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

This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX XXXX, which was recommended by our realtor. Shelter initially said they could give us a Jumbo Loan at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have two mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the XXXX XXXX XXXX XXXX. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my XXXX credit report. I called XXXX and disputed this report again, but it would take 30+ days to be corrected. In the rush to finish our mortgage before we lost the house ( our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
Product: Student loan

XXXX/XXXX/XXXX. I received electronic notice to recertify repayment plan by XXXX/XXXX/XXXX to avoid payment increase beginning XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX. I did my recertification application online at studentloans.gov XXXX/XXXX/XXXX. I inquired about the status of my application via message through the website of Fedloan Servicing ( my services ). 

No response received. 

XXXX/XXXX/XXXX. I inquired a second time via message through the fedloan servicing website. Waiting for response. I am worried that the deadline of XXXX/XXXX/XXXX will pass without my application being properly processed. 

Thank you.
Product: Debt collection

In mid XX/XX/XXXX I paid a debt owed from XXXX XXXX Hospital through XXXX XXXX XXXX. In XX/XX/XXXX I received a collection notice on my credit report from XXXX XXXX XXXX for this debt which I have already paid. I never received a notice by phone or in writing from XXXX XXXX XXXX concerning this debt. On XX/XX/XXXX I saw that the FTC ruled in a judgement against XXXX XXXX XXXX that they are to remove all parked debt from credit reports. This has not happened. In addition, the debt has been moved to Consumer Adjustment Company, Inc. This was done to circumvent the FTC 's ruling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

XXXX continued Per XXXX request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that XXXX does not apply trickery and delay tactics as they practice on a ongoing process. 

All the issues are real and they need to be held to account.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT FILED FOR THE FOLLOWING ACCOUNTS : 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 I DO NOT HAVE AN ACCOUNT OR CONTRACT WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Agencies are reporting negative accounts that should be deleted, inaccurate information such as multiple addresses, charge off accounts not being removed, and still reporting delinquencies
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I MADE MORE THAN ONE ATTEMPT TO CONTACT THE COMPANIES BUT NO REPLIES.

NOTE : MY PERSONAL INFORMATION WAS RECENTLY COMPROMISED, THROUGH XXXX, XXXX, XXXX, DARK WEB, WHICH I WAS NOTIFIED.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute with capital one regarding a extended auto warrant from XXXX XXXX XXXX. XXXX XXXX XXXX sold me an illegal warranty in the state of California. I provided all documentation to capital one on XX/XX/XXXX to support my claim. I soon after received a refund for the disputed amount {$2600.00}. It came to my attention when my service adviser XXXX reached out to XXXX XXXX XXXX to get repairs done around XX/XX/XXXX. He reports he waited on hold for 1 hour and when asked for VIN they hung up. He called back and waited on hold for 30 minutes before giving up. I tried to reach out to them and was also unsuccessful. I then did a XXXX search and found out they were not a legitimate company. Then on XX/XX/XXXX XXXX XXXX of insurance issues a cease & deceased order because lots of Californians were scammed. Fast forward to XX/XX/XXXX when my card was rebilled. I called cap one on XXXX, XXXX and twice on XXXX seeking resolution. Six months go by after I submitted all the documents I thought they needed, and I received a notification on my phone that my credit card was rebilled. They advised me a letter was mailed explain what was needed. At the time I called I had not received letter. I spoke to a dispute manger who advised me to send over documents proving I paid for repairs and any other supporting documents. I received email link on XX/XX/XXXX, which is when I uploaded additional documents. I called on XX/XX/XXXX and verified documents were received and they would expedite review process. I called back again onXXXX of XXXX spoke with another dispute manager and was advised my case was ruled in my favor. I was advised the balanced would be credited back. This all occurred on a recorded line. I noticed several days went by and my balance had not been reversed. I called back on XXXX of XXXX and was told something totally different. Infact I was told I lost my case because I did not provide correct documents. Capital one has been so inconsistent with providing me information not sure who or what to believe. They told me that no one actually looked at my initial documents I submitted on XX/XX/XXXX. I have been mislead and mistreated. I was also told because I didnt provide correct documents my case was closed. I believe I was not protected after proving my cases.
Product: Debt collection

