23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I don't owe anything to EXPRESS COLL ( Original Creditor : XXXX SMART SALES LEASE ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Thus this account is duplicated and it is displaying on my account multiple times. Please investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Student loan

On XX/XX/XXXX, I met with a Legal Aid lawyer about my loan with XXXX. I am unemployed, and can not afford to pay this loan.I try my best to make ends meet to feed, clothe and house myself and my XXXX children, but paying this loan makes that impossible for me to manage. Legal Aid helped me to fill out a REPAYE application on XX/XX/XXXX which was faxed to XXXX, my servicer for my federal loan. At the end of XX/XX/XXXX, I received notification from XXXX that they could n't process my application for REPAYE because my loan was in " paid ahead/deferred status '' I contacted XXXX and cancelled the deferment. They still refused to process my REPAYE application, and told me I used the wrong form ( the one I  used was the official Department of Education form ) Because I received a bill that was due on XX/XX/XXXX, my attorney recommended I contact XXXX and have them put my loan in deferment/forebearance temporarily. When I called, XXXX told me that " the Department of Education eliminated the option '' to stop payments temporarily. This is ridiculous. XXXX seems determined to deny me my rights under federal law and DOE regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} - Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Im shocked on your current method of investigation into these 2 accounts screenshots below. For months now, I been trying to reach out to your organization to get these accounts corrected, removed, and deleted from my credit report. Its impossible that your organization investigated these accounts below because by law the account status should been updated, but for some odd reasons, it continues to report incomplete, misleading, erroneous info on this account. For example, why there are inconsistencies with different dates of last active, dates of last reported, dates of last payment, and different inconsistencies with the payment history. 

I have these questions if you already investigated : What is the 1st date of 1st delinquency with this account from XXXXXXXX XXXX XXXX? Why the account status is incorrect? Why the account type and responsibilities show LEASE and Joint, where it shouldve said installment sales? Why I never received 1099C on the chargeoff/collection account? Plus, on the XXXX XXXX account, why the payment history is so inconsistent showing 3 different dates of last active and payments and where one credit reporting agency shows I was not late for particular months, but the others show I was late 30/60/90 days..Why? Incomplete and misleading?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax Information Services LLC credit report, and I noticed some late payments posted on my credit report from XXXX XXXX Dates XXXX of XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Equifax Information Services LLC is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did not give Equifax Information Services LLC written instructions to furnish this on my report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/year> and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm overseas for a few months. I have accounts with Transunion, XXXX, and XXXX. I have questions that are not answered on their website. I am constantly advised to call them with questions and/or with fraud concerns both on their website and by no-reply email. The only phone numbers they provide are 1-800 type numbers. I have been trying for the last week beginning about XX/XX/XXXX till now to find some way to reach them with no success. I believe there is no way.
Product: Debt collection

I was wrongfully XXXX and sent to ABILITY RECOVERY SERVICE, they held me in a holding room for 3 or more hour against my will. They didn't provide me with any documents to advise me of my civil rights. I refuse to provide them with any medical Insurance information or sign any documents. So they sent me to another facility called XXXX XXXX XXXX 

XXXX XXXX XXXX provided me with documents the next day, so I filed a Witt Of XXXX XXXX, then they evaluated me and declared I had no medical condition in order to keep me there. So the XXXX 's apologized then released me and stated there will be no charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card balance down almost 2 months ago and Equifax hasnt updated my balance since XX/XX/ 2017. This is preventing me from purchasing my home which i was scheduled to do so within the next few weeks. They are saying they verified my balance and my credit union says they havent. The other two bureaus has since updated my correct balance but Equifax refuses to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  , I requested verification of debt a nd two late p ayments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FD CPA 807 [ 15 USC 1962e ] this is a  violation
Product: Debt collection

On I discovered ( MRS BPO , LLC. ) had been re-inserted into all my three credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. Upon reviewing my credit report from [ name of credit reporting agency, e.g., XXXX, XXXX, XXXX ] on [ date ], I noticed inquiries that I did not authorize. These inquiries negatively impact my credit score and overall creditworthiness.

I did not provide consent for these entities to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only occur with my express authorization or for permissible purposes as outlined in the Act. 

