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

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

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I carried the company directly to get a hold of an agent. I get an automated system that gets me no where. I opened a dispute on there website and it doesnt Car Refinanced in my credit report. I got an alert from there company about the refinancing, but am unable to dispute the refinancing. I have contacted the credit union about the refinancing. They claim to have sent a report to the credit bureau. I have not received an email saying they have started an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX CRED ( Original XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On three occasions I have submitted my monthly mortgage payment to BSI. I have received confirmation emails each time. The funds have not been taken from my account and I continue to receive delinquent payment notices. I have contacted BSI and received no assistance. 

Dates payment confirmed as processing : - XX/XX/2020 : {$1600.00} - XX/XX/2020 : {$1600.00} -XX/XX/XXXX: {$1600.00} Online form to BSI requesting assistance and follow-up : XX/XX/2020 Delinquent Notice letter dated XX/XX/2020 despite two previous payment confirmation emails.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>XXXX  and I have noticed there are things reported there that are incomplete and not accurate. I sent a letter to Experian on XX/XX/year>XXXX  and asked them to investigate the completeness and accuracy. I have received the results and I have noticed they did not fix anything. There braking the law. 
According to 15 USC 1681e ( b ) it states that ( b ) Accuracy of report. Whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So when I asked EXPERIAN to provide me with description on their investigation, they didn't do that as well, they only sent me the updated credit report and no explanation. 
According to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian ignored me and have not provided with such response. They are breaking the law. 
According to 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted form the file of the consumer. 
According to 15 USC 1691s-2, it states that ( A ) Reporting information with actual knowledge of errors, A person shall not furnish any information relating to consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shal not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
These actions are very unfair to me. Please help me fix this situation.
Product: Debt collection

- Debt collection agency called my work office, which I have not shared with any of my loan institutions. Coworker took the message, and they would not disclose who they were or for what reason they were calling. 
- Call began by asking for my date of birth and full Social Security number without specifying : a ) who the caller was ; b ) what they wanted ; or c ) why they needed this information. 
- Refused to speak with me without the aforementioned identification information. 
- Representative informed me that I was being contacted by a debt collector, Delta Management Associates , Inc., and that they worked for the US Department of Education. 
- Representative stated that my federal student loans had defaulted, cited an amount I believe to be greater than the amount I had taken out. 
- Asked if I could pay the loans back in the full amount today ( nearly {$42000.00} ). Asked if paying {$35000.00} was more amiable. 
- Offered to sign me up for a " rehabilitation '' payment plan, in which I would pay somewhere between {$5.00} and {$240.00} per month for 9 months, after which I would be reassessed for a different amount by a different debt collection company. 
- Asked for address information, salary, monthly expenses, family members, and information about assets, two weeks of signed pay stubs or a signed XXXX for the current calendar year. 

- I had consolidated my loans in the past and am currently paid up. Informed the representative 's supervisor that I would need to confer with my cosigner to ensure that the claims they made were true. Supervisor informed me that these loans are not " cosignable, '' so the point would be moot. She then told me that if I did n't respond then there would be " certain involuntary actions '' taken ( eg. wage garnishment ) and asked that I respond within the next 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I raised a dispute regarding a credit card thats paid in full but is still currently showing a balance. I have provided proof of the card payment twice and in disputing Experian has since decreased my credit score by XXXX points. This is not fair to me nor my credit score.
Product: Mortgage

AmeriHome Mortgage Company managed my mortgage until XXXX when I refinanced with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX paid off the mortgage and a new loan was created with XXXX XXXX. 

On XX/XX/XXXX, AmeriHome also withdrew the XXXX Mortgage payment. 

I immediately notified AmeriHome Mortgage Company and asked about my escrow and a last payment refund. The escrow refund was received at the end of XXXX, but the XXXX overpayment was not processed. 

I called every week ( at least twice a week ) and inquired about my XXXX mortgage refund. I had to escalate my problem to supervisors and still did not receive my refund of the overpayment. I was incorrectly advised that the overpayment would be refunded with the escrow ( it was not ). After the escrow payment, I continued to call and request the XXXX mortgage payment. The payment was finally received after XX/XX/XXXX ( more that 45 days after the total loan was paid off. ) As a senior citizen that {$1000.00} plus extra plus mortgage payment puts a burden on me, so I continued to call AmeriHome for a refund of my overpayment. I even overdrew my checking account waiting for this refund. 

