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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I have a mortgage through XXXX XXXX XXXX DBA MidAmerica Mortgage. I called around the end of XX/XX/2020 to talk about forbearance options with the CARES Act. I was immediately transferred to Collections department and the agent was 'tough ' about letting the mortgage go into Forbearance the way we instructed. 
I told her I was experiencing financial hardships with my job and needed to go into forbearance- she wanted to know the specifics of my hardship! I kindly let her know the CARES Act doesn't say I have to divulge my personal detailed hardship. The rep immediately responded with " I need to know the specifics ... '' I just told her that my hours were cut. Her attitude changed from mean sales person to kind customer service. " I am sorry your hours are cut at work- and then instructed me to go into default! in order to be placed in Forbearance. I thought that was odd and again asked why we couldn't just go into Forbearance with my XX/XX/2020 payments? 
She told me that is not how it works- I would have to voluntarily missed one payment and put loan into default. Once in default, then they would be able to move my loan into forbearance and mail me my repayment options. 
I kindly asked her to clarify where she was getting that information, The CARES Act does not specify I would need to go into default, to go into Forbearance I only had to contact my bank verbally or email/note with my request and they would send a letter out with my agreement and payment options. 
She said No- I would have to purposely miss a few months payments, go into default and then call in every month to check in with her about my hardship. 
This did not sit well with me at all and I said Thank you let me think this over. 
I called again a week later, was immediately transferred to Collections again and given the same false information and pressured to make an uneducated decision. I reached out to my Mortgage Broker and he mentioned that by going into default as the state of our loan during Forbearance will create more chaos and the loan needs to stay in 'Current Status '' I emailed the company again with my information and request of Forbearance to begin XX/XX/2020 and have not heard anything back from them. I DO NOT want to go into default to take advantage of the CARES Act these are unfair and deceptive tactics and tricks to make the consumer have to pay more in the long run.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun needs to provide how they verified to XXXX  dispute XXXX and XXXX XXXX, if they are sending a numerical code back to the credit bureaus through the E-OSCAR system this is not a accurate and complete verification and the account needs to be deleted immediately. Please provide what method of verification under section 623 A under the FCRA through the cfpb portal. Marking complaints as duplicates is further violation under the fcra noncompliance penalties!
Product: Money transfer, virtual currency, or money service

When making a transaction in a foreign currency, PayPal offers the options of allowing PayPal to convert the currency ( at a markup ) or allowing the consumer 's card issuer to perform the currency conversion. When I tried today to make a payment of XXXX Euros, I was quoted a rate of {$610.00} USD by PayPal. This was much higher than the {$590.00} using the bank exchange rate. When I attempted to change the option to within my PayPal app to allow my issuer to perform the currency conversion, the option was not accepted and continued to revert back to PayPal for conversion. In reading online forums, I see this " bug '' has been occurring for years. I needed to log into a browser to be able to change the currency conversion selection. 

Consumers have notified PayPal via those forums, so I must believe that PayPal has not fixed the problem as it is profitable for them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate personal information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing me considerable inconvenience and potential harm, and I request its immediate correction or deletion. 

**Accurate Personal Information : ** - **Name : XXXX XXXX XXXX XXXX XXXXDate of Birth : XXXX - **Social Security Number : XXXX - **Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX This is the only correct and accurate information that should be reflected in my credit report. 

**Disputed Information : ** The personal information currently reflected in my credit report, which differs from the accurate information provided above, is incorrect. I demand the immediate deletion of any inaccurate or outdated information, and the rectification of my credit report to solely reflect the accurate personal information as listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., consumer reporting agencies are required to maintain accurate and complete information. Specifically, Section 611 of the FCRA provides consumers with the right to dispute inaccurate information, and obligates credit reporting agencies to investigate and correct such inaccuracies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I am at my wits ' end with Experian, trying to lift a long term credit freeze. 

1 ) On XX/XX/18 printed and mailed this online form from Experian to lift the fraud alert from my credit file with them : XXXX XXXX XXXX 2 ) I subsequently received a letter dated XX/XX/18 from Experian saying THAT THEY WERE PLACING A FREEZE on my credit file - THE EXACT OPPOSITE OF WHAT I ASKED FOR.

