " contact us '' to request a refund. 

Specifically, the site says, " If you made a payment on/after XX/XX/XXXX, and would like this refunded, please contact us. '' ( https : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ISSUE No. 1 : EQUIFAX will not send me a copy of my credit report. 

I have written to Equifax ( Certified Return Receipt ) seven ( 7 ) times, since XX/XX/XXXX, to request various corrections and to request my credit report. I have provided Equifax with multiple copies of valid Identification ( i.e., copies of Driver 's License, SSN card, and current Utility bills ). 

For each request to Equifax, I received a standard letter stating " we were unable to locate a credit file in out database '' ( even though the requested corrections would be made to my online Equifax account ). The dates written are as follows : 1 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 2 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 3 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 4 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 5 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 6 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 7 ) XXXX ( U.S.P.S. Certified Mail Receipt ) ISSUE No. 2 : Equifax has completed deleted my credit history!!! 

Today, XXXX, I logged into my Equifax online account only to discover that Equifax has deleted my entire credit profile. The online Summary states, " Credit File States : No Indicator on file ; Average Account Age : 0 Year, 0 Month ; Length of Credit History : 0 Year, ) Month. '' THIS IS NOT ACCURATE!!! I have had active credit account, reporting to Equifax for greater than 20 years. 

This same report also has an outdated address, which was previously corrected in XXXX. 

I attempted to dispute this error online and Equifax would not allow the dispute. I was also not able to reach Equifax via phone due to excessively long hold times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$960.00} XXXX   XXXX {$680.00} XXXX XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$640.00} XXXX/XXXX   XXXX {$490.00} XXXX/XXXX  XXXX {$570.00}
Product: Debt collection

On 2013, I ended my service with XXXX and paid the full amount. After the service was terminated, XXXX charged me for {$81.00} for the next month 's cycle which was a mistake on their part. 

I disputed this collection on XXXX and it was removed from my account increasing my credit score. 

Please assist with this issue I am having. I 'd like to keep a clean credit and I have always been diligent with my payments. I 'd be happy to provide more information. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX XX/XX/year>2025 Experian XXXX Department XXXX XXXX  XXXX, XXXX, XXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report Dear Experian XXXX Department, I am writing to formally dispute the accuracy of certain information contained in my credit report, as provided to me by Experian. The information in question is not only inaccurate but also fails to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates accurate, complete, and fair reporting of consumer credit information.

Account ( s ) in Dispute : All negative items and false addresses are listed on my report besides the address on this letter. 

Under CFPB guidelines and precedents set in lawsuits filed against Experian, including enforcement actions, Experian has a duty to : Conduct a thorough investigation into disputed information. 
Correct or delete any information that is inaccurate, incomplete, or unverifiable. 
Provide timely notice to the furnisher of information regarding the dispute. 
Update the consumer regarding the resolution of the dispute within XXXX days. 
The disputed information in my report is demonstrably inaccurate for the following reasons : [ Provide specific details, e.g., account balance is incorrect, account status is misreported, account does not belong to you, etc. ] I have attached the following supporting documents for your review : [ List documents such as billing statements, letters from creditors, proof of payment, etc. ] Failure to comply with the FCRAs requirements, as well as the CFPBs guidelines, constitutes a violation of federal law. I am also aware of the XXXX previous legal action against Experian for similar practices of failing to ensure the accuracy of its reporting, as referenced in [ specific CFPB case or enforcement action, if applicable ]. 

I request that you : Investigate this dispute promptly as required by law. 
Correct or remove the inaccurate information from my credit report. 
Provide me with written confirmation of your investigation and its outcome. 
Failure to comply with this request within 30 days will leave me no choice but to escalate this matter by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state attorney general 's office. I also reserve the right to pursue legal action to enforce my rights under the FCRA. 

Please confirm receipt of this letter and contact me with the results of your investigation at your earliest convenience. I expect a resolution of this matter within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I AM VICTIM OF IDENTITY THEFT. 

ALL MY PERSONAL INFORMATION WAS EXPOSED IN A NUMBER OF DATA BREACHES DATING BACK FROM XXXX  TO CURRENT. 

I HAVE BEEN COMPENSATED IN CLASS ACTION LAWSUITS AGAINST XXXX AND XXXX. DUE TO THE CURRENT ACCOUNTS FRAUDULENTLY OPENED MY CLAIM WITH XXXX HAS BEEN EXTENDED POLICE REPORTS, COMPLAINTS AND AFFIDAVITS HAVE ALL BEEN SIGNED BY LAW ENFORCEMENT AND A CREDIT FREEZE HAS BEEN PLACED. 

THE CREDITORS I LISTED HAVE ALL BEEN DISPUTED WITH CREDIT BUREAUS BUT STILL REMAIN ON MY CREDIT FILE EVEN WITH ALL OF THE SUPPORTING DOCUMENTS. 

ATTACHED IS THE FTC REPORT
Product: Checking or savings account

I received an invitation to open an Ally Invest account and receive a promotional bonus of {$250.00}. I verified with the Ally Invest representative XXXX via a recorded phone call on XX/XX/2022 that my account was enrolled and I would be awarded the bonuses if I met the deposit requirements ( {$500.00} for 90 days ). I met the deposit requirements and have not received the bonus. They now refuse to pay. This is bait-and-switch and illegal.
Product: Debt collection

Debt recovery solutions / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.
Product: Debt collection

Genesis credit management {$1300.00} My apartment complex I use to live at sold their debt to this company and they dont have a license to collect in the state of Texas which is unlawful.