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

A XXXX XXXX XXXX XXXX loan is erroneously appearing on my XXXX, Equifax, and XXXX credit reports. According to the reports, this account was opened on XX/XX/XXXX and the current status is Late. Despite requests sent in writing via US Postal Service in XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has failed to supply a contract to which they are a party nor any other evidence to support the claim that this account is valid. They are in violation of the FCRA, TILA, and the Gramm-Leech-Biley Act Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is only allowed to furnish information about a consumer 's credit history with the consumer 's consent. Specifically, Section 604 of the FCRA states that a consumer reporting agency may only furnish a consumer 's credit report to those who have a " legitimate business need for the information '' and who certify that the information will be used for " permissible purposes. '' Section 604 also requires that the consumer be notified in writing of the request for the credit report and that the consumer has the right to know the nature and scope of the request. 

Furthermore, Section 607 of the FCRA requires that a consumer reporting agency maintain reasonable procedures to ensure that the information they report is accurate. If a consumer disputes the accuracy of any information on their credit report, the consumer reporting agency must investigate the dispute and correct any inaccuracies. 

Under Section 605B of the FCRA, a victim of identity theft can request that the credit reporting agencies block any information that is the result of fraudulent activity. Specifically, Section 605B ( a ) ( 1 ) states : " A consumer may notify a consumer reporting agency that the consumer disputes the accuracy of information in a consumer report on the consumer on the grounds that the information relates to a fraudulent transaction or to an account or to other products or services that were obtained as a result of identity theft. '' This includes items that were created by an imposter, or those that were created by the thief using my personal information. 

Furthermore, under Section 621 ( a ) ( 2 ) ( A ) of the FCRA, I have the right to submit a sworn affidavit to the credit reporting agencies stating that the information on my credit report is the result of identity theft. The affidavit should include a statement that I did not create the accounts or authorize the charges and that I am not responsible for them. I have attached a copy of the FTC 's Identity Theft Affidavit to this letter. 

In light of these laws, I respectfully request that any and all items on my credit report that are the result of identity theft be removed immediately. I did not consent to the reporting of fraudulent charges or accounts and therefore, they should be removed in accordance with Section 604 of the FCRA.
Product: Mortgage

I DID NOT KNOW THAT MY ACCOUNT WAS SOLD TO ROUNDPOINT MORTGAGE. WHEN I REALIZED THAT IT WAS, IT WAS TOO LATE TO PAY ANYTHING BUT THE TOTAL PAST DUE. I ASKED TO BEGIN THE PROCESS TO MODIFY THE LOAN BACK IN XXXX OF 2023. 
SINCE THEN I HAVE RECEIVED ZERO ASSISTANCE. I HAD TO CALL TO GET UPDATES, AND WOULD BE GIVEN EXCUSES AND DIFFERENT REASONS WHY IT WASN'T COMPLETE, THEN HAD TO REDO PAPERWORK BECAUSE SOME OF THE INFORMATION WAS OUTDATED BY THEN. THIS WENT ON FOR OVER 3 MONTHS, AND THEN I WAS TOLD THAT MY REQUEST WAS DENIED AFTER ALMOST 3.5 MONTHS. 
ONCE THE DENIAL HAPPENED MY HOME WENT IN TO FORECLOSURE. 
AFTER BEING INFORMED OF THE DENIAL, I ASKED FOR THE INFORMATION INCLUDING THE TOTAL AMOUNT I NEED TO PAY SO THAT I COULD WITHDRAW THE AMOUNT FROM MY RETIREMENT, THEN I WAS GIVEN THE RUN AROUND AGAIN FOR WEEKS. I WAS TOLD TO CALL BACK IN A COUPLE DAYS MULTIPLE TIMES, AND THEN TOLD THAT THEY WERE WAITING ON THE ATTORNEYS TO GIVE THEIR FEES. HOW WAS I SUPPOSED TO KNOW HOW MUCH TO WITHDRAW IF I DONT HAVE AN AMOUNT? SO I WITHDREW THE ORIGINAL AMOUNT THAT I RECEIVED FROM YOUR COMPANY, AND OF COURSE NOW THE TOTAL IS MORE BECAUSE OF THE ATTORNEY FEES. 
THIS WENT ON FOR OVER 2 WEEKS UNTIL I FINALLY CALLED THIS MORNING AND WAS SENT THE EMAIL WITH THE TOTAL INCLUDING THE FEES. 
NOW THE EMAIL SAYS THAT THIS TOTAL NEEDS TO BE PAID BY XXXX. THAT IS 4 DAYS??!!! 
THIS IS AN ATTEMPT TO FORCE FORECLOSURE AND INHIBIT THE ABILITY OF THE HOMEOWNER TO RETAIN THEIR PROPERTY. 
THIS IS UNACCEPTABLE AND IF THIS IS THE WAY THIS COMPANY DOES BUSINESS THEN THAT NEEDS TO BE STOPPED. 
IF THIS IS A SINGLE EMPLOYEE BEING INEPT, THEN THAT NEEDS TO BE DEALT WITH. 
IT IS NEARLY IMPOSSIBLE TO TALK TO ANYONE BECAUSE OF THE TIME DIFFERENCE BETWEEN HAWAII AND THE XXXX XXXX. NOBODY ANSWERS EMAILS AND THE WEBSITE LIMITS THE WAYS YOU CAN CONTACT THEM. 
I FILED A COMPLAINT ON THEIR WEBSITE MULTIPLE TIMES AND HAVE RECEIVED ZERO FOLLOW UP. I HAVE EMAILED MY SINGLE POC MULTIPLE TIMES FOR MONTHS ASKING FOR CONTACT INFORMATION AND SOMEONE TO TALK TO AND HE HS NOT REPLIED TO ANY OF THEM.
Product: Mortgage

