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

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$6400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$69.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX  XXXX  Account Number : XXXX {$6400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$69.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$6400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$69.00} XX/XX/XXXX
Product: Student loan

I was on an interest only repayment plan for several months. When it ended, Navient called demanding a payment that was 5x what I was paying previously. I explained that I can not afford it due to cost of living. They told me to pay a certain amount to get my account caught up, so I did. Now they are claiming what I paid was not enough and my account is past due. When I explained that I paid what I was told, they told me it was the representatives error, and that I still have to make up the difference. Im not sure how its my responsibility to fix the reps error. I paid what I was told with the understanding that I would be caught up. Now the total I owe has gone up significantly past what I can afford. I tried to get back on the program I was on before, but the payment doubled and I cant afford it. They say there is nothing to be done. My interest rate is now 10 %, I will never pay these loans off. I owe more now than what I started with. That is criminal.
Product: Credit card or prepaid card

Ashelys ' furniture Home Store/ Synchrony has not responded as of XX/XX/XXXX nor XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a medical debt listed on my credit report from XXXX XXXX XXXX in the amount of {$1600.00} as of XX/XX/XXXX and updated XX/XX/XXXX. I have disputed this with all three credit bureaus and it has not been removed. This is a medical debt that is negatively impacting my life. It is now illegal for medical debt to be on consumer credit reports in the United States. The Consumer Financial Protection Bureau ( CFPB ) finalized this rule on XX/XX/XXXX. The rule applies to all medical debt, regardless of the amount or payment status. I would like this removed from all 3 credit reporting agencies promptly.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX , CT XXXX XX/XX/2023 XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}.
Product: Mortgage

My husband is an XXXX that was laid off XXXX XXXX, 2015. Knowing that I would not be able to make our mortgage payment I called the mortgage service company and asked to apply for a modification. I was told that I would not be able to apply for a modification because I was current on my mortgage. That I would need to stop making my monthly payment to fall behind and then would able to apply. I did this and was allowed to apply for a forbearance, and was approved for this plan which included to pay a XXXX a month mortgage until my husband became employed again. As soon as my husband became employed again I sent in a copy of his pay stub and then was able to apply for a modification. Doing exactly what I was told to do I sent all the information needed to apply for the modification which is now in review. After my application went to the modification department I was then informed that I should have never been told to stop making my payment to apply. This is not correct information any longer with a new law in place. Now my loan is extremely in default and I know that I will never be able to bring it back to current because of the negligence of the employee who told me to stop making my payment. I fear losing my home because of employees not being educated properly to do their job. XXXX XXXX from the modification department has informed me that she is going to have the phone conversations reviewed and to have them used in education for the employees because the laws have changed and the phone reps need to be giving correct information.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

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

The following companies show an XXXX  balance and fraudulent phone numbers to contact on my reports from XXXX, XXXX, and XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX  ( XXXX accounts ) 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.
Product: Checking or savings account

On XX/XX/XXXX, I opened an " Easy Checking '' account at First Midwest Bank, under a promotion to receive {$250.00} upon the completion of four required activities : ( 1 ) open the account before XX/XX/XXXX, ( 2 ) Make XXXX debit card transactions, ( 3 ) Make deposits totaling {$2500.00} or more, and ( 4 ) enroll in online banking and e-statements. I will attach a screenshot from the promotion website that lists these four required activities. 

I waited the prerequisite length of time after completing all of these, but did not receive the {$250.00} reward. Upon contacting First Midwest Bank, I was given conflicting information as to why I did not receive the bonus. At first, I was told that I did not use my debit card XXXX times, although I did. ( I will attach a copy of my statement that contains the XXXX debit card transactions. ) Then I was told that my balance was {$0.00} on XX/XX/XXXX, which would disqualify me. However, my starting and ending balance on XX/XX/XXXX was {$2500.00}, with no transactions done that day, so it is impossible that my balance was {$0.00}. Finally, I was told that I did not receive the reward because I did not use their mobile banking app. However, this was not prominently advertised as a requirement : I enrolled in online banking and estatements immediately upon opening the account, as was advertised as a requirement. 

I have clearly met the terms of this promotion and request that I receive the {$250.00} reward that was promised.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX  XXXX-discharged XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 ______________________________________________ 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 Original creditor : XXXX  - XXXX XXXX XXXX XXXX Original creditor : XXXX  - XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  - XXXX ___________________________________________ INQURIES XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b INQURIES - 15 USC 1681i 15 USC 1681b - CHARGE OFFS 15 USC 1681IS-2 COLLECTIONS 15 USC 1692g LATE PAYMENT 15 USC 1681 BA2 LATE PAYMENT 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ BANKRUPTCY CODES FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting or other personal consumer reports

Source : Experian Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX PHone : XXXX On XXXX XXXX, 2024 XXXX ( XXXX ) XXXX XXXX ran my credit report without my permission and generated a hard inquiry on my experian credit report. I never authorized to have my credit report pulled and therefore this inquiry is fraudulent and without proper consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on a Home Loan in XX/XX/2019 with XXXX XXXX XXXX and setup my auto pay with their loan service Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted tall three credit bureaus to have them fix my credit score. I have 9-12 good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had collections go on my credit report and went to court with the company. Both cases were dismissed and I got court paperwork showing that both cases were dismissed. I forwarded the court orders that dismissed the cases to the credit reporting company. They did not conduct an investigation. They simply took the other company, XXXX XXXX XXXX 's word for it. These items should no longer be on my credit report as they were dismissed by the court.
Product: Credit reporting or other personal consumer reports

Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
TransUnion credit reporting agency is still reporting closed accounts with XXXXXXXX XXXX XXXX XXXX  1. ( Closed XX/XX/XXXX 2. ( Closed XX/XX/XXXX 3. ( Closed XX/XX/XXXX 4. ( Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts.. 