I advised them that I would be filing a formal complaint and they advised me that I was not entitled to any late fee or interest. If my mortgage is late, they would charge me interest so their failure to refund my overpayment immediately ( despite numerous calls and complaints ) should include interest.

I discussed filing a formal complaint with the company and they advised me to write the president of the company and that is why I am writing you to escalate my concerns to the president of AmeriHome Home Mortgage.
Product: Payday loan, title loan, or personal loan

Good afternoon as always, I make my payments on time XXXX usd,  over a 2.600 loan that I took back on XXXX, XXXX representative told me that I can pay more money in addition to my monthly payment in order to decrease the principal amount, the interest rate is 179 % insane but I agreed, anyway when I make a payment with extra money it never goes to the principal, and when it goes to the principal they take between 10 to 15 days even a month to be reflected in the principal amount, so when is time to make the monthly payment they charge me 179 % over the principal they had to has decreased already because I make an extra payment the last cycle, but I does not, they apply 179 % to the old principal amount, and once I make the payment days after the extra money appears and the principle never goes down. 
I pay XXXX usd every month in addition of that I always pay XXXX or more, supposedly the XXXXusd are interest for XXXX usd with 179 %, logical if I pay XXXX additional the principal should goes down XXXX or even a little be more, but with XXXX never happen you call them and they make up arguments, fees and a bunch of things that you never agreed with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX inaccurately listed bankruptcies on my report. I did not file a XXXX XXXX bankruptcy filing, XX/XX/XXXX. XXXX XXXX bankruptcy filing XX/XX/XXXX. This information has been disputed over 6 times and has crippled me financially. I need this removed as soon as possible. I have already contacted a lawyer about this matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first problem with Experian is that I have filed a dispute in regards to two items on my report. The first one was for XXXX XXXX XXXX. This is a company that I have not done business with. They said they did a re-investigation and found that it meets the Fair Credit Reporting Act. I ca n't see how since I never did business with them. But, they said they " updated the information '' to read XXXX XXXX as the creditor with original creditor as XXXX XXXX. I have not done business with them and do not know what this is. 

The second is a medical collections account for my daughter. The creditor is listed as XXXX XXXX XXXX. This is from a bill that is her father 's responsibility. He has called them and taken responsibility and set up a payment plan with them. We are divorced and he is to pay 60 % of her bills. This is one that was his to pay. Since he has called and taken responsibility, I do not understand why they would put it on my credit. It is not mine to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX  XXXX opened : XXXX XXXX, 2022 amount : {$6800.00} I called this company but no respond.
Product: Student loan

Applied for student loan forgiveness several times thru the department of education within the last two years and also thru my new loan servicer aidadvantage formally known as XXXX  and every application has been denied without providing sufficient information as to why i did not qualify for forgiveness. My loans have been in the repaye program but are still reporting as late payments on my credit reports even though my payment amount is {$0.00} per the repaye program that I'm enrolled in. I'm also showing on my credit reports that my loans are now deferred which I did not request to be placed in.
Product: Credit card or prepaid card

Prior to XX/XX/XXXX, my husband and I had credit cards ( gold ) from American Express, but administratively, the card is in my husband 's name with myself named as a second card holder. In XX/XX/XXXX we inquired about getting our cards upgraded to platinum. We were told that the primary card holder would get a platinum card for an increased annual fee of {$550.00} but my card would need to remain a gold card unless we wanted to pay an additional fee of {$170.00}. The only way that I could be the platinum card holder ( instead of my husband 's ) was if we closed my husband 's account and opened a new account under my name. We were told if we opened the one platinum card under my husband 's name that we would get reimbursed the {$150.00} we paid to access the XXXX XXXX on XX/XX/XXXX as well as have immediate access to their XXXX  credit deal ( up to a {$15.00} credit for using XXXX ). Neither the {$150.00} reversal or the {$15.00} credit was provided. I called XXXX  back in XX/XX/XXXX and stated that per my previous discussion with their customer service line I would like to close my husband 's account and open a new platinum account credit card in my own name with my husband as the secondary holder. At that time I was told that we were misinformed and that the secondary card would be free. Based on this information I agreed to sign up for a second platinum card - and stated multiple times throughout the call that I was only doing so because it would be free ( or at least just cost {$550.00} per annum in total ). While I have seen the marketing / customer information regarding a second card costing {$170.00} - I was specifically told that I was going to be free because I would not be getting ALL of the benefits of a platinum card holder, but I would get access to the airport lounges and would have a new card issued to me. Upon seeing a charge of {$170.00} for the second platinum card in XX/XX/XXXX I realized I had been charged, both in XX/XX/XXXX ( for a prorated amount of {$100.00} ) and XX/XX/XXXX, after being told that I was being signed up for the card for free. I called American Express to complain. They wouldn't do anything about the charge in XX/XX/XXXX but stated that they would remove the charge of {$170.00} that was incurred in XX/XX/XXXX. I asked that they review the taped recording of the original discussion to prove that I was lied to in the initial call and they agreed. They have not followed up on this request to prove that the XX/XX/XXXX expense was incurred in error. I have yet to have either the XX/XX/XXXX or the XX/XX/XXXX expense reversed on my credit card bill.
Product: Debt collection