From the very beginning we want to know where the total of over XXXX XXXX went before our loan modification started they wont send us it broken down then all the payments they demanded before we locked in also there favorite line is late fees ( never late one time ) then corporate fees now our mortgage is about to go in default because we were supposed to get help with a lower payment now there up to XXXX a month just added almost XXXX to monthly payments we want everything broken down from payments made before we got excepted for the modification then all the payments they added more money to last mortgage XXXX added over XXXX grand into a payment plan I assume payable at end of loan this company Selene finance added that amount made our payments from XXXX to almost XXXX we are XXXX  living on ss and XXXX please dont just close this case like last claim we need answers now before they get our house they are curupt and if you ask for it I can send you pages and pages of complaints from poor other people that already lost there house we need something to be done to stop this fraud
Product: Debt collection

Beginning XX/XX/2023, I have received more than the permitted 7 calls per week in an attempt to discuss debt collection. I receive at least one, if not two, calls per day. They call from multiple different numbers with local area codes and conceal their identity, pretending to be someone I may know until I ask who is calling. I have informed them not to call me during my business hours of XXXX to XXXX, yet they repeatedly call during those hours regardless.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. PROSPER MARKETPLACE IN XXXX and PROSPER MARKETPLACE IN XXXX
Product: Mortgage

I purchased a townhouse at XXXX XXXX XXXX XXXX XXXX, VA XXXX, in XX/XX/XXXX for {$460000.00} with a 3 % down payment. 

Currently, the estimated property value is : XXXX : {$640000.00} XXXX : {$630000.00} My mortgage balance is {$400000.00}, giving me approximately 35 % equity in the property. Since my equity has surpassed the 20 % threshold, I should no longer be required to pay Private Mortgage Insurance ( PMI ). 

Despite submitting multiple requests to my mortgage company since XX/XX/XXXX to remove PMI, they have not approved it. I offered private evaluations to be paid out of my pocket, but they were not accepting. Could you provide guidance on how to resolve this issue? 

Thank you!
Product: Credit card

XXXX employee spoke with Mercury XXXX XXXX  people on my behalf. They spoke XX/XX/XXXX and I ask both if was ok for me to record call. They gave me permission to record because I been trying to get this fix for months. So they talk on XX/XX/XXXX for XXXX minutes and XXXX seconds. XXXXXXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX told Mercury XXXX XXXX  that my debt been fixed. They told them I no longer owe them a balance and that everything been resolved and fixed. Plus I got a current rental car with XXXX for XXXX weeks and I will be returning tomorrow. You know XXXX wouldnt allow me to rent if I owe them a balance.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I submitted a request for XXXX to determine how many payments I have made during my loan history qualified for public service loan Forgiveness. This request was made in XX/XX/XXXX. The request has not been completed as of today ( XX/XX/XXXX ). When speaking with XXXX, they said that payment review is incomplete because Navient has not sent electronic records to XXXX. It has been over 10 months! This is unacceptable, negligent and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX  account reporting to my credit report. 