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please. 

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
XXXX, XXXX, and Trans Union.
Product: Credit card

I have some specific questions and was told on a phone call to the CFPB to get them answered : ( 1 ) Why wasn't the dispute closed when I received the {$2800.00} back from United Airlines and asked that it be closed?

( 2 ) Has anyone at Chase looked at my spreadsheet evidence and realized that the charges added up to {$2800.00} and that I was refunded {$2800.00}? 
( XXXX ) Has anyone at Chase looked at the {$2800.00} that was transferred back to my checking account on ( XXXX ) Dies anyone at Chase know why there was a - {$1400.00} credit listed on my XX/XX/XXXX statement that simply disappeared and was never carried over to the next month? 
( XXXX ) Does anyone at Chase know where the {$2800.00} came from that was sent back to my checking account on XX/XX/XXXX ( shown on the XXXX statement )? 
( XXXX ) Has anyone outside the disputes department at Chase ( which appears to me to have stolen {$1400.00} ) reviewed this case? 
Thank you for your upcioming answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the recent exposure of data accessed via the Equifax security breach, I have tried for two days to put a credit freeze on my account at Equifax. I have made repeated attempts via phone and also via the Equifax website. However the automated phone link is unable to process the request and the internet link does not provide an option to freeze my account information. 

This company has fallen short of consumer expectations of not revealing the security breach in a timely manner and not providing the tools necessary to protect our information. 

I have attempted to call Equifax but they do not have a representative available to speak with. It is also worth noting that XXXX, XXXX, XXXX provided adequate simple and effective means of freezing my data.
Product: Student loan

I have experience a deficiency in the system, in dealing with US Bank in regards to XXXX private loans. I have unexpectedly, lost my job and found myself in an economic hardship. In efforts to maintain my private loans in good standing, they had been in auto-pay. I am actively seeking a resolution, in which I can maintain a good relationship with my creditors. However, I am no longer able to make any more payments, being that my only source of income is unemployment. I have reached out to XXXX XXXX for assistance in obtaining a deferment, and they said my only option was for me to enroll back in school. I called the US Bank assistance line, and they explained they no loner offered the option for forbearance. I explained my situation and my desire to make things right, and not default on my student loans. Their response : I will have to go on default, in which case they will start calling me ... but once I find a job, THEN I can call them and ask for an extension. It seems unreasonable, that a creditor will not offer options feasible for a debtor willing to make an arrangement while facing financial hardships.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX New Inquiries : XXXX XXXX XXXX  :
Product: Credit reporting or other personal consumer reports

Please find attached, along with XXXX supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of XXXX XXXX XXXX XXXX ( formerly known as ) XXXX XXXX XXXX XXXX, dated XX/XX/XXXX.
Product: Debt collection

XXXX I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX SXXXX XXXX XXXX OH # XXXX TXXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX-XXXXXXX
Product: Debt collection

This reported debt has been satisfied and removed from the other credit bureaus and is still reporting inaccurately on my credit profile.
Product: Mortgage

XX/XX/XXXX and XX/XX/XXXX - I tried to make a payment to Carrington Mortgage Services company on their website, as I 've been doing in XX/XX/XXXX ; however, the website would not take my payment stating that I did not meet a certain criteria. I called the XXXX customer service line to understand the criteria ; however, they were unable to explain the criteria and wanted me to pay {$15.00} to accept my payment over the phone. I requested a Supervisor/Manager and they disconnected me from the line. My loan is not late, and I do not have any issues regarding my payment history. 
Desired solution : - They need to have a policy regarding calling payments into customer service that does not include paying {$15.00}, if they have proof that their website is not working properly. The website is free, and I would prefer to use it to make payments, but it was not working. 
- When a Supervisor/Manager is requested, they should have a process to connect someone with the Supervisor/Manager and not hang up on that person.
Product: Credit reporting

I was a victim of identity theft, I processed all the steps I needed to get these accounts removed of my report. It seem like Equifax consumer affair dept is handling my report at this time. I ca n't access my report online or received it via mail. I spoke to two specialists in consumer affairs ( XXXX and XXXX XXXX ) they told me it do n't matter if I gave them a police report, the creditor have to remove the accounts off my report. They were very ghetto and rude. I have been getting lied to repeatedly about my file. I faxed over the documents they asked for 3 times already and nothing is getting done at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reaching out to the CFPB for help regarding an account with XXXX XXXX that hat has caused me severe XXXX economic and XXXX problems. In XXXX I spend XXXX dollars with XXXX and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with XXXX. I reached out to XXXX explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments XXXX promised to reinstate my account. 
This agreement has been breached by XXXX. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but XXXX refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of XXXX XXXX has caused me the opportunity to qualify for a loan that would have saved my business and home. 
XXXX has shown no mercy and has refused to correct the error. XXXX has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.