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

In XXXX of XXXX, I purchased an XXXX XXXX as part of my XXXX XXXX. 

One year later, XXXX of XXXX, I paid the phone off early and moved my service to XXXX. 

Unbeknownst to me, XXXX continued billing me $ XXXX for data charges for the remainder of XXXX with the final balance being {$230.00}. These bills were being sent to an old XXXX address that I was no longer using so I was unaware of the charges. 

In XXXX of XXXX, XXXX moved the account into collections at IC System. 

After being contacted by IC System, on XX/XX/XXXX, I paid IC System {$230.00}. I paid the amount IC System said was due to XXXX and was informed that the account was paid in full. At that time, the account was not showing up on my credit report. I received documentation from IC Systems stating the XXXX account balance was XXXX. 

In XXXX of XXXX, I saw that I had a collection from XXXX for {$2.00} on my credit report. I contacted XXXX, was told there was still an outstanding balance, even after IC System said the balance was paid in full, and I paid them {$2.00} at that time. The {$2.00} plus the previously paid {$230.00} equals {$230.00} which was the amount of my final bill from XXXX that I just recently found in my old XXXX email account. I dont know where the disconnect was between IC System and XXXX on the amount due but it has caused nothing but issues for me. IC System collected the wrong amount and XXXX put the remainder ( {$2.00} ) on my credit report. 

It was in XXXX of XXXX that XXXX first re-aged my account on my credit report. At that time, it had been appearing as a charge off dated XXXX of XXXX. After I paid the {$2.00}, they changed it to XX/XX/XXXX. 

Although I paid the full {$230.00}, the account is still showing on my credit report as legally paid for less than the full balance. 

Im working on getting a business line of credit and need to have this XXXX collection removed off of my credit report. I contacted XXXX and asked for a goodwill deletion. I had been a customer for many years, never in collections, and paid the amount that was due after the account was closed immediately upon learning about it. 

XXXX replied back declining the goodwill deletion and stated that the payment I made was made in response to a negotiated settlement offer. Not true. 

Just this past week, I am seeing that XXXX has once again re-aged the charge off. This time it is appearing as XX/XX/XXXX making it look like a fresh charge off.
Product: Credit reporting or other personal consumer reports

hi good afternoon My name is XXXX XXXX XXXX and i have not make credit report more 10 year and isee that have lot inquiries on my file that i see see credit card that i never apply for one other information someone stole my identities and make report to IRS about it but i still have information on my i have student loan yes i due have that and car payment i don't have XXXX XXXX  i sale my car to other dealership and i don't own money to this companies and i send full report to you can see if remove
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : XXXX. Account Name : XXXX XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account XXXX : XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account XXXX : XXXX XXXX Date Listed : XXXX. XXXX, XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXXXXXX XXXX the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

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

There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX  has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Product: Student loan

It took almost 10 years to be able to enter the rehabilitation program since NYS Higher Education Services would not agree to a reasonable monthly " good faith '' payment in addition to the 15 % of my salary they were already garnishing even after the rule were changed a couple of years ago. They would also periodically sell my loan to other companies such as XXXX who also would n't offer a reasonable payment. When I offered a affordable figure they denied it again even after providing my financials AGAIN so I threatened legal action as it benefits them to keep a loan in garnishment. They make THOUSANDS in fees and not one penny is paid toward the principal. I have been paying this loan for 20 years ... yes 20 years and most of what I have paid has not been applied to the garnishment. ( The loan is now MUCH MORE than it was when it began 20 yrs ago ) This finally made them agree to the monthly amount I suggested and they advised in 5 months of payments they would end the garnishment. So 5 payments were made and on XX/XX/XXXX I was told papers would be sent to my employer advising them to stop the garnishment. 4 phone calls,3 customer service people and a supervisor and it took 6 weeks to actually get that letter faxed. The letter was then dated on the day it was sent ( XX/XX/XXXX ) instead of dated XX/XX/XXXX like it should have been. The garnishment was never stopped and now I ca n't get an answer to when they will repay the {$800.00} or so dollars that was garnished and should n't have been. They are not in compliance with the program. NYS HESC is possibly the worst lender to deal with. I 'm not sure how any of this is legal and why the government allows students to be XXXX this way. This loan will indeed outlive me. I am currently waiting to see exactly how long the reimbursement will take. It 's a bad joke really ... how many NYS HESC employees does it take to fax a letter??? ... answer:4. Yes, 4 people needed to be involved in printing and faxing a letter. 
We are expected to jump through all their hoops and comply with the program or we get kicked out and continue to live with decimated credit scores while they sit back and collect fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 15 USC 1681. 
Account : XXXX XXXX XXXXXXXX Account # : 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 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 inaccurate.
Product: Debt collection

