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

I have never been late with their company just this once. I contacted GMC financial on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if GMC could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. GMC had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If GMC could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. GMC are making other companies believe that I dont pay my bills on time and thats not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX, XXXX ad TransUnion since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All 3 credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ).

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX with Account Number XXXX - This account was deleted from XXXX and XXXX is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) XXXX was notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from XXXX and XXXX and TransUnion are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX and TransUnion are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and TransUnion is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.
Product: Debt collection

This account was previously deleted since it was an identity theft and I provided with the Identity theft police report to the previous collection company 3 years ago. Now I believe they sold the account to another company and the collection re-appeared 3 months ago. Ruining my credit and my home refinancing process.
Product: Debt collection

I have no knowledge of this company nor this account. Never have i signed any agreement with this company for anything.. They are violating 18 US 894. 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code Notes prev | next ( 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, title XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXIII, XXXX ( XXXX ) ( L ), XXXX XXXX, XXXX, XXXX Stat. XXXX. )
Product: Debt collection

I have received a letter from  Midland funding saying they validated the debt by sending a bill from another company.midland did not send a contract t hat I signed with them. I do not know this company, I do not owe this company, nor have I ever had any contact with this company.They is reporting to my credit report and so is    XXXX   XXXX   XXXX  ..Two co mpanies can not collect on the same debt..i want this illegal information deleted from my credit report.
Product: Payday loan

ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Mortgage

XXXX Loan with Rocket Mtg in XXXX. is a FHA Loan. Every year they raise my mortgage XXXX dollars a month. The mortgage started at XXXX and now its at {$2500.00}. 

They refuse to give me credit for the fact that my house is worth almost 2 times what I owe and get rid of the MIP. 

The taxes for the property only increased about XXXX dollars, yet they are increasing my housing mortgage payments from XXXX to XXXX a month. The insurance is paid in XXXX not XXXX. They are pocketing all this money and refuse to assist with anything and bill late payments up the gazoo if you are late. 

This is not fair. We work hard to obtain our property and these banks are making it more and more difficult to keep a roof over our head. The bank should remove the MIP to make my mtg payment maneageable as I am XXXX and soon to be retiring and will not be able to continue wit hall these increases where the financial institution takes advantage of the Citizen to force them into foreclosure or to sell the home. This is terrible.
Product: Mortgage

In XXXX I refinanced my mortgage loan with Flagstar with a balance of XXXX around or about in XXXX XXXX to lower my interest rate. After that I got sick at work, I was able to make my payments but got behind about 3 months. But made consistent payments while my loan modification was in process. I was approved in XXXX. But later on in XXXX my payments got behind about 60 days, then I applied for a modification since it was about 30 months since the last one. 
It took from XX/XX/XXXX to XX/XX/XXXX to get my modification, my issue is all the late fees should have been removed from my account during this time but was not and also my balance was XXXX, XXXX when my mortgage was transferred to XXXX XXXX XXXX. When my account was transferred I was still in the process of a modification. In XXXX XXXX my loan was modified and the late fees from 5 months was removed. Flagstar did n't remove the late fees and other charges from the loan prior to transferring the loan. Also, when I contact them for total late fees, other fees, and paper to validate Flagstar refers me to the new lender which only provides credits for the 5 months they had the loan. My loan has had about XXXX paid to my mortgage as I have only been 6 payments behind the entire time. My balance today is incorrect with the new lender. 
The claim I am making is Flagstar has pocketed a great deal of my money for payments to my mortgage account. I need help getting the late payment fee, other fee and misc. fees removed from their records so XXXX can honor the law under the Modification act. Please inquire as to all the fees on my mortgage. Flagstar received payments from XXXX XXXX to XXXX XXXX. My payments were {$1100.00} a month around are about. Now I pay, {$890.00}, because XXXX was deferred by XXXX to after my loan is paid off. I was told this should have already been paid but Flagstar has to credit this to the account under the CFPB lawsuit where they were found breaking the law.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. XXXX   and TransUnion merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.
Product: Credit reporting or other personal consumer reports