I request that the CFPB investigate these unauthorized inquiries and take appropriate action, including directing the credit reporting agencies to remove these inquiries from my credit file and addressing any violations by the entities that made the inquiries. 



Thank you for your prompt attention to this matter. Please inform me of any progress and actions taken regarding my complaint.
Product: Student loan

I am a XXXX. I have been harassed for literally years by loan collectors. I have been in school, continuously, for the past several years, and I am in deferment on my student loans. I have received a threatening message, yet again, claiming my loans will go into deferment. I have filled out multiple forms with every loan provider I have ever had, with the proper documentation, showing that I am supposed to be in deferment. I have done this at least four times in the past six months with hard copy forms, and several more electronically and via email. I have paper records, and electronic records of such communications. AGAIN, I AM IN XXXX, AND HAVE BEEN CONTINUOUSLY, WITHOUT PAUSE, XXXX, FOR THE PAST SEVERAL YEARS. I AM REGISTERED FOR CLASSES XXXX. 

I 'm extremely tired of being threatened and very tired of filling out forms for deferments, only to have another threatening collection letter sent to me a month later. I am a XXXX, and after my health insurance is taken out of my paycheck, I make just under {$800.00} every two weeks, ten months a year. I XXXX each semester, and take classes as a student myself. I 'd really like to not do this for the entire time I 'm working XXXX. I also can barely afford to live as is, please stop threatening to garnish my wages and seize money from me, etc.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my loan documents my loan amount was for {$310.00} and I was debited out of my account for over {$1800.00}. 
Email sent to XXXX on XX/XX/. 
I also can not access the online portal anymore.
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 UCS 1681 1. XXXX XXXX XXXX  # XXXX Has violated my rights 2.US Dept. Of Education # XXXX has violated my rights XXXX. XXXX XXXX XXXX # XXXX violated my rights 15 U.S. Code 1681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge.

15 U.S. Code 1681c ( a ) ( 5 ) 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. 

15 U.S. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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

I had 5 missed calls from this number. My cousin called back to see who it was and rep mentioned a medical debt concerning my daughter before ever verifying if she had the right person on the line. After verifying the last four of my social the rep told me about the debt and asked if I could settle for 50 % off. I asked when she got the debt and she told me XX/XX/XXXX. I moved to TN and didnt know that this debt was ever in collections and I felt pressured to pay a settlement because she told me she wasnt sure how long the settlement offer would last. I told her I had to call back because I was embarrassed I had to deal with this while my cousin who I just moved in with was with me.
Product: Credit reporting or other personal consumer reports

The Bankruptcy reporting in my account should be remove as it is inaccurate representation! This is against the FCRA! I have been disputing this for almost a year now and yet no result from Equifax! This is against the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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
Product: Mortgage

Homeside financial has contacted me to refinance my property around XX/XX/XXXX. I did not initially contact them. I informed them that I had a potential problem on my credit and that I had I had some urgency because my second mortgage was going to expired on XX/XX/XXXX and I would have to pay a renewed fee of {$1200.00}. I had provide them all of their requests and financial information for their review and approval in a timely manner. They told me that they could resolve my credit issue and refinance my property. In addition to that I told them that I would not pay for the appraisal until I am fully complete approved.They promised that they would complete my application on time and that I would be approved quickly after a initial review on my financial and credit report. They would always reply to my communications stating that everything were under control and that I should be approved soon and they requested me to pay for the appraisal. They have also changed to at least 3 different people handling my application - XXXX ; XXXX ; XXXX XXXX. Now we are on XX/XX/XXXX,  They are not longer returning my communications. Fortunate I was able to get an extension to pay my second mortgage renew from XX/XX/XXXX till now end of XX/XX/XXXX but I had to pay {$1200.00} to renew last week. I am also asking Homeside my appraisal refund. They are completely ignoring me at this point. Before I move a civil lawsuit against them I want to try to make a formal complaint with you. thanks for your assistance.
Product: Checking or savings account