Bank of America I sent a letter saying that I couldnt pay the amount I received the credit card in the beginning of Covid during that time I lost my job and had no income
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Chase is not responding to my request. 
Chase bank continues to mis calculate my Escrow and I believe they are mis applying it to someone else account. every year for 3 years they have increased my escrow and its not because of an increase in insurance or taxes. it has been all about a shortage. 
They have not responded to my request for a detailed outlined as to when my account was first miscalculated and why.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , INC . ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ) specifically, Cash apl failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was I unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund Transfer Act. ( EFTA ) and Resolution E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1990 Incorrect Employers : XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captail One had a data consumer breach and failed to inform me ; Capital One Data Breach Settlement, otherwise known as In re : Capital One Inc. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX  ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and because you, need your omplaint to tinancial. loss and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates. 

XXXX XXXX - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isXXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical records shared without my permission. Provider refuse to bill federal and state government regarding treatment. See attachment
Product: Vehicle loan or lease

Coerced and manipulated by dealership and lending company to accept predatory loan and fraudulent business practice. They failed to provide proper documentation of fees paid in reference to fees charged, falsified charges " XXXX XXXX '', Usurious interest rate, stress and duress during time of purchase. Violation of Article XV of CA constitution and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied with the way the Credit reporting Agencies dis their investigation. The Accounts I am disputing was never corrected and are still reporting erroneous information in my Credit file. The following accounts are inaccurate and is leading to a negative effect on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting them to take their time and conduct a proper investigation to verify the accuracy of these accounts and correct any inaccuracies. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX - XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  - CARD SERVICE XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

This happened back while I was stationed in XXXX in XX/XX/XXXX-XX/XX/XXXX. Around XX/XX/XXXX, an unauthorized transaction of around 1,400 dollars was made from my checking account and there was a website named XXXXm listed in the transaction info. I called Bank of America, wrote them a letter, and had our JAG office contact them, and I was basically told nothing could be done and that they believed that I authorized the transaction.
Product: Mortgage

Payment made to XXXXXXXX XXXX XXXX XXXX in the state of Illinois for my mortgage with BOA. The check was cashed and NOT applied to the correct account. The company STOLE money from me and caused negative credit reporting.
Product: Checking or savings account

Wells Fargo is getting rich on the backs of poor, and unwilling victims. 


I have requested that transactions not be honored if inadequate funds in account. I wish not to accrue overdraft fees. I opted out of this service and am being charged these fees despite my objection to the service. 

I am being told that there is not option but I was asked if I wanted to decline tis service and have several times. I do not want transactions to clear where there are no funds available to cover the transaction. I do not wish to pay those overdraft fees.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Mortgage

In XXXX of 2015 BB & T took over Susquehanna bank and my mortgage was transferred to a new account with BT & T. I had brought the mortgage current by that time. The terms of the mortgage have the due date as the XXXX of the month with a 15 day grace period. I made the XXXX payment at the XXXX, PA branch. I soon started getting letters and phone calls saying I was past due on the mortgage. I returned the phone calls, went through the data with a representative and thought the matter was cleared up but the next month I received a statement saying I was 2 months behind and started getting phone calls again. I returned the phone call and went through the payments again. This has gone on until I reached I reached XXXX at BB & T and again thought the issue was resolved. I made the XXXX payment on the XXXX of XXXX and thought everything was fine. Then I got XXXX letters dated XXXX XXXX & XXXX and a phone call on XXXX XXXX saying I was 2 months behind and they were going to report it to the credit agencies. When I called them they had to check my account again and said they would start sending letters and making phone calls on about the XXXX of each month if the payment was not made by the XXXX of the month even though the payment is not late until the XXXX of the month. I recently checked my credit report and found they had reported to credit agencies that I was 2 months behind and lowered my credit score even though I have never been behind since BB & T took over.