Experian is violating my consumer rights. They are fraudulently letting XXXX XXXX XXXX account number XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on Experian for failure to investigate as Im a federally protected consumer. I will also be reporting both Experian and XXXX XXXX XXXX to the IRS filing out form 3949 -A information referral for unreported income since Experian gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. XXXX XXXX XXXX isnt allowed to do business in my state. If the account isnt removed in 30 days, Ill also will be filing to sue both companies for defamation of character. They are making me look non creditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor XXXX XXXX XXXX XXXXXXXX because I havent been able to XXXX XXXX XXXX due to the finally and emotional harm these XXXX companies has caused. I know that XXXX XXXX XXXX pays Experian to report inaccurate information and Experian refused to give me a fair investigation for their financial gain.
Product: Credit card or prepaid card

I opened a dispute regarding four transactions on my Coinbase XXXX XXXX. It has been 10 days since the first two fraudulent transactions and 5 days since the second two. All the transactions are for the same amount and charged two at a time by the same vendor. 
Per the Federal Reserve Act Regulation E they should have 10 days to investigate the issue and if they can not resolve the issue by then they need to provide me with a provisional credit if they need to further investigate. Instead, every time I am contacted by customer service it has been to request the same information. They have not provided any provisional credit to my account nor do they appear to have made the slightest bit of progress with their investigation considering that they keep asking for the same transaction information despite it being in the email thread the contact me from. I have even provided screenshots of the transaction records. 

Merchant name : XXXX XXXX  Date/time of transaction : XX/XX/2022 XXXX XXXX and XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX Transaction amount : {$20.00}, {$20.00}, {$20.00}, {$20.00} Dispute amount ( must include original transaction amount ) : {$20.00}, {$20.00}, {$20.00}, {$20.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? No contact info What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? I have never heard of this merchant or ordered from them in my entire life
Product: Credit reporting or other personal consumer reports

* 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 
To make matters worse, I have learned abour XXXX recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of XXXX Report Errors '' ), which highlights neglected efforts in your company affairs. 

have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts removed XXXX XXXX XXXX ACCOUNT HAS INCORRECT IMFORMATION XXXX  = {$520.00} Experian = {$510.00} XXXX = {$520.00} This credit line is suspended And I didnt apply for this line of credit. 



XXXX XXXX Past Due : {$740.00} {$700.00} {$740.00} Incorrect reporting Comments : Charged off as bad debt Canceled by credit XXXX chargers off but I never received a XXXX Also this account doesnt belong to me. 

XXXX XXXX This account doesnt belong to me XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX This account doesnt belong to me XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account doesnt belong to me XXXX XXXX Doesnt belong to me
Product: Student loan

