23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The XXXX loan provider that I work with is Mohela I attempted to reach out to them after I had received a late payment even though every single month I pay a several days before the payment due date. When the payments were restarted back in XXXX it showed that I had a late payment again even after I paid several days before it. I had reached out to them seven times over 2 weeks and had zero response until later after that and even when they gave me a response it was all automatically done which didn't give me any idea of what happened. I had attempted to reach out to them to ensure that my credit would not be affected so that I would not be prevented from getting future loans or it affects any other purchases that I make long-term. They gave me an immediate response that was only telling me when my next payment is due and that I have nothing due but did not clarify if I had actually had a late payment and also if it would affect my credit score. They gave me zero indication of the question I'd ask and gave me what my next payment will be. And I had message him seven times plus attempting a response and all of them were pretty much automated to tell me what my next payment is and that I had nothing due but nothing to answer the question that I had asked ensuring that I would not be affected even if I had paid and had sent them exact dates and time of when I did pay and my history showed that I paid.

On a second note it also showed two different amounts of what I actually owed to ensure that I don't accrue interest or that it would affect my credit score based on a late payment. Several days before I had paid the amount that it said that I needed to pay for that bill and then when I got back and it said late payment it said a different amount that I owed for that. Of which I paid both amounts the previous amount and the amount that it technically said that I had a late payment.
Product: Credit reporting or other personal consumer reports

There are several loans reflecting on my XXXX credit report stating I have missed payments in which is being reported inaccurately. I have never missed a payment and this needs to be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a company must obtain written consent from me to report information that may negatively impact my XXXX XXXX. To my knowledge, the company has not received such consent from me. My XXXX and XXXX credit reports do not show this information and reporting this inaccurately is affecting my XXXX XXXX negatively. The following accounts are being reported falsely : DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$5500.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$3600.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX Acct # XXXX Balance {$5700.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$4500.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$10000.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$5400.00} Date Opened : XX/XX/XXXX ; DEPT OF XXXX Acct # XXXX Balance {$2300.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX Acct # XXXX Balance {$2200.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I ask Transunion to remove this account that was fraudulently open and dont belong to me an they not remove the accounts.
Product: Consumer Loan

XXXX LOANMART, Wheels Financial Group , LLC XXXX LoanMart ( " LoanMart '' ) operating out of XXXX CA, phone number ( XXXX was informed that the loan reported on my credit report was as a result of Identity Theft. For the past XXXX years, my credit report has a security freeze with instructions to call my cell phone before granting a credit. The people who keep using my social security number, have attempted several times to apply for the credit and those creditors who follow the instructions and have adequate policies and procedures when the security freeze is showing up, they all call me and I stop the process. I have never received any communication prior to granting this credit by the LoanMart nor have I authorized it. After I disputed this information, instead of reviewing their own file and identifying the gaps, LoanMart sent me a letter with XXXX items for me to provide : XXXX ) A signed copy of an Affidavit of Identity Theft == & gt ; there was nothing attached to the letter, which Affidavit would be satisfying for them? 
XXXX ) A copy of the police report ( matching the police report case number that I filed and already provided ) 3 ) a copy of my personal identification I have a problem with providing my personal identification as well as the police report to the company that does not have proper Customer Identification Program ( CIP ). Had they followed proper XXXX, they would identify that the person applying for the loan was doing so fraudulently. I have no confidence in this company that if I send copy of my ID and a police report, that it will be properly handled. Hence, I refuse to provide copy of these documents.
Product: Debt collection

XX/XX/XXXX I went to my mail box and retrieved my mail for my taxes I opened one letter with only a address that reads in large print Credit counsel It starts with " I see you chose to ignore your obligation! '' Then goes on to say I owe XXXX XXXX XXXX XXXX {$960.00} To which I email Credit Counsel in XXXX XXXX Florida explaining in detail the only connection with said medical company is due to workman 's comp back in XXXX of XXXX And that I have All of the documents proving it paid as the insurance company They threaten legal action in the letter 10 days after receiving their letter There is no documentation as to the physician treatment if the visit is in the med check or hospital I also shared a documented truth of Identity theft from XXXX XXXX g.m. of XXXX in XXXX XXXX who proved last XXXX on the XXXX an ex employee of their company used ALL of my identity working 3 years XXXX XXXX and 2 at another store leaving on very bad terms. XXXX shares that this is why I am not getting hired and for my bankruptcy XXXX So I have an ill feeling of all this and need your help in the matter.
Product: Debt collection