On XX/XX/2021, I opened an online savings account with CitiBank to potentialluy yield a much higher interest on my savings. 3 months after having the account, CitiBank decided to close the account without any warnings. I immediately contacted CitiBank customer service to rectify the issue. Customer service pulled up my information via account/bank card number and verified my information. After reviewing my account information they informed me that the account has been closed and is under further review and can not discuss any further details, and immediately hang up the phone. it's been going on 4 months now and I still have not received any notice or update from CitiBank regarding my account or refund of the funds that was in the account. every time I call customer service it's the same situation. once they pull up the account they hang up the phone after letting me know that they can not discuss the account This is very frustrating because I had over $ XXXX in the account that I no longer have access to. I feel like I've been robbed by the ones whom I've entrusted my money
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, I received a collection call from Mariner Finance which I have a loan with that it almost 30 days past due. The agent XXXX called to see if I would be interested in filling out an app to refinance my loan to get an extra money and to update my account to current. I refused starting that since I was unemployed I did not want them to run a credit app on me because I wanted to ensure I didn't have any extra credit dings on my credit and bring down my credit score and she agreed not to as I told her that my payment would be made in 2 weeks once I get my tax refund. 

Immediately when I got off the phone, I received a credit alert that they ran a credit app on me for an extended loan for which I didn't request. I called her back to confront her and asked why they ran a report when I specifically asked her not to. She said they ran a check on credit that didn't impact my credit which was a flat out lie, I told her that the kind of pull they did was an actual hard request for credit pull, not a soft one that a creditor does when they want to evaluate credit. This brought my credit score down and they want do anything about it or reverse it's course. Not sure why they ran this report on me but I want it reversed. Here 's info on the company below. 

Mariner Finance XXXX XXXX XXXX. 
XXXX, TX Phone : XXXX Branch Manager - XXXX XXXX
Product: Checking or savings account

I made my phone bill payment two XXXX wireless on XX/XX/2024 {$65.00} was taken out of my account and the transaction was completed on XX/XX/XXXX my phone was shut off due to cash app asking for my payment to be returned to them which caused my phone to get shut off without even notifying me of any of this going on they can not give me a reason why my payment was sent back to them they're stating that they did not do that XXXX wireless is stating they did do that and I don't have a phone on I have a father who is very ill and has to have a phone at all times due to his medical equipment and they also have given me no reason for that and they're expecting me to wait 10 days for the payment to hit XXXX XXXX in order to give me the money back that should have never been taken out reverse back to them because it was completed payment my phone was on from XX/XX/XXXX to the XXXX for 10 days and then all of a sudden my phone was shut off I get no response no answers also with them I can not even add money to my account which I was able to do so many times but all of a sudden it just quit then my husband had {$2000.00} in his account and it got hacked and when he turned it into them they close this account out and will not give us our money back so I mean there's so many problems with this company that we don't even know where to begin
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems getting the XXXX 30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

An illegal foreclosure has been started against my home, even though I was still in the modification redemption process. I will file a Chapter XXXX bankruptcy petition to stop this action if necessary, but under the amended Fair Debt Collection Practices Act of XXXX XXXX, 2014, I was protected of any ongoing actions for a foreclosure action until all modification remedies have been exhausted. Select Portfolio Servicing , Inc. has through their lawyers brought this foreclosure action against me, thus violating my rights under FDCPA.
Product: Debt collection

MCOA Municipal Collections of America had my driver license suspended with the state of Illinois, with no XXXX for recourse. But after multiple attempts MCOA has refused to provide me with verification of the date. I would like written proof of the debt sent to me to be verified before any payment is submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, Experian, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed there are fraudulent accounts listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory mark has been made on my credit score due to a account being sent to Collections ( listed below ) MIDLAND CREDIT MANAGEMENT Opened XXXX This is from someone fraudulently opening a credit card to purchase plus size clothing online. The credit card is called ( XXXX XXXX  ) The only time I have opened a credit card was at XXXX XXXX ( clothing store ). I believe there was a data breach in their system and my information was stolen. I have refused to pay off the XXXX XXXX account because it is a fraud charge by someone else. It has now been on my credit for 1 yr 11 Mos and negatively impacting my credit score. 
I have disputed this account with XXXX XXXX in the past claiming it was fraudulent, but no action has been taken.