23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Well, my information was exposed in the data breach. I have been reaching out on my XXXX XXXX account and disputing the consumer reports and hard inquiries on my credit in the last year is dropped almost XXXX points due to this data breach. Im not sure on the way your method to al You all about it, but I need this to be corrected as they are reporting and accurate data and there are increase being made against my credit. Im assuming its because of this data breach. Im reaching out to you. Also you were able to expunge these increase off of my credit report or to provide me with documentation assigning debt, as far as Im aware, I have no acknowledgment of anything other than my student loans. Additionally, some of the addresses that are on my credit report are not mine, which is why I reaching out to you all for help. Im not sure what steps I need to take, but I do know it is in violation to be reporting in accurate data on my credit report, especially since one of the ones whose Social Security was breached in the the data leak.
Product: Debt or credit management

In XXXX I subscribed to Tomo boost for {$49.00} to improve my credit, tomo boost is a scam they never reported anything until XX/XX/2024 & that was negative remark because I cancelled I guess that was tomo boost way of retaliating against me because I told them to stop trying to take my money or I was going to report them to the CFBP, my credit score was @ XXXX till they reported a negative remark & its not fair to me because I cancelled the subscription the XXXX day of XX/XX/2024, they took money out of my account for which I disputed it with XXXX XXXX & its still in review I never got my money they tried to take money in XXXX XXXX & XXXX every single day even right now, I was forced to close my account because of the harassment from tomo boost about a failed payment. Everything was ok when they were taking my money & not reporting anything. I want all my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter requesting that the Credit Bureuas reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, hte Credit Bureaus have failed to respond to my request. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA 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 # XXXX, # XXXX and # XXXX and I'm including it again. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated : XXXX XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went to XXXX simply to browse vehicles, I noticed a XXXX XXXX that caught my eye and decided to take it for a test drive. When I came back from the test drive the sales representative asked if I would like to see the numbers. Upon doing so she ensued to run a hard credit inquiry on all three of my bureaus with multiple institutions ( 4 inquiries on Transunion XXXX XXXX, and 3 on XXXX. ) The representative didnt ask for my consent to pull my credit for ONE inquiry let alone XXXX.
Product: Credit reporting or other personal consumer reports

I am following up on my complaint regarding the persisting negative accounts on my credit report. 

How many times must I dispute these same negative accounts with your department? When can I expect a satisfactory resolution from you? It is evident that you are incompetent and failing to fulfill your obligations and responsibilities diligently. Once again, I must emphasize that these negative accounts are all erroneous and inaccurate. Why? These items are not being reported to XXXX. You can easily verify these from the screenshots I provided from my latest credit report.
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the Georgia Bureau of Investigation confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I was exposed to chemicals at work XXXX XXXX XXXX XXXX I was taken from work to the hospital by my employer and spent two months in the hospital. I had part of my XXXXXXXX XXXX as a result of the inhalation of chemicals. It is illegal for a physician or medical facility to bill an injured worker if they know the injury is work related-related. this law is found in California labor Code section 3751 ( b ). This dept is for a work related injury and there is a current and open workers comp claim. I will attach the documentation that shows that there is a current and open worker comp claim and they are absolutely aware of the fact that there is and I have provided this information to The Hospital as well as this Dept Collector. This Hospital Bill is the sole responsibility of the Workers Compensation insurance company, and I am not legally responsible for any medical services rendered. This Company is Harassing me for a Fraudulent Dept collection that was never my responsibility, nor will it ever be my responsibility and it is completely fraudulent and unethical to be billing me for anything regarding having part of my XXXX XXXX due to being exposed to toxic chemicals at work.
Product: Student loan