I attempted to call into Credit Collection Services as they were on my credit report. I am attempting to obtain a mortgage and my lender is requiring an official letter that is on letterhead and signed stating that if I pay off this debt that it will be completely removed from my credit report. I called in and spoke to a woman, she told me that there was a disclaimer online stating this and she could not help me. I then asked to speak to a supervisor, he was very rude and told me this is not something that they normally do, that I would have to get the disclaimer online when I am making the payment. I let him know that it was a requirement of my mortgage lender and they would not accept the disclaimer. He told me that I have had 2 years to resolve this issue and I should have thought about this sooner. I was not aware of this collections account until it was brought to my attention on my credit report. He then told me I would have to make the payment with him first and then he would put in a request to his legal team that " might '' get approved and would take up to 4 business days. He basically was asking me to buy the letter from them. I told him I would be more than happy to make the payment if that letter was provided to me first and I could not take his word that I would actually receive it. He then proceeded to cut me off and then hang up the phone. 

I spoke with a customer service agent and senior supervisor on XX/XX/2019 at XXXX at number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed inaccurate information listed on my credit report and asked for validation of the inforamtion listed on the report with XXXX, XXXX and experian. The accounts disputed were XXXX XXXX and XXXX XXXX XXXXXXXX returned a letter to me on XX/XX/year> stating the XXXX first was validated but they did not send proof of validation. They did not respond to the dispute of net credit, they did not address the dispute at all and it still remains on credit report. I have reached out to net credit numerous times and they continuously sale my information. I am never able to keep up with who has the account. I want both of these accounts removed off my credit report
Product: Credit reporting or other personal consumer reports

You, Experian is in violation 1- My previous dispute did not ask you for accuracy or validation.

2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 
3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( A ) XXXX ( B ) XXXX ( C ) XXXX ( D ) XXXX ( XXXX ) XXXX ( F ) XXXX ( G ) XXXX ( H ) XXXX ( I ) XXXX PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT
Product: Vehicle loan or lease

Notice, it is a fact, affiant is aware, CARVANA falls under both defintions of seller and creditor as evidence in subsections 16 C.F.R. 433.1 ( j ) and 16 C.F.R. 433.1 ( c ) Notice, CARVANA is in violation of 15 usc 1662 ( 1 ) which prohibits the need for a specific downpayment amount in order to obtain an extension of consumer credit. 

Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by CARVANA, violating 15 U.S.Code 1691 ( a ) ( 3 ) -- ( under title 1602 ( f ) credit is the right granted ) ( The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ) The instrument constitutes payment and CARVANA has opted to deny my rights to obtain credit without requiring a downpayment. 

Please be on the look out for mail with full list of offenses documented throughout the transaction.
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of XXXX is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # XXXX ; XXXX main goals are to balance the government & # XXXX, XXXX need for information with the rights of individuals to privacy. 
The Privacy Act of XXXX  : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # XXXX ; XXXX record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I never given no written consent to apply for anything. This is fraudulent activity on my report. Want all hard inquiries delete from my report. 15 usc1681b 15 usc 1681c-
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX Equifax and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is still being reported without my verbal consent or written consent.Please hold these companies accountable according to the law according FCRA 15 US Code 6801 15 US Code 6802
Product: Credit reporting or other personal consumer reports

I requested that my credit profile be unfrozen with the three major credit reporting agencies XXXX XXXX and Equifax. I contacted Equifax and XXXX online in XX/XX/year> to unfreeze my credit profile. I also called XXXX around XX/XX/year> to unfreeze my credit profile, I went through a series of security questions and I was told by XXXX that my credit profile would be unfrozen and furthermore XXXX would contact XXXX and Equifax to ensure my profile also reflects as unfrozen with the other two credit reporting agencies. I applied for credit on XX/XX/year> and was told by two different companies that the credit profile still remains frozen which indicates that these credit reporting agencies likely did not honor my requests to unfreeze my credit profile. 
According to the attached article also found hereXX/XX/traXXXX, XXXX although they did not admit wrongdoing, intentionally deceived consumers who asked for security freezes to be removed and XXXX was fined by the CFPB. If it was proven that XXXX wilfully deceived consumers in reference to not removing security freezes as consumers requested, I do not rule out the possibility that XXXX and Equifax committed similar violations.
Product: Debt collection

