23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/22 I discovered the debt on my credit report XX/XX/22 I reached out to the original creditor, XXXX XXXX XXXX, to confirm the debt. They confirmed that the amount had been owed, but that I would need to call Consumer Collection Services to determine current balance owed. 
XX/XX/22 I reached out to the current creditor Consumer Collection Services ( CCS ) at XXXX Upon reaching the current creditor, I offered to make a settlement. They advised that doing a settlement instead of a full payment would negatively affect my credit report. So I made a full payment. During this process, however, I advised that I needed some sort of proof that I made a payment to the company in question. They advised that proof of payment wasnt available for 8 days after the payment processed. They did offer to give me a confirmation number, which I thought was going to be electronically provided to me because they asked me to enroll in their email notification program. 
Once the payment processing was complete, I found out that they were not going to provide the confirmation number electronically, and they would only provide it verbally. 
I escalated to a supervisor, because I needed proof of payment to provide to an apartment complex I am trying to live at. Once at the supervisor, I advised of the situation and she said there was no way for her to provide that information. I thought this was kind of weird, so I asked for proof of payment. She refused to provide me proof of payment saying that now that the account has been paid for she had no way of providing me the requested documents. 

She did offer me to send a letter by mail to CCS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX however that was only after I started demanding proof of debt, and that again doesnt help me prove even that the debt is real much less that the debt was paid within the 5 days I have to move into a new apartment. According to the supervisor, once an account is closed there is no way for them to provide records whether or not I mail them anyway so why would I waste my time.
Product: Credit reporting or other personal consumer reports

I did not give the Creditor permission to inquire on my credit report. I have a active fraud alert on my personal credit report, due to my name ssn address phone number being leaked on the dark web. these are the following : XXXX Auto Financing XX/XX/XXXX XXXX CAPITAL ONE AUTO FIN Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX CAPITALONE - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX CAPITAL ONE Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CAP ONE AF - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX COAF Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX CAP ONE AF - XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX COAF Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CAP ONE AF - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX CAPITAL ONE AUTO FIN Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX COAF Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have made several attempts to contact Affirm regarding the loan they have continuously charged me for in regards to a purchase I have made on XXXX. The return was initiated on XX/XX/XXXX and XXXX confirmed they have received the items on XX/XX/XXXX. After several phone calls going back and forth between XXXX and Affirm, I was asked by Affirms customer care to send the proof to their email on XX/XX/XXXX. On the same day, I have sent Affirm an email with attachments showing proof of the return as well as my conversation with XXXX again confirming that they have received the items. They have taken a total amount of {$200.00} for items I no longer have and have yet to even refund me my money. It has been almost a month of no communication from their customer care since I have sent the email and almost two months total of Affirm not refunding me and I shouldnt have to wait this long to get my money back.
Product: Credit reporting or other personal consumer reports

As of today, the credit bureaus have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I want the below negative accounts deleted from my credit report. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXXXXXX XXXX XXXXXXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX  XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

Your attention to this matter is greatly appreciated. 

Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX  XXXX {$4200.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft resulting from a data breach. 
As a result, several unauthorized accounts and inquiries have been reported on my credit file.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$22000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

HI. Last year about this time you helped me to solve this problem with XXXX collecting agency, I have case number with you which is XXXX now I got letter from different collecting agency named.RPM.LLC.www.rpmpayments.com.phone XXXX for same case, and I have till XXXX/XXXX/2017 to respond.XXXX
Product: Student loan

When the XXXX waiver became available I applied, sent in the required documentation and received updates on how many payments would be eligible under XXXX. This took approximately 9 months. In XX/XX/XXXX I requested an update on the payments listed as ineligble due to forbearance/deferment. I made XXXX phone calls to MOHELA with each one lasting 2-3 hours waiting on hold to speak to a manager because this was an issue that needed " elevation '' I was told. 

During calls I received a different answer to why these payments were considered " ineligible '', I was told that payments in forbearance or deferment would be counted in the XX/XX/2023, then in XX/XX/XXXXXXXX. I was told my payments didn't count because I was defaulted for nearly 36 months. I have no record of my loan being defaulted between XXXX. I never received a letter or notification via email nor a call from my servicer at the time, XXXX saying that. My loan was defaulted in XXXX during a period of Leave Without Pay status, I worked with the Debt Management Center during this time to put it back into Good Standing. 

MOHELA stated they contacted the Debt Management Center, where all defaulted loans are placed for the time period in XXXX and no information was present, I contacted the Debt Management Center and was told my loan was not forwarded to them until XXXX. To date no one can give me an answer on where my XXXX XXXX was during that time period and MOHELA 's website states it was " in forbearance/deferment '' which is not the same thing as " defaulted ''. 

My payment count to date is XXXX ( see attached materials ) and my loans could be forgiven at this time however it shows XXXX payments remain. I was never notified that my loan was even approaching default, no documentation has been found by myself nor MOHELA to indicate that it was in default. I am being penalized for items out of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now ( XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to TransUnions PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and TransUnion has misled me with bad information in regard to getting it resolved.
Product: Credit reporting or other personal consumer reports

Equifax has multiple accounts and inquiries on my report that Ive never made. My attorney mailed letters about it. Nothings been done. I filed a claim for the equifax breach and was told to give you my information to help get this stuff off my report and put on whoevers account it belongs toXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 100s of inquiries that I dont even know where or who they are. Nobody has answers as to how or who is using my information
Product: Credit reporting or other personal consumer reports

Yes, credit bureaus do not report taxable income to credit bureaus : IRS doesn't report to credit bureaus The IRS does not report tax-related information or income to credit bureaus. 