3 ) I then received a letter from Experian dated XX/XX/18 saying that they would unfreeze my file if I mailed them certain documents as proof of ID and residency, etc. 

4 ) I sent a letter with the documents and information Experian requested on XX/XX/2018 5 ) I  then received a letter from Experian dated XX/XX/2018 enclosing a credit report but with NO INFORMATION OR CONFIRMATION THAT THEY HAVE COMPLIED WITH MY REQUEST AND REMOVED THE FRAUD alert. 

Experian 's apparent incompetence is honestly getting farcical and impossible to work with : A ) They make it next to impossible to call them ( there is no phone number on their website and never any phone numbers in their letters ) B ) I have spent appreciable amounts of money snail-mailing them repeatedly via certified mail. 

C ) I need to apply for a credit card and the fraud alert is impeding me from doing so. 

Action Required : i ) Remove the fraud alert as requested ii ) Send me a letter confirming this has been done iii ) Send me {$30.00} to cover my mailing costs to them.
Product: Checking or savings account

I'm currently a victim of a scam. 

Here 's the story : On XX/XX/XXXX, I got a phone call from a gentlemen posing as a Bank of America representative, informing me that I was currently a victim of fraudulent activity. 

Because I bank with BOA and the fact that he was able to call my phone, using a number that is linked to BOA, I panicked and began following the instructions he provided. 

He told me that a money transfer for the amun of {$3500.00} was being scheduled through XXXX, from my savings account, to an IP address in XXXX. He then said in order to stop tue transfer from happening, I would have to empty out my savings account, which had a total of {$2300.00}. He said that my funds would be sent to the customer service manager of XXXX ( who was " handling '' my case ), until the investigation concluded. After which point, my funds would then be transferred back to my account. 

Long story short, it turned out to be a scam and my savings was wiped cleaned. I opened a claim with BOA the following day and they said that the contingency on getting my money back, would be based upon whether or not they are able to retrieve the funds from the financial institution, that my funds were sent to. Needless to say, I was very unsatisfied and unsettled with that response and the case is on-going. I have a strong feeling that I will not be getting my money back. 

I understand that this is partially my fault, as I didn't do my due diligence initially, by gathering more information before just handing over my money. However, I feel that there is space for Bank of America to hold accountability as well. The mere fact that someone was able to call my phone using a number that is linked to the financial institution that I Bank with, is a problem. 

I need this incident reported and I'm hoping to receive my money back.
Product: Debt collection

These companies are constantly opening the collection account and then removing it, do whenever I try to improve my credit they open the collection and then my credit goes down. I have asked them alot of times to stop calling me and stop doing this but they still keep on calling me and disturbing me mentally by adding and removing collections again and again. Same thing with the auto loan company even when I returned the car voluntarily in just 4 months of usage the car which was XXXX $ they sold for less and wants me to pay XXXX on that. They are doing the same thing by adding and removing the collection to XXXX XXXX XXXX
Product: Debt collection

Hi there, My husband and I applied for a home loan and unfortunately my credit came back poor due to a collections account from Jefferson Capital Systems. We have not been given enough information to know whether or not the debt is real or how to verify the details of the debt itself from Jefferson Capital Systems or XXXX, who apparently was the original debtor. 

The details fo the debt are below : Jefferson Capital Systems - Opened XX/XX/18 - Balance {$560.00} - Origination XXXX XXXX I am requesting a debt verification from Jefferson Capital Systems as my husband and I do not understand where this collections trade line came from. 