- I was placed into an in-school deferment without my request or knowledge in XX/XX/XXXX. 
- I was advised to move into a repayment plan by MOHELA in XX/XX/XXXX- I applied to XXXX on XX/XX/XXXX and was placed into the XXXX plan ( see attachment XXXX request with date confirmation ) - XX/XX/XXXX, placed into the XXXX XXXX loan repayment plan - XX/XX/XXXX Student aid moved Me into an Administrative forbearance - In XX/XX/XXXX, I called MOHELA and was told the administrative Forbarence by the Department of Education - In XX/XX/XXXX, I was told the XXXX XXXX  was under an indefinite hold - XX/XX/XXXX In the same phone call, I requested to be moved into an XXXX XXXX  that would allow me to enter repayment status. 
- In XXXX and XX/XX/XXXX, I had contact with Mohela, where I confirmed I could be moved into XXXX and asked what the next steps were. I was told it may take time to process, but I could be transferred to an XXXX plan. I was under the impression the information held in my XXXX application would be used to move me into an XXXX plan. ( I thought the plan was XXXX, but further research shows XXXX was not accepting applications in the summer of XXXX ) - In XX/XX/XXXX, I completed my employment verification ( attachemnt shows all emplyment verrified XXXX XXXX XX/XX/XXXX ) - Employment verrification approved by fed aid confirmed 120 months of qualifying employment and XXXX payments ( see attachement with date confirmation ) - XXXX XXXX I submit a reconsideration/ buyback request for the months of XXXX and XXXX the in-school deferment, and XXXX / XXXX the administrative forbearance ( see attachment with date confirmation ) - the request states I should receive a buyback offer within 90 days. I have not received this offer, and it has been over 90 days - XX/XX/XXXX- I submitted a complaint to the Department of Education Ombudsman ( see attachment with date confirmation ) - In XXXX, I submitted a second complaint to the Ombudsman and a second reconsider/ buy-back request after a conversation with an employee at Fed Aid ( see attachment with date confirmation ) - In XX/XX/XXXX, I submitted a request to re-enter repayment after the announcement of XXXX plans reopening XXXX see XXXX attachment )
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. These items are not conducted by me as a consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX XXXX XXXX XXXX XXXX
Product: Debt collection

I was late with my payment due to my wife taking over the bills and not paying the balance. American Express has continued to call my parents at their own address at phone numbers that were never given to AMEX. I do n't appreciate the utter embarrassment they have caused me in calling my parents regarding a past due balance. My finances are not my parents business nor anyone elses. I sure hope this complaint gets attention, as I will be follow up regarding this complaint. I want to see AMEX forms of communication change, since the tactics they are using are very harassing to say the least.
Product: Credit reporting or other personal consumer reports

I keep telling Experian that their Boost product didn't get all the accounts listed that I have at XXXX XXXX. First they listed only three, then four, when I have told them repeatedly that I have seven. They're missing over {$60000.00} in the accounts they're not listing.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX, I received notification from Launch Servicing that my loan balance had been paid in full ( ~ {$21000.00} ). The Paid in Full letter lists my name, account number, and loan number. I stopped receiving monthly billing statements from them, I monitored the account for the following three months, and received no further correspondence from them until XXXX, when I received my 1098-E. On XX/XX/XXXX, XXXX, and XXXX, XXXX, I receiving billing statement, each dated for the months of XXXX, XXXX, XXXX ( XXXX ), and XXXX ( XXXX ), respectively. These statements also appear in my online account correspondence, but show a receipt date of XXXX XXXX XXXX  The statements show that interest continued to accrue on the account in question and that late fees were being applied. On XX/XX/XXXX, I called Launch to inquire why this was the case and what had happened. It was explained to me that a payment had been applied to my account in error, but then removed, and that's why I was receiving these statements. After asking why I hadn't heard anything sooner, I was told that a letter explaining the mistake and admitting their fault had been sent on XX/XX/XXXX [ I have yet to receive this letter, either digitally or via mail ]. As of XX/XX/XXXX, the loan in question is still listed on my credit report as " Paid, Closed; was Paid as agreed. '' On XX/XX/XXXX, I received a delinquency letter notifying me that the missed payments are due immediately to avoid collections actions.
Product: Mortgage

I was attempting a refinance with Rocket Mortgage since XX/XX/XXXX. 
They assured me that the loan would be no problem. 
The loan was ready to close in XX/XX/XXXX. 
I called to ask a question. 
A mortgage officer ordered another payoff. 
This triggered a re verification of employment and a new loan subordination. 
Rocket Mortgage would not take my calls, emails, or get on the phone with the second party on my mortgage. I got a major run around. 
I ended up going to a local bank who will close in about 5 days. 
Worst customer service EVER.
Product: Student loan

I received a letter from the federal trade commission saying that Ameritech Financial is being sued for deceptive practices. According to the information on my loan account my loans were consolidated on XX/XX/XXXX. This is when I joined Ameritech financial. 
My first year and half was {$250.00} a month, then it was lowered to {$99.00} a month. 
I had several calls from other companies asking me to move over to their company, I am a consistent individual so when I am with a company I stay with the company. 
Ameritech contacts me via email when I make a payment, before a payment is due and what it will read on my bank statement. I never thought they would be sued. 
Here is where they started to " rub me the wrong way ''. 
I had to change bank accounts and in that process I contacted XXXX XXXX with Ameritech asking her to give me the address so I could sent them a money order. I did not hear from her so I sent it to the wrong company ( XXXX XXXX ). 
She contacted me later saying I was behind on my payments and they never received the money. I let her know that I sent it to XXXX XXXX and she said none of my payments are going toward the balance of the loan ... Confused I said, how do I get the money back? She said I needed to call XXXX XXXX directly ... That was XX/XX/XXXX ... I still have not gotten the money back for that transaction. 
XXXX contacts anytime they do not receive a payment or my payment is late because of automatic drafts, however contacting them is a long phone call, and days of waiting. 

