23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I applied for refinancing with XXXX  of XXXX  before the second mortgage matured in XXXX of XXXX and in XXXX of XXXX they turned me down. I asked about a modification load and they played their game so I when for refinancing with a different company. I was turned down by th because the bank had posted a 90 day late charge to my credit. I wrote a letter to the credit department but never received a response.The bank continued taking my payment for the next 3 years before selling the contract to SPS. I continued to pay the payments to SPS starting in XXXX of XXXX. I tried to get refinanced with another company because the interest rate was better than what I had now. I again was turned down by other companies and found out that this company was posting 90 day late charges to my credit account. I never missed a payment with them and havebeen sending the payment by registration mail. I asked the bank if I could give them a partial payment but they want full amount. In XXXX of XXXX they told me they were not going to except any more payments but I still continued sending payment that they destroyed and sent letters saying they had done that. In XXXX this year they indicated they were foreclosing on the house in XXXX. They indicated there no other option for them. I offered 50 % of the amount but they want it in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a claim against XXXX, XXXX, and TransUnion to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's does not correct on XX/XX/23. XXXX responded stating that all information was removed and requested XXXX, XXXX, and TransUnion to remove the same information as well. However, all of the incorrect information still remains. Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

I have no supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sw 715,719 i presum that no proof of the alleged debt nor therefore any such debt in fact therefore exists
Product: Debt collection

15 USC 1692d ( 5 ) Violations In XX/XX/year>, I was contacted XXXX times concerning a delinquent balance for XXXX XXXX and they contacted me concerning a debt at a property Ive never lived at nor do I know anything about this debt. 
Im a victim of identity theft. Email address they have on file is XXXX and Im not associated with that email address nor have I EVER LIVED IN COLORADO! Who is XXXX XXXX and why is their information attached to me? XXXX XXXX has failed to comply with FCRA guidelines and have refused to cooperate. 
Someone or persons have applied for housing, utilities at an address Ive never been associated with, an email address that is non existent for me. On XXXX XXXX I mailed XXXX XXXX a debt validation letter asking for 1 ) Eviction notice SERVED. 2 ) Payment history for this account. 3 ) Lease involved with this address. 4 ) PURCHASE AGREEMENT. 
Ive told XXXX XXXX that XXXX a victim of identity theft multiple times and they have harassed me for months. Multiple calls a day. Ive submitted documents verifying that I have lived in XXXX, XXXX for 5 years with a standing lease at XXXX XXXX XXXX XXXX XXXX, Unit XXXX. They have persistently and repeatedly harassed me concerning this debt. XXXX XXXX has contacted me XXXX times within a 7 day period concerning this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit.

The accounts in question are as follows : 1. XXXX Account Number : XXXX Date Filed : XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$560.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Additionally, I would like to address the following inquiries associated with my credit report : 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
Product: Student loan

I submitted a complaint in XXXX XXXX, case # XXXX after 6 months of unsuccessfully trying to get a clear answer from FedLoan on a repayment issue. XXXX received a response on my behalf at the end of XXXX XXXX. I was not able to access the response online and requested a paper copy. After considering the details provided and researching my own documents, I wanted to dispute the response provided by FedLoan but I have not been able to find a way of doing this online. The aspect that I want clarified is the disparity between the figures FedLoan presented in arguing the case and the figures presented in my original loan repayment agreement, supported by 12 months of direct debits from my bank account. The FedLoan response claims that my repayment in year 1 ( XXXX ) was {$350.00} per month, but their document to me and my bank documents show that the amount was actually {$240.00}. The difference in these baseline figures is what is getting in the way of me understanding all the other calculations made. It suggests that I am not on the repayment plan that FedLoan says I am on - and on which repayment calculations are based. Significantly, I made my decision to consolidate with FedLoan based on the lower figure given to me, not the higher figure stated in the recent dispute. 
As a result of the much increased payments - for which I had not budgeted - I cashed in a small pension to help make the payments which had become difficult because I had to help my XXXX child with her school fees ( without adding to the consolidated loans for my XXXX older children ) and replace household equipment. The impact of that pension cash-in has been to make it look as if my income has increased by {$8000.00} ( even though my actual income increased by only about {$1000.00} ) and so my recalculated payments this year will be even higher. I am in a spiral of increasing poverty with increasing payments and getting further into debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided an opt out notice to all three credit reporting agencies Equifax, XXXX, and XXXX and the information is still being reported. per 15 USC 6802 I have the right to opt out of anything being reported. This is also a violation of my privacy per the privacy act of 1974. These companies stated they would not share my information with any third-party affiliates, and they have. which in itself is a violation.
Product: Consumer Loan

KMF USA has questionable practices regarding payment refunds from consumer/personal auto loan accounts. The lender is practicing deceptive acts by holding funds while still recording the funds released from the account balance. This is resulting in increased interest charges from the lender which is not an accurate or legitimate GAAP. 

A payment refund request was received by their offices on XX/XX/2017, and they claim they complete all payment refunds in 7 business days. On XX/XX/2017, a loan officer informed me that they have just begun reviewing the request as of XX/XX/2017 and I would have to wait another 7 business days for a payment refund to be issued by paper check. 