I was called by a company called XXXX on XX/XX/2017 at XXXX in regards to a defaulted loan through Check Into Cash in XXXX. I explained to the collector that i am homeless and have been since late XXXX and he started swearing at me and calling me a liar and threatening to have me arrested and sued. His behavior was abusive and hostile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX : {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Company wrongfully furnished my credit report with information thats not true about me. This isnt my account.
Product: Debt collection

I was called on XX/XX/XXXX by a debt collector, they are calling from a Tampa, Florida number. They told me the conversation would be recorded and I did not consent to the call being recorded as Florida is a double consent state. They then would not tell me who they were and what they were calling about until I had to call back to see who they were. They stated they were trying to collect a debt from XX/XX/XXXX from M and T bank. I had explained that I am no longer liable for this debt due to being over 10 years and they continued to argue with me saying I need to get my affairs in order and pay the debt. I receive constant phone calls from them even after telling them on a recorded line to stop calling. I do not know how they got a hold of my personal cell phone number as it is not a public listed number.
Product: Checking or savings account

I had a bank account with ALLY bank from XXXX, in that time I had used XXXX through their app, and it was tied with a token to my phone number and email. 
when I canceled my account in XXXX, the tokens that were attached to the XXXX  account were not released, and now i can not use XXXX  with my email and phone number. 

when contacting XXXX they assured me the only way to use my information was if ALLY bank remove the tokens, i called ALLY bank to remove the tokens, verified my identity multiple ways and ALLY bank confirmed that the tokens are still withheld within there system but that they CAN NOT remove them due to fraudulent activity reported on the account back in XXXX. 

so now a bank that i am not a customer of any longer has my information and tokens locked and will not give me information as to why, or as to how to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that unauthorized accounts and inquiries have been added to my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries to Be Blocked : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I do every year... I go online https : //www.annualcreditreport.com/index.action to get my credit report. Which I must say is getting harder and harder ... to get. 

Upon filling out all required information I receive 2 credit reports but TransUnion. I follow the instructions, and per instructions I sent transUnion a letter with what they required on the instruction online. 

After several days, I get a letter from TransUnion requesting more data [ phone, address, etc... ] but no credit report. I refuse to provide TransUnion any further information, since they are in the business of selling information to third parties & the public through their their service XXXX. Which honestly I think it should be illegal and CFPB or any other consumer protection agency should look into this and have them stop. How is it that a Reporting Agency that gathers and suppose to keep information private ... Can proceed to sell private citizens information it collects for a profit .... 

Very bad ....
Product: Debt collection

I have previously disputed these ( XXXX ) accounts for various reasons and have yet any resolution. 

Acct -- XXXX I never received any initial notice of debt nor right to dispute. I have asked for this proof several times and have never received it. They claim they do not need to provide that to me ( see CPPB case # XXXX ). I disagree- if they choose to claim I owe money and report negatively on credit, they need to furnish allinformation I request. We have moved several times. Do they even have the correct information? Can they verify? Can they collect? 
2- On XXXX/XXXX/2015 I filed a complaint with CFPB ( Case # XXXX ) in which XXXX responded ( response date XXXX/XXXX/2015 ) that they mailed me " proof '' on XXXX/XXXX/2015. How could this possibly be? They are claiming that they mailed me documents two weeks before I even opened a case against them. This is false. Also, to this date, I have yet to receive any documents. 
3- I sent a dispute to their response and did not hear back. Their facts above are wrong. 

Once again, because of inconsistencies and false information provided above ( refer to case number and dates above ), I am requesting immediate removal of these items from my credit reports.