Thanks
Product: Mortgage

Nationstar continues to tell us that there is no scheduled foreclosure sale date on the subject property, however, the borrower received a notice of trustee sale. Today, I talked to Nationstar and was told that once again there was no notice of sale. I called the trustee company and much to my surprise, the trustee company is owned by Nationstar. This trustee company said that they have not recently been specifically told by Nationstart mortgage to foreclose, however,. the file had a notice of default filed in XXXX and therefore a notice of trustee has followed. There is NO DATE on the Notice of Sale, NO SIGNATURE on the notice and NO RECORD OF RECORDING the notice on title. It was simply POSTED to the borrowers door.
Product: Debt collection

This company ( LVNV Funding LLC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name XXXX XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Product: Debt collection

This letter is being sent to you in response to the above reference account that Enhanced Recovery Company has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Enhanced Recovery Company for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America closed a credit card I had with the bank. The card is closed and they are still reporting as if it is open.
Product: Debt collection

Several related complaints : 1. XXXX , XXXX purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for XXXX , XXXX. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
3. Mandarich Law Group somehow became the new debt collector, taking over for XXXX , XXXX. in the collection process. 
4. Mandarich Law Group began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XX/XX/XXXX I spoke to Mandarich Law Group and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked Mandarich to note my account with the following information : The payment for {$250.00} that was received on XX/XX/XXXX must have been from my XX/XX/XXXX paycheck. On XX/XX/XXXX and XX/XX/XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.
Product: Student loan

Here is your letter with todays date : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Request for Account Information and Refund Details Dear XXXX XXXX XXXX XXXX XXXX, I recently received a notice confirming the discharge of my federal student loans under Borrower Defense, specifically related to my attendance at XXXX XXXX XXXX XXXX. The notice states that my remaining loan balance will be discharged, and I will be refunded for any payments I previously made to the Department of Education for these loans.

I am requesting a detailed breakdown of my account, including : 1. The total amount of payments I have made toward these loans.

2. The timeline and process for receiving my refund.

3. Any additional steps I need to take to ensure my refund is processed correctly.

4. Confirmation that my discharged loans will be removed from my credit report.

I would appreciate a prompt response outlining these details. Please let me know if any further information is needed from my end. You may contact me via phone or email at your earliest convenience. 

Thank you for your time and assistance. 

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

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to address a problem with my credit scores, and the credit report agencies that report those scores. the biggest problem is my FICO. 
Transunion, XXXX, and XXXX FICO scores are also affected.

Believed Negative Credit Profiling I understand that credit scores can vary widely by company and race. This is factual. 
For example, in XXXX, the average FICO score for XXXX in XXXX  communities was XXXX, compared to XXXX for XXXX communities and XXXX for XXXX communities. 
CREDIT CARD DEBT BY RACE XXXX % carries a balance among cardholders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX While I carry less than XXXX % of {$50000.00} PLUS- in credit card availability, with an XXXX XXXX XXXX XXXX XXXX card at my disposal in my company name, and documented on-time payments for SEVERAL YEARS, the credit agencies ( FICO BEING THE MAIN ) have my credit score remaining in the mid to upper XXXX. 
This I suspect is negative credit profiling based on my race. 
If I spend less than $ XXXX of my available XXXX in credit card availability, with an income of over $ XXXX per year, why are my numbers held so low? Most debt except for my automobiles is paid in full at the end of each month, similar to a net XXXX account. When my numbers rise, at best they rise marginally.

THE BOTTOM LINE Average credit scores in the U.S. differ by race, age, and other factors. At least part of that concerns the factors that go into computing credit scores and how those factors are weighted, which tend to benefit some groups more than others. It appears that my credit score is suffering because of one or more of those factors! 
Attached are snapshots of my statement/payment profiles for various open accounts. 
I ask that the CFPB investigate this matter to maintain fair credit reporting. 
Thank you in advance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a active fraud alert on my account and currently I have XXXX inquires with XXXX and XXXX with Equifax. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.
Product: Mortgage

SLS Loan # XXXX : I approved a loan modification on this loan too pay {$910.00} starting XXXX. However, each month my payment amount has been over {$910.00} but I am still not current. I am told that my monthly payment is now {$1100.00} per month over {$200.00} more than the agreed upon amount. FRAUDS : like these are an ongoing problem for XXXX Borrowers & over the last 10 years I have complained about these crimes to your organization commited by XXXX XXXX XXXX, XXXX & SpecialiZed Loan Servicing. IF, there are any Consumer PayOUT , I $ hould be XXXX $ T in LINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. ATTACHED FRAUDULENT XXXX STATEMENT