23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled extremely sensitive identity information. When a data breach occurred affecting me, I found out via the news. Equifax made no attempt to call, text, or email me with this very important and time-sensitive information ( despite clearly having the necessary information to do so ). 

When attempting to use the company 's offer of credit fraud monitoring service, the terms-of-service require opt-out of legal rights to join a class-action suit. Since joining a class is a very reasonable and likely remedy for me to recover damages from Equifax 's actions, this clause negates any value offered via Equifax 's proposed remedy. XXXX
Product: Mortgage

SLS - XXXX XXXX XXXX denied recent loan modification on XX/XX/XXXX after referral from Attorney Generals office affiliated community agency. The home modification affiliated agency attempted to assist me. SLS had promised me last year and in XXXX that they would give me a modification with a lower interest rate of 2 % and balloon payment at the end, when I was struggling with work related injuries, discrimination since XXXX at work resulting in a civil case filed last month. SLS stated I owed {$190000.00} dollars and total principle is {$570000.00}. I had chapter XXXX filed. In XXXX. 
I contacted Hope program on XX/XX/XXXX after getting the loan modification denial from SLS. Hope program told me that my loan was neither generated from XXXX XXXX or XXXX XXXX and referred me to a Hud affiliated agency on XX/XX/XXXX. The Hud Agent took my income information and found a surplus of over $ XXXX monthly and was surprised I had been denied a modification by SLS. 
The Hud affiliated Agent got my permission and made a 3 way phone cal, to the SLS Representative in attempt to assist. The SLS was arrogant and would not budge and kept saying that I had an interest rate of 2 %, to which I replied no, my interest rate is currently listed as 4.75 % on all bank mortgage statements from SLS. The SLS agent then resorted to mentioning a supposedly prior modification done in XXXX which had fluctuating integrate from2 % during first year to 3 % ; to 4 % and then kept climbing. 
I told the Gentthat SLS had not been honest and led me to believe that I qualified for a loan modification after completing my Chapter XXXX plan / discharged in XXXX in a very satisfactory manner. They ( SLS ) waited and dropped the terrible news of a loan modification denial and they are sneaky about what they are actually planning to do so that time lapses. I have lived in the home for XXXX years and worked hard prior to my work related injuries and now I have a good income to cover all expenses with more than a {$1800.00} monthly surplus. I have 2 cases related to my work injuries in state court and 1 in federal court. Please help me and my family. Thank you. 
Conclusion : SLS can show their commitment to serving communities and struggling home owners by following through with their promise to modify my home. Just because I received XXXX loan modification by a different servicer, XXXX then XXXX XXXX XXXX, should not be a factor according to law. It has been more than 8 year to date. Their terms can be looked into so that they lower my interest rate to 2 %. Deceptive practices hurt communities and the very foundation of building our lives from the bottom up through hard work.k
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX  # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023 I sent Lexis Nexis a letter described as " Method of Verification '' to see who furnished my information about a Bankruptcy without my consent and the culprit was XXXX. I had not given XXXX my consent or permission to furnish any type of personal information. As a consumer I have a right to privacy and the right was violated. This information has also damaged my character, reputation and credit worthiness by not being able to obtain additional lines credit due to this Bankruptcy.
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 XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/2021.
Product: Debt collection

I recently pulled my reports and noticed you are reporting the incorrect balances, and company names for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because the balances and company names being reported by XXXX, XXXX and Experian are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax hack has resulted in my personal information being released into the public domain. I 've attempted a credit freeze with equifax, however both phoning and web attempts to freeze my account have been unsuccessful. The phone number provided by their website does n't actually offer the option to freeze my account, and the website does n't load.
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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXXXXX-Date of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all three major reporting credit bureaus and the company reporting the account advising the account and information reported is in violation of 15 U.S. Code 1679c. The account has been disputed numerous of times and has not been removed from my credit report. This company reporting the account is being unfair and attacking my livelihood. It's a defamation of my character and violate the retention of compliance records for age of reporting. The close account should no longer be on my credit report according to the federal government code listed above.
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. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXXXXXX Account # XXXX has violated my rights XXXX Account # XXXXXXXXhas violated my rights XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights XXXX Account # :XXXXhas violated my rights XXXX XXXX Account # : XXXXhas violated my rights Bankruptcy Reference # : XXXX violated my rights DPT EDXXXX Account # : XXXX violated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated my rights DPT EDXXXX Account # : XXXXviolated 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.