If I do n't pay the monthly amount due on or before the due date, by XXXX XXXX. the next morning, they start blowing up my phone and will call 10-15 times a day from SEVERAL different telephone numbers. They have even called when I was at XXXX on a Sunday morning!!!!!! They also tried texting ( but I blocked that ) and send several emails which go to my spam folder!!!!!! They have even called my work telephone number and my references on my application when a payment is n't even 30 days late!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXXXXXX XXXX  ( credit card ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, XXXXXXXX XXXX Experian XXXX 
Please see attached document showing paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan with kashable 15 months ago. I have been making payments since then. 

They have added excessive fees and it should be investigated as a scam for innocent people who are being preyed upon by this company. I was given a loan for XXXX and received XXXX. Now they are saying I owe them over XXXX. I have paid over XXXX to this company and now they say I owe them over XXXX more. 

Itemization of Amount Financed : {$9700.00} 1. Amount given to you directly : {$8700.00} 2. Plus Amount advanced for the origination fee ( Prepaid Finance Charge ) {$460.00} 3. Plus Payoff of Current Loan ID XXXX : {$1000.00} 4. Equals Principal Loan Amount {$10000.00} 5. Less Prepaid Finance Charge : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies, Equifax and XXXX violated FCRA 611 ( 15 U.S.C. 1681I ) The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 

Equifax, XXXX, and XXXX violated FCRA 611 and 623 in investigating disputes on my credit report, XXXX and XXXX XXXX  These companies violated the Fair Debt collection Practices Act ( FDCPA ) XXXX15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Product: Money transfer, virtual currency, or money service

My boss had her Wells Fargo account taken over by fraud on XX/XX/year> and in the process they sent {$730.00} to me through XXXX. When they sent that money to me, she was in a Wells Fargo branch getting her account back and making a claim against the charges on her account. So when she did get her account back, I sent the money back to her but she had no access to it because of the claims she filed. Her claim was resolved on XX/XX/year> because that's when they reversed the original {$730.00} I sent back to her and pushed my account into the negatives. The original lady I talked to on XX/XX/year> through the ( XXXX ) XXXX number said that all I had to do was get the money back from my boss because that's where the money should be, but it was not. On Friday XX/XX/year> I called that same number again to make a claim. The claim was originally a fraud claim but turns out that wasn't the right category for it so they denied the claim on XX/XX/year> and suspended my account. I called on XX/XX/year> to see why my account was suspended but it turned out that they suspended it because of the claim but couldn't tell me any more. I asked about any updates on the claim because at that point, I thought it was still open, I didn't get the letter saying it was denied until XX/XX/year>. On XX/XX/year> they told me it was still open and active, it was not. I called on XX/XX/year>, the day following when I found out the claim was denied and talked to XXXX about it and he told me because it was not a fraud claim but instead it was a 'secure ' transaction because I sent it back to her even though she never received the money. They told me it needed to be under the category of money transfer instead and to which it is currently still being investigated. Whoever I originally filed a claim with on XX/XX/year> and XXXX, who I talked to on XX/XX/year>, both did not tell me it was filed under the wrong type of claim. Everyone I talked to through Wells Fargo could not give me a straight answer as to where my money went, when I'm going to get it back, and what was happening the whole time.
Product: Mortgage

Ocwen failed to pay my homeowner 's insurance on time for the 2nd year in a row. 
The employees of Ocwen could not figure out which address to mail the payment to, and chose to send the payment to the " Automotive '' address. The company sent them a warning letter saying the insurance was lapsed and asking for the payment. According to the agent here in town, Ocwen called him between 5 and 9 times today trying to figure out where to send the payment to. The Automotive branch of my insurance company sent a check to my home for the payment they were sent, so I now have the funds meant to pay my lapsed insurance on hand, but have not HAD insurance because Ocwen waited until the last minute to pay it and it lapsed already. 
If Ocwen expects consumers to PAY them on time, then surely they can PAY the required bills out of the escrow funds reserved on time as well, so that I, as a home owner, do not have to chase around trying to reinstate my insurance due to NO fault of my own.