Credit bureaus stopped collecting salary information Credit bureaus stopped collecting salary information over XXXX  years ago because it was often inaccurate and self-reported. 
Credit reports don't include income Credit reports do not include income, bank account balances, or investment account balances. 

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how credit reporting agencies can collect, use, access, and share consumer credit bureau data. 
Credit Bureaus states that they do not report Taxable income. There are multiple accounts that has been reporting as Charge off. The companies that are reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has multiple violations. Partaking in such matter with these 18 US Code 894. 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non-repayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 
( Added Pub. XXXX XXXX, XXXX XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( L ), XXXX XXXX, XXXX, XXXX XXXX  XXXX. )
Product: Student loan

I am in the Public Service Loan Forgiveness Program. I have been working at either a 501 ( c ) 3 or government agency   since XX/XX/XXXX. In XX/XX/XXXX, I was working at XXXX XXXX XXXX 's XXXX XXXX, a nonprofit that represents XXXX in XXXX XXXX. I was hired at a new job working in the XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. There I would be helping people who can not afford to hire attorneys with their court cases. My last day at XXXX was a Wednesday, XX/XX/XXXX. I took TWO WORK DAYS off between my old job and new job. My first work day at the XXXX was Monday, XX/XX/XXXX. 

My student loan payment has always been due on the XXXX of the month. In XX/XX/XXXX, that fell on a Sunday. As it happens, my payment was actually a {$0.00} payment since I made so little money at XXXX. Because my " payment '' was submitted on the XX/XX/XXXX, FedLoan Servicing now says that payment doesn't count toward my 120 on-time payments for PSLF. I think this is absolutely ridiculous given that I was employed at a qualifying employer for the entire month of XX/XX/XXXX( minus two work days ), and the fact that my payment happened to fall on the weekend between jobs should not be held against me. I have reached out to them both by phone and email, and asked that they solve this problem, and they refuse to do so. I am positive they could retroactively change the day my payment was due for that month in order to allow me to get credit for that month of payment, and believe that is the only fair outcome. There is no rule that says that payments must be due on the XXXX of the month, and the fact that my start date at my new job happened to fall on the XXXX should not be determinative of when I can request forgiveness of my loans, given my obvious dedication to the public interest.
Product: Credit reporting or other personal consumer reports

I previously disputed my student loans from the Department of Education and XXXX that were showing up on my credit report at TransUnion with the CFPB. They were supposed to be removed due to a settlement agreement ( XXXXXXXX XXXX XXXX ) and TransUnion did eventually remove them from my credit report as XXXX was showing a {$0.00} balance. 

I received an alert today that those loans have shown back up on my credit report at TransUnion in violation of the settlement agreement and contradicting the statement in the previous complaint. 

These need to be removed from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to chase for these unapproved credit pull from XX/XX/XXXX, XX/XX/XXXX of XXXX from XXXX, chase told me that their were unable to help me with this and I have to reach out to XXXX, XXXX said I should fill out this ftc report for the dispute to continue.
Product: Debt collection

An attorney representing XXXX sent me an envelope that disclosed my personal information in the window of the envelope. This is clearly a violation which i have a picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the XXXX ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 604 " States rights to consumers privacy. '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.
Product: Credit card

I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} again. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00}, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra {$3200.00} on my Capital One credit card.This is the charge that I would like help to dispute.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of thousands of dollars and I need your help to try to recover my money.
Product: Mortgage

In XXXX I paid for and entered into XXXX XXXX XXXX XXXX XXXX. My mortgage payment was faithfully, automatically deducted bi-monthly from my checking account. Through a series of communications in an attempt to sell my property I discovered that my equity was never enhanced and that XXXX XXXX had given my account to Paymap , Inc . I also discovered that there was a lawsuit against Paymap for fraud. Can you help me recover any of the funds that Paymap, Inc. cheated me out of? I know the lawsuit was filed in XXXX, but I was never notified and although this practice was discovered to be fraudulent, Paymap, Inc. continued to defraud me until XXXX.
Product: Mortgage

In XX/XX/XXXX, I had applied for a mortgage purchase first time homebuyer program, The company was Atlantic mortgage in XXXX XXXX, Nevada and the owner was XXXX XXXX. He told me that I was preapproved for a loan allowed me to sign a contract locking in to a house. I handed them the title company {$2800.00} for the good faith estimate money during this process, I also spent another XXXX on an inspection and XXXX for the appraisal upon this adventure. XXXX assured me that I had the loan and I was approved received the low loan documentations. XXXX XXXX had me extend the closing date from XX/XX/XXXX to XX/XX/XXXX as of XX/XX/XXXX we were waiting for the closing disclosures which we needed to close alone and we were unaware that we were waiting on conditions from the bank in order to close on the loan XX/XX/XXXX I was informed that I was loan was denied without giving any reason whatsoever just pure speculation that it was my spouse was the reason and come to find out dealing with another bank that my wife was not the issue XXXX has never done any business in Texas and I feel that his real estate license to do business should be revoked. I lost over {$5000.00} and my XXXX  because of this clown he should be in prison.
Product: Vehicle loan or lease

I called asked why payments were so high on loan there are things im paying for i didn't approve for on my loan. Also paying a very high interest rate on the loan. Doesn't seem like as XXXX  paying its knocking down the loan its all going to interest which is destroying my credit and not helping me also I was unemployed and was forced to pay with out a job borrowing money or having them trying take my car. Now I'm employed but can't afford XXXX  loan payments and not being helped by the company to lower my payments or anything to meet my payments standards. Which to me is bad business which is why I want reimbursed and the loan forgiven on my behalf.