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 information is inaccurate.
Product: Mortgage

Iberia Bank increase the amount of my escrow by an incredible amount. I call customer service and also went into the local XXXX, La. Branch to get an explanation, but no one could or would give me and answer to the increase. I was informed to just continue to make my regular monthly payment until the matter could be sorted out. My credit to a big drop in XX/XX/XXXX and when I check it, I found out that Iberia Bank had charged off my mortgage in XXXX of XXXX. I did not receive any notification of such and event. According to the charge off date and the delinquency date on my statement, I was 3 month delinquent, when the full charge off when induced. I was offered no aid or help in trying to get this matter resolved. I am asking CFPB to aid me in getting this matter straight so that I may get my mortgage back into a current status.
Product: Student loan

Sent a dispute on XX/XX/2019 requesting validation and hearing regarding a letter I received from PHEAA threatening garnishment. I received a response back on XX/XX/2019 with proof that the debt is not as much as being reported on all three credit bureaus. PHEAA is reporting my balance as {$55000.00} I received a statement only showing {$29000.00} and that amount I do not feel I owe. No printout of interest, no breakdown of classes I had taken showing why my balances are {$29000.00}. My credit report is not accurate, and I requested correction a fair hearing to make the adjustments as necessary. ( This account is for the Puerto Rico division only ). 

Also, in my letter I sent a request to no longer contact me by phone and I'm getting constant phone calls still by personal. Violation of Cease and desist as given in my last letter. 

Please see attached letters to this file. 

POA on file for my acting agent, XXXX XXXX.
Product: Debt collection

AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC. I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA violations such as : section 806. Harassment and abuse section 807. False or misleading representations section 808. Unfair practices
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 my bank account was debited by acecashexpress.com 3 times for a payday loan I wanted to pay off. The company charged me {$900.00} for a debt of XXXX. Due to the companys actions, my account has been short XXXX which has negatively impacted my funds available. I have also suffered multiple overdraft fees due to this company 's error. Working with the company to resolve this issue has been difficult to say the least. 
Today ( XX/XX/2018 ), the company sent me notice that they in fact made an error on my account. They Company stated that they will refund the {$60.00} they have taken in error in 24-48 hours but would not address the overdraft fees accumulated as a result of their mistake.
Product: Mortgage

My old mortgage company sold the loan to a new company they included charges for things legal fees and inspections that I never agreed to pay for in mediation. Now I 'm being hounded and my mortgage has gone back up
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other unkwown addressses they are not correct. I have a inaccurate Social Securty number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX please remove the extra name from my credit report. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Following addresses need to be deleted : 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 card or prepaid card

XXXX XXXX These are the two numbers they are calling from to scam credit cards. They instructed you can get 0 % APR. They ask for card expiration date, last four numbers of card and last four numbers of social security number. Also if you have any additional cards. 

When they couldn't get anything after I hung up, they called from another number. 

Thank you for allowing me to report. This was in reference to Discover. I will notify them. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fail to update information timely and accurate information is available for the consumer
Product: Payday loan, title loan, or personal loan

They charged 4 times loan amount. My spouse took loan out in my name and i been disputing every since divorce
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my XXXX XXXX report they are not mine please delete them ( 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 Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in hopes that the CFPB can help me finally resolve this dispute. I received a copy of my XXXX and XXXX credit report and noticed a few discrepancies with how Avant is reporting this account to XXXX and XXXX. I've asked Avant several times to correct my report but they have continuously refused to report this account accurately. 

This account was paid in a settlement on XX/XX/2018. There are several discrepancies with how Avant is currently reporting this account to XXXX and XXXX. I am requesting Avant to thoroughly investigate the discrepancies of how this account is reporting to XXXX and XXXX or delete the entire tradeline which contains discrepant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

Received a dept collection hit for a cable company bill. I have never used this cable company
Product: Credit card or prepaid card

I called Chase credit card customer support on Tuesday, XX/XX/XXXX to request a refund for a round-trip airline ticket from XXXX to XXXX for XXXX XXXX XXXX XXXX XX/XX/2022 returning XX/XX/2022 ) in the form of points. I was told I could refund my airline ticket for points and the representative then proceeded with the refund. 

When I called Chase credit card customer support on Wednesday, XX/XX/XXXX to check the status of the refund I was told the ticket is not eligible for a refund and it was instead processed as a cancellation without a refund by the representative on the XXXX. The representative on the XXXX then checked the recording of my conversation with the representative on the XXXX to confirm whether it was communicated to me that the ticket was eligible for a refund. The representative on the XXXX confirmed that the representative on the XXXX told me it was eligible for a refund and the they would call me back. I never received a call back. 

I then wrote a formal compliant through my online Chase account describing the incident above and requesting the refund I was told I would receive. I received an electronic response on XX/XX/XXXX in the form of a letter ( attached pdf ) that stated " we could not locate the transaction information you requested '' and " we have closed your request. '' Chase appears to have a record of this incident because they are able to retrieve it's history when I call them. This includes the ability to retrieve recorded conversations of their representative confirming the eligibility of and processing my refund. 

Chase is not only failing to acknowledge misrepresentations made by their representative, but they are also failing to process my refund, they cancelled a ticket worth hundreds of dollars without my permission, and they are now claiming to not have any knowledge of the incident.