MOHELA is refusing to place me on a processing forbearance or process my income-based repayment plan ( IBR ) application. On XX/XX/XXXX, I submitted the attached application to switch my repayment plan from XXXX to the XXXX. I have attached my XXXX Tax Transcript. My payments should be {$350.00} per month, per the XXXX XXXX at XXXX. Please see attached. I sent an email to MOHELA on XX/XX/XXXX, requesting a processing forbearance for XXXX days for purposes of the XXXX XXXX XXXX XXXX ( PSLF ) program while my XXXX application was processed. My email is attached. I sent a second email to MOHELA on XX/XX/XXXX, again requesting this processing forbearance for PSLF purposes. I received an email from MOHELA on XX/XX/XXXX, stating that an escalated request has been submitted to place your account on a processing forbearance. This forbearance will be backdated for when you applied for new repayment plan. This email is attached. However, on XX/XX/XXXX, MOHELA responded to my complaint with the Consumer Financial Protection Bureau ( CFPB ) wherein it stated that XXXX XXXX XXXX XXXX XXXX XXXX had instructed it not to process any applications if a borrower is currently on the XXXX plan. Specifically, MOHELA stated [ p ] er XXXX XXXX XXXX guidance as of XX/XX/XXXX, MOHELA has resumed processing applications for XXXX, XXXX, and XXXX unless the individual has any loans on the XXXX plan. Accounts with XXXX applications that are placed on hold per Federal Student Aid ( FSA ) IDR processing guidelines will remain on the appropriate forbearance until the application can be processed. As of this writing, your loan is in a forbearance status through XX/XX/XXXX, to allow additional time for this process to occur. What does this even mean? Is this a processing forbearance that is eligible for XXXX? I will not lose XXXX credit because MOHELA refuses to do its job. MOHELA is required to apply a processing forbearance per https : XXXX  AND to process XXXX applications XXXX if we are currently on XXXX. Let me be clear : MOHELA is to apply a processing forbearance to my account, effective XX/XX/XXXX, per its XX/XX/XXXX, email. XXXX and XXXX of XXXX should qualify for PSLF purposes. MOHELA is to then immediately remove me from XXXX and place me on the XXXX repayment plan. My attached promissory note specifically provides that you may change repayment plans AT ANY TIME after you have begun repaying your loan. See p. 14 of 16 ( page 16 of the PDF ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was approached by an online seller to use the " Cash App '' by Square as they could use the funds immediately to ship my product. Working in the financial services industry, I loaded up the app and found I was able to pay with my debit card so I decided to do the transaction. I was not greeted by any terms of service, nor was I told that the funds would be non-reimbursable. XXXX, a similar competitor using bank accounts, strictly tells you every time that most transfers are not able to be returned. So I felt safe and proceeded as I figured this was just Square 's version of XXXX. I made the payment but I immediately started getting concerned as the online seller would not produce a shipping number. I still have not received the items. I contacted my bank ( XXXX XXXX ) and started a Reg E fraud claim on XX/XX/XXXX but they stated that I would have to contact Square as they viewed it as a transaction with Square and that the end user would be Square 's responsibility ( on XX/XX/XXXX ). I attempted to contact Square multiple times but their phone number only refers their merchants to use their number and without this number I can not get through. Square is acting as a merchant servicer and they are not providing protections for the users. Furthermore, there is no way to report a user for fraud. Square is not doing their part to protect users. The amount was for {$330.00} and the product I was purchasing was a used XXXX XXXX and some games.
Product: Checking or savings account

I instituted an unauthorized wire transfer dispute with Citibank on XX/XX/22 when funds from my checking and savings account for checking {$6900.00} and savings {$20000.00} were wired from my account without my authorization. I received a credit refund for my full checking amount and denied the savings amount see letters from Citibank included in attachments. The synopsis attachment has more information. My issue is Citibank honored my checking unauthorized transfer and denied my savings.
Product: Mortgage

The VACP program started XX/XX/XXXX. My lender was supposed to get me applied for it. I havent heard back but I need this to keep my house
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EXPERIAN I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EXPERIAN a handwritten notice ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instruction to delete the inquiries within 4 days, pursuant to 15 USC 1681c-2. I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EXPERIAN must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EXPERIAN receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EXPERIAN must provide me with such documentary evidence or remove the XXXX XXXX account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a refinance on my auto loan the company I applied through only checked my XXXX report. Which was frozen. I Was told they would be checking Experian therefore I had lifted my freeze For XXXX days with Experian. XXXX days following this incident I took a hit to my credit score with Experian due to a hard inquiry during that time period. Upon checking the name of the company listed on the inquiry it was not related to the application for refinancing. I called the phone number listed for the inquiry and spoke with what I found out to be a credit union that could not explain to me why they had an inquiry listed on my credit report. So I proceeded to move forward with a dispute through Experian for what I assume to be a mixup. I explained the situation to XXXX different representatives from Experian both of which insisted that I proceed through the fraud department which I felt was extensive and a waste of time and resources. But due to the drastic change of my credit score and no other options I spoke with the fraud department and explain the situation. XXXX told me that he could not tell me The information that he had but he could not dispute that inquiry and then I was out of luck and proceeded to ask me if I had any other inquiries I wanted him to dispute. I continue to ask what my next option would be to have it removed and he said to call the company in which I had repetitively explain to him I already had. I told him that if this were the case then indeed it would be identity theft and to proceed with that plan. XXXX told me that he could not do that either. He told me that I was stuck with us even though we had no answers to why I had it other than the information that he apparently had about the inquiry and would not give to me.