I have been given too much different and incorrect information from the team at KMF USA. I would like something to be done to make sure they establish a clear cut process and much more user friendly for customers.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information only credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent items from my credit report. Despite my previous efforts to resolve this matter, these items remain on my report, causing significant harm to my credit and financial well-being. I have repeatedly provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. This documentation clearly shows that these accounts were opened without my authorization and are not my responsibility. I have also been in continuous communication with your agency, yet these fraudulent items remain unaddressed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the 3 credit bureaus 's legal obligation to remove any information that is found to be inaccurate or fraudulent. I demand the immediate removal of these fraudulent accounts and any related inquiries from my credit report. The fraudulent items in question are : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

We paid off our loan balance in XXXX and the company still doesn't have our updated balance of XXXX. We have spoken with the company and disputes department, and my wife gave the representatives permission to speak to our bank to retrieve financial information and net credit confirmed that the payment was made. I have proof of this confirmation via email and our previous bank statements. The initial response from a Net Credit representative is located in the attachment " XXXX email - Net Credit XXXX XXXX I have previously disputed this claim with the CFPB and Net Credit has responded with false claims ( located in " Net Credit 's False Claims.png '' attachment ). The company responded to my initial dispute with false claims, which came after I had received email confirmation from a separate Net Credit representative stating that my account was in fact paid in full and that the previous representative named XXXX had been " let go ''. The second email confirmation is located in the attached file named " XXXX XXXX Email - Net Credit XXXX ''. 

The company has responded with false claims pertaining to my submission of the proper documentation that proves the balance was paid in full. I have shared bank statements and a bank representative has spoken with the company to verify that the balance was paid, which is indisputable according to both emails. The company has also falsely claimed that I have been contacted by fraudulent collectors, which is not correct. The email address XXXX belonged to an employee that lost their job at Net Credit. I have been advised that my account will be taken care of. Due to a lack of communication and company oversight, I do not have faith that this will be resolved by the company alone. Given that the company has submitted false claims in their response to my initial CFPB dispute, they are now in violation of Title XII Banks and Banking 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) Subpart B Rules for FDCPA Debt Collectors- 1006.18 False, deceptive, or misleading representations or means - ( d ) False representations or deceptive means. In this section of the United States Code of Federal Regulations it states, A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Given the previous communication with Net Credit 's representatives and the untruthful response to my initial CFPB complaint, it is apparent that my balance was paid in full, it has been verified by Net Credit, and that net credits claim against me is false, and now unlawful according to Title XII.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, I have tried contacting XXXX and Trans Union and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To XXXX and Trans Union of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. 

XXXX has not changed my name with 2 Main Government Identifications. 

There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX Fl, XXXX, XXXX XXXX XXXX XXXXXXXX Fl XXXX, - These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX for Several Years now. CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX " I have worked here for over XXXX, I do not work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX Terrace, XXXX XXXX XXXX Fl XXXX Only Employment : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor XXXX XXXX people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Experian about the incorrect information on my report and disputed it. They did not remove it, but not that there was payments in default. There was also an incorrect Florida address on my account which they have since removed. I just noticed today that the SSN that shows is not mine as well. I will be calling them today to get this problem corrected. It is supposedly from a XXXX credit in XX/XX/2020. I have contacted XXXX and I have no transactions on my account for this year. Since I have no transactions I can not file a dispute. I have been messaging them. They sent me a phone number and again since I do not have a credit card or transaction number they can not seem to assist me. I have also tried calling XXXX XXXX which has the XXXX XXXX account and again since I do not have a credit card or transaction numbers I can not get past the initial computer on the phone call. I have been trying to resolve this incorrect information being placed on my credit report since XX/XX/2020. The biggest problem is that there is no way to file a dispute when you have no transaction numbers or account numbers. I have been on the phone with these companies multiple times and there does not seem to be anyway to get through if your problem is not listed in their short list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XX/XX/2019 i was told that they have 30 days to responded but they have not responded to everything
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. In the period from XXXX to XXXX, my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. 

Specifically, on XX/XX/XXXX, a loan in the amount of {$5000.00} was applied for with XXXX XXXX XXXX. Despite my attempts to dispute the account, XXXX maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. 

I am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX 's data breaches has put me at risk of fraudulent activities, and XXXX 's refusal to acknowledge the possibility of identity theft is deeply concerning. 

I request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.
Product: Student loan

I was sent a email regarding loan forgiveness because it has been XXXX  years. My loans have not been forgiven as of XXXX. What is taken them so long to forgive my student loans. It has been XXXX  years why do I still have students that I am paying on.
Product: Debt collection

I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting

On XXXX XXXX, XXXX I received a XXXX from " XXXX XXXX XXXX, XXXX. '' XXXX XXXX XXXX, XXXX XXXX, TX XXXX for a Debt Discharged of {$33.00}, XXXX. XXXX. I immediately called them and told them there is a mistake, as I have no accounts with them and never had any. They informed me they were trying to collect on a debt from a XXXX XXXX XXXX XXXX, on a credit card that he took out in XXXX. I informed them that XXXX XXXX XXXX had been my husband, but we had been estranged for many years and lived in different states. Also, I told them that XXXX XXXX XXXX had died in XXXX after a long battle with XXXX XXXX. When I received this XXXX in XXXX I called the attorney who handled the debts at the time of XXXX death and this attorney said I was not responsible for any of XXXX debts. He also said that Virginia does n't recognize any debts after 7 years. When I told XXXX XXXX XXXX this on the phone they said they would have the Fraud and Claims Dept contact me. On XXXX XXXX, XXXX I received a " form letter, '' with no signature, from XXXX XXXX XXXX Fraud and Claim Dept. The form letter said the I will be responsible for any balance on the account. Thus I am contacting you for help. I do n't feel I should be responsible for a dead person 's credit card debts from XXXX.