I did take the time to change my password and information for XXXX XXXX and XXXX as advised in the letter. Through these websites I have seen that my overall balanced has increased significantly, as if payments have no been made since XXXX. 
I am angry, confused, and disheartened, because I have given a portion of my earned income each month hoping that my, now consolidated loans, would be lowered. 
As a consumer what can you do for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-2 ( Section 605B ) **, on XX/XX/XXXX, I requested both XXXX and Experian block and remove fraudulent inquiries from my credit report. Under this provision, credit reporting agencies are required to block information resulting from identity theft within four business days. **Unauthorized Hard Inquiries : ** The following hard inquiries were not authorized by me and are a result of fraudulent activity : XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX Additionally, under the XXXX XXXX and XXXX XXXX XXXX, as a resident of XXXX, I am entitled to have all fraudulent information resulting from identity theft removed from my credit report. This statute mandates that consumer reporting agencies must reinvestigate disputed information and delete any items found to be inaccurate due to identity theft. I provided via certified mail : - Copy of my Government-Issued Photo ID** - Proof of Current Address** ( e.g., utility bill, bank statement ) - Copy of Police Report** ( Identity Theft Report )
Product: Debt collection

Ex- girlfriend charged {$1200.00} to AT & T account without permission, I currently pay for AT & T account for internet but this amount is not on my bill.
Product: Debt collection

I AM BATTLING XXXX  XXXX XXXX AND AM UNDER XXXX XXXX XXXX XXXX XXXX XXXX. THIS COMPANY IS COMING TO MY HOUSE AND SERVING ME WITH THREATENING LAWSUIT PAPERS. I JUST RECEIVED XXXX FORMS OF COMMUNICATION FROM THEM TODAY. THIS DEBT WAS NOT THIS MUCH UNTIL THEY ADDED THEIR FEES AND INTEREST. THEY SAY THIS DEBT WAS FROM XXXX, WHEN I XXXX  XXXX XXXX. THEY ARE THREATENING TO SUE ME AND TAKE MY XXXX INCOME. I DO NOT HAVE MONEY TO PAY THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXDEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Kentucky Housing Corporation purchased my Rural housing loan after the sale closed. I have had numerous issues with this company kicking back ACH payments when I know for a fact the funds were available. when this happens there is little to no communication and the company refuses payments to settle the issue until the balance and fees are unreasonably high. As a consumer this looks like an attempt to generate revenue from extra fees or worse an attempt to force foreclosure and sale of the property. The employees of the company have been less than cooperative and professional in the few times they have actually answered the phone save for one who had any decency. Considering this is a company that specializes in low income housing Im concerned about how many others they could be doing these things to. 
In addition, I have received calls from unknown and blocked telephone numbers with people claiming to be from the KHC offices demanding my personal identifying and banking information. I believe these to be scam calls resulting from a possible data breach that has not been addressed by the company. 
I hope you can look into these issues and get to the bottom of it. I have been hesitant to file this complaint due to fear of retaliation and reprisal but something needs to be done.
Product: Student loan

XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report and discharging of said fraudulent loans. In XXXX, XXXX XXXX XXXX XXXX loans after verifying my identity theft claim. These loans were fraudulently opened in my name and should not be reported. 

Despite multiple disputes, including, these fraudulent accounts remain on my credit report. The responses from the credit bureau indicates the information was verified. However, these loans were taken out virtually, without a physical signature and confirmed as fraudulent by XXXX XXXX during its transition phase to XXXX. XXXX was provided with the discharge letter from XXXX XXXX, as well as all of my documentation connected to the dispute and refused to remove the loans. XXXX has since then been banned from ever servicing loans again due to engaging in abusive, unfair and deceptive acts towards borrowers in multiple ways, to which they transferred to XXXX. Thus they have become the new owner of the fraudulent loans and despite receiving all relevant information, have refused to remove the accounts as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Show more information XXXX Direct Loan - Subsidized {$4400.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$5500.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$2600.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$11000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$10000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$4900.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$1400.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$5200.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$3100.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$3800.00} 0.000 % XX/XX/XXXX