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

1. XXXX XXXX : XXXX 2. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 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 According to 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 have submitted several letters and complaints to XXXX XXXX XXXX XXXX and the credit agencies with regards to an account that was opened XX/XX/ 2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.
Product: Checking or savings account

I had been banking with BBVA COMPASS ( now BBVA and no problems in the past, actually was extremely happy with them, when i opened my account everything was great and i CLEARLY opt out for the overdraft protection, time after i switched bank accounts, and left my checking account with bbva as a backup, with my confidence that is a free account and i OPTED OUT of the overdraft protection, now few weeks ago tried to log in and see my account and its on XXXX but i can not use it, and i called in customer service they said that my account is negative and no longer available, they transfer me to the recovery department they told me that i need to pay XXXX because my account was overdrawn for a long time, i tried to explain my situation and they dont help me at all, they told me that they can help me at the branch, so i went to the branch located in XXXX XXXX, Texas @ XXXX XXXX XXXX and the guy at the main desk ( XXXX ) offered no help at all, he mentioned right away that they can not do anything for me, i tried to explain him that it wasnt my fault, that i was not aware of the situation, a payment, which i switched before, went through, declined, and caused me that, but again, i opted out for the overdrawn protection and was not aware of this practice. So at this point i tried to ask for help for all the means ( phone, manager,  branch ) and BBVA offers me no help, and the only thing that i want is my Bbva checking account again ...
Product: Mortgage

My mortgage servicer, Carrington Mortgage Services , LLC, failed to capture the XX/XX/XXXX {$250.00} property tax deduction from the Township of XXXX in the XX/XX/XXXX escrow analysis, resulting in an incorrect shortage and an increase in the monthly mortgage beginning with the XX/XX/XXXX statement with payment due on XX/XX/XXXX going forward. 

Additionally, Carrington Mortgage Services , LLC after updating their system to reflect the correct names ( XXXX XXXX XXXX and XXXX XXXX XXXX ) on the mortgage of record based on the XX/XX/XXXX assumption, modification and partial claim indicated that any excess escrow disbursement check would be issued to XXXX XXXX XXXX and XXXX XXXX XXXX. Any excess escrow disbursement check from XXXX should be issued solely to XXXX XXXX XXXX, since I as the principal borrower alone and homeowner am eligible and entitled to participate in an to receive the New Jersey Tax Reimbursement Program, the New Jersey Homestead Rebate Program, the Veterans property tax deduction, the Disability property tax deduction and/or the Senior property tax deduction from the Township of XXXX. Additionally, my name alone appears on the Deed. 

Thirdly, XXXX in updating their system to drop the names of the original signatories ( XXXX XXXX XXXX and XXXX XXXX XXXX, my deceased parents, to reflect the names that appear on the mortgage or record ( XXXX XXXX XXXX and XXXX XXXX XXXX ) based on the XX/XX/XXXX assumption, partial claim and modification, the servicer changed the correct property address ( XXXX XXXX XXXX, XXXX, NJ XXXX to the mailing address ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). 

Despite having contacted Carrington Mortgage Services , LLC on numerous occasions, including submitting a written request to the Carrington Research Department, these issues to date have not been addressed and resolved. Therefore, I am submitting this formal complaint against Carrington Mortgage Services to the CFPB. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Checking or savings account

Disputed the following information to Current. 

Bank XXXX : Current- a financial technology company. 
XXXXXXXX XXXX is the sponsor bank for Current Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Current Card XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : {$3.00} XX/XX/XXXX - XXXX Reader : {$15.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$21.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$51.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX - XXXX XXXX XXXX  - {$23.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$12.00} Total Amount of Fraudulent Charges : {$330.00} Action taken from Current is returning only : {$3.00} from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

Email Sent to Me from the Dispute Team from Current : XXXX XXXX, XXXX, XXXXXXXX XXXX EDT Hi ( Name ), Thank you for reaching back out to us. 

Per our investigation, cash load funded XXXX. No spending velocity, transactions were made within a timeframe of more than XXXX hours. No fraudulent activity found. For XXXX, XXXX result XXXX. For XXXX, phone last XXXX matches. For XXXX and XXXX, fits XXXX spending habits with fast food restaurants. No error found. Case closed. Part XXXX : Dispute dept. received dispute with XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00}, settled on XX/XX/XXXX. UNAUTHORIZED. XXXX XX/XX/XXXX. Per our investigation, merchant sent full credit on XX/XX/XXXX. Error found. Fraud report added. Case closed. 

We take our dispute claims very seriously and investigate them with utmost precision and integrity. While we understand the outcome of the investigation is not what you had expected, unfortunately this decision is final. 

We thank you for your understanding. 
XXXX Sent Email Back on XXXX XXXX, XXXX, XXXX PM : I can provide additional receipt on my travel expenses that have time stamps and locations. I was on a business trip on behalf of my employer in upstate New York. Please let me know what can I provide to you that will validate my fraudulent charges. The only time I have used my virtual card via XXXX XXXX to pay for a car wash in XXXX NY that has my XXXX location. I assumed all virtual transactions couldnt be processed unless the XXXX XXXX validated my presence. My company card couldnt cover that personal expense. I dont want to escalate it to external parties due to inconsistent data sets that isnt matching any spending patterns that match any businesses that I conduct business with. 


No response after the email was sent to them.
Product: Credit card or prepaid card

I lost my credit card then I reported to Bank of America. There were multiple charges have made not by me. I was asking Bank of America to help but unresolved. I have already contacted with merchant a few times but no results. Please help!
Product: Debt collection

Good evening, On XX/XX/XXXX I received my credit report and became alarm at two collection activities on my credit