World finance is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment on XX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system  and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$2000.00} XXXX  - XXXX - {$4000.00} XXXX  - XXXX - {$0.00} Also Known As : XXXX, XXXX, XXXX
Product: Debt collection

This letter was sent to XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$18000.00}. The letter stated, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

This letter was sent to XXXX Dispute Department on XXXX XX/XX/XXXX. This account has been satisfied with XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).  The letter stated, " The date last active for XXXX  is XXXX XX/XX/XXXX, and XXXX  also shows last reported XXXX XX/XX/XXXX. This is in conflict. Delete this account immediately.
Product: Debt collection

I contacted Nationwide recovery service on XX/XX/2022. 60 days ago regarding an alleged debt with XXXX. They never responded. I called them XX/XX/2022 and informed them that by law they had 30 days to respond to my dispute. I no longer am interested in them sending me any information I am requesting complete deletion of this account, and for my credit reports to be updated. The amount was for XXXX I specifically asked them to send the following Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you The representative informed me that they can not send me a XXXX authorization. That is because I never gave them the authorization to obtain my medical files. They are not a medical provider, only a collection agency. The representative hung up in my face
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My mother and I have been called off and on since we moved in to our rented duplex by collection agencies who always promised to remove our number after we made it clear we did not know the person who used to use our home phone number and did not have a forwarding number. The most recent incident was today and so I decided to check to see if there was more I could do, which led me here. We moved in XXXX10 years ago and while it has n't been every day or week it 's still a waste of our time that needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate address information that appears on my credit report and to report this as a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This erroneous reporting not only misrepresents my current address but also fails to comply with the obligation to ensure the accuracy and integrity of consumer information under the law.

The specific outdated address in question is I have never resided at or used this address, or it no longer reflects my current information. Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes regarding the accuracy of reported information. Additionally, failure to ensure accurate information violates the provisions of 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of consumer reports.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I was contacted by XXXX XXXX, XXXX to consolidate my student loans and lower my monthly payments. They assured me they were a legitimate company representing students and acted as a liaison for the Federal Student Aid. Once agreed to their services, XXXX XXXX prepared a contract and a fee of {$1300.00}. Because I could not afford to make this payment upfront, they enrolled me into a payment plan with Equitable Acceptance Corporation of {$39.00} monthly. I began making payments on XX/XX/XXXX of a monthly fee of XXXX that would go towards maintaining my student loan consolidation and their services. In addition to payments for Equitable Acceptance, I also was paying a direct amount of $ XXXX/month towards my federal student aid account. I have been paying Equitable Acceptance since XX/XX/XXXX. 

As of recent,XX/XX/XXXX, it was time to renew my information based on the income-driven repayment plan and to keep my loan amount affordable. As I spoke with a representative of Federal Student Aid, they informed me that the third party ( XXXX XXXX and Equitable Acceptance ) were not legal practices. They informed me to submit a claim onto The CFPB website. In addition, I was informed to cease any authorized automatic debit payments from my account. I contacted my bank immediately to stop payments. 

I have supporting documents under attached files from XXXX XXXX, XXXX and Equitable Acceptance. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX5 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX CARD - 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

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which artedates the report by more than seven years.

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

This is a recurring problem with the bank I have the credit card connected to, Comenity Capital Bank XXXX XXXX XXXX XXXX Card. I keep getting late fees every time I pay after XXXXXXXX XXXX, and the company refuses to cancel the fees, although the payment is still done the day it is due. 

I live on the Eastern coast of the U.S., in XXXX XXXX XXXXXXXX, and I am still at work or commuting by the time the payment is due. Further, this bank has changed the due time about two years ago, in XXXX or XXXX, making it harder for me to submit the payments during their required time -the due time used to be by XXXXXXXX XXXX While the due time was later in the evening, I hardly missed a payment. 

Lastly, I have been charged late fees on XX/XX/XXXX in the amount of {$37.00} on this credit card and on another card, a XXXX XXXX XXXX that I have from the same bank, Comenity Capital Bank. Paying {$72.00} in fees only for this bank is too much for someone me, since I am paid by hour. I would like to have both fees credited. I would also like the bank to switch back to the old due time that was by XXXXXXXX XXXX on the due days. 

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

I was XXXX XXXX XXXX I notified XXXX before going in. They reported collections anyway. 
I never signed anything that would allow a Business Account to be guaranteed by my personal social security number. 
No signature what so ever.