The company is MCM They have threaten to take me to Court that they might have to get a lawyer involved and they always call back to back. I have even gotten call late in the evening.
Product: Mortgage

My name is XXXX XXXX, and my loan is being serviced with Selene Finance as listed above. Please be advised that I refinanced my home via cash-out refinance through XXXX Mortgage in XXXX. 

My loan was eventually sold to Selene Finance in XX/XX/XXXX from XXXX XXXX. As part of my original loan with XXXX XXXX, I elected to waive the escrow requirement and elected to pay taxes and insurance out of pocket, which I had been doing since XXXX, long before the cash-out refinance with XXXX XXXX  XXXX 

In XXXX of XXXX, Selene Finance illegally, without my knowledge or authorization, created an escrow account and charged me monthly escrow charges amounting to {$1300.00} for taxes and insurance monthly. Once receiving the mortgage statement dated XX/XX/XXXX in the mail demanding the new total of {$2900.00}, I immediately called to advise them that I already paid insurance for the year and that I pay taxes annually out of pocket. 

Selene Finance ignored my request and has continued to illegally charge escrow funds. In order to avoid getting into arrears with my account, I paid the monthly payment. To date, despite multiple calls, and providing them with the documentation to stop the escrow payments ( which Selene advised me to do ), Selene continues to charge {$1300.00} in escrow paymentstotaling to be {$2900.00}.

Additionally, Selene representatives have repeatedly given us contradictory information. After I sent proof of coverage to Selene, they have claimed the following : to cancel the fire coverage on XX/XX/XXXX via letter, dated XX/XX/XXXX ( as you will see in the attached documentation ), to have refunded over {$10000.00} in escrow funds to the loan, which has yet to be reflected on any account balance statement sent to me directly via mail or email ( See Attachment A Letter from Selene ). 

On XX/XX/XXXX, I requested to speak with Customer Service, to which I was told I was being transferredbut instead was transferred to loss mitigation, for whatever reason. XXXX  in loss mitigation, the representative I spoke with, asked me why do you continue to pay if the amount is incorrect? This among many other comments made by XXXX in this recorded conversation, which he repeatedly mentioned, were inappropriate and irrelevant to my situation. My hopes were to clarify what the payment was for the month of XXXX. Because of the discrepancies in information Ive received since XX/XX/XXXX, I am still unclear on what my monthly mortgage payment is. I was told that the request to rectify the monthly payment was received and would reflect in the next billing cycle, which it still has not, to date. 

However, I will pay the {$2900.00}, in addition to the late fee today, in good faith and in hope that Selene will rectify this situation today, by refunding the escrow amount due to me, and reflecting the change in the monthly mortgage bill back to the original total of {$1500.00}. 

I hereby request an immediate investigation into fraudulent business practices and demand that Selene send, directly to me, the monies that were illegally charged to the escrow account. See the attached documents for further reference.
Product: Mortgage

Selene Finance is committing mail fraud. I informed you prior that this company changed my address and claim they did it to send all correspondence to my lawyer. I informed them I am no longer being represented by an atty, yet they continue to send my mail to him. They also said they needed something in writing, therefore I sent them correspondence informing them I am no longer being represented, yet they claim they did not receive it. Attached is the USPS info letting me know it was received on XXXX XXXX, 2016 at XXXX. The letter should have been signed for, per my post office mailing instructions. I have contacted the postal service to find out why no signature was listed and no return receipt mailed to me. I plan to pursue Selene with legal charges if they do not cease from sending my mail to another address. I believe they are doing this to Foreclose on my home without serving me notice and giving me due process.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification from the XXXX credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

Account name : XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name XXXX XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

Account name : XXXX Account number : XXXX In accordance with the Fair Credit Reporting act XXXX, Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.
Product: Credit reporting or other personal consumer reports

I learned my identity was stolen last year. I put in place credit freezes, fraud alerts, reported to identitytheft.gov and all the things. I did not create online accounts with the three credit agencies, I interacted over the phone. It appears that fraudsters may have created or attempted to create an online account using my identity with TransUnion but not with other agencies. 

My main issue is that many organizations, not just TransUnion, are using identity verification questions that ask me to match names and addresses. Since my identity was stolen there are lots of names and addresses associated with my identity that I have never heard of. Increasingly I am unable to answer the verification questions because I do not recognize the addresses and so can not answer correctly. TransUnion uses these identity verification questions to create an online account and also to call an agent on the phone. I can not get through the questions so I can not do either of these XXXX things. 

I used online chat with a TransUnion agent XXXX  to try to get my inability to create an online account solved. In the end I was told to email a photocopy of XXXX photo IDs to an email address. I had to type the address by hand and out of fear that I might make a mistake, I did not attach the photo IDs but explained the problem so that I could open a ticket. If I got a response from the company asking for photo IDs I would then send them. I never got a response from the company. It's unknown to me if a ticket was opened or perhaps if it was opened they are now interacting with an identity thief or perhaps I mis-typed the email address and did not open a ticket. Meanwhile as I am trying to solve my problem I received phishing emails that appeared to come from TransUnion telling me fraudulent ways to solve my problem ( click a link, open an attachment ) as well as security codes that appeared as if someone who is not me was trying to log in. It appears that fraudsters are using my identity and impersonating TransUnion to further steal identifying information about me. 

The overarching issue is that these identity verification questions favor the XXXX, not the innocent. I have almost been locked out of my retirement account because of these questions. The CFPB needs to do a whole lot more to incentivize solutions to identity theft that don't place all the burden for understanding complex systems on the consumers. I am now not able to manage credit freezes with XXXX of the XXXX credit agencies, I have been unable to solve the problem, and this leaves me vulnerable.
Product: Credit card or prepaid card

Last year I keep received the messages that I open an XXXX XXXX card and spend some money with it. But I never know about this card. Later, I call the XXXX XXXX Customer Service and talk with the supervisor about this situation.The fact that the supervisor/manager already said that I am not responsible for the bill as it was a fraud and I never opened a XXXX XXXX credit card two month ago, and the XXXX XXXX report doesn't even list that credit card nor bill, so why are they asking you to pay. 


But now they still send me this bill makes me really annoying!!! 

And I think XXXX XXXX company stole my information to make profits like that. This behavior is really evil and torture me with this kind of bill for all most one and half year. 

Please help me with this kind of Situation.
Product: Money transfer, virtual currency, or money service

Literally fell asleep last night with cash app open on my phone woke up this morning to a message that says routing and account number has been disabled therefore eliminating my direct deposit however I did not have direct deposit set up I never started to set up or even asked for it but when I woke up this morning and seen that my account was closed for no reason other than violating terms of service but no one knows what the definition of that means because it's just no one knows I also called customer service and that did not give me anywhere they told me that they could not provide the information for security reasons but I don't understand what security complications I'm imposing by asking why my account was closed. I then stated that I was aware that my calls being recorded for quality assurance and that I was reporting cash app to the cfpb as well that way it was then recording then the lady said we can't help you no more and hung up.
Product: Checking or savings account

This has occurred numerous times I do not have exact dates but this has happened over the years I have had accounts at Navy Federal and I have paid hundreds maybe thousands of dollars in fees. I have spoken to representatives who told me I didnt sign a document and send it back in that they sent to my app messages so they cant change my account unless this form is signed and returned. This went on for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 4th time! transunion from XX/XX/2019 to XXXX XXXX that I see this happening, I want to know how is this possible for someone to intercept information from the bank, for someone to intercept information from XXXX, an altered at the credit bureaus Data. Md law says I have the right to ask the name of the person who does the investigation. ( ( ( ( ( ( And I do not need to know how credit works and Im going to not work. ) ) ) ) )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX 1. Navigated to XXXX XXXX to obtain auto-refinance rates 2. Entered information to identify myself 3. Upon completion of profile, I was asked to provide the LAST 4 DIGITS of my SSN a. This is the misleading part - although it appears I may have authorized them to pull my credit from the last of the terms, I DID NOT KNOWINGLY AUTHORIZE THEM b. See attached screenshots 4. Called XXXX XXXX - they say I did authorize them to give out my FULL SSN ( not last 4 ) to 5 lenders and those lenders could pull my credit.

This is an incredibly misleading practice. Provide LAST 4 of SSN and they go out and provide my FULL SSN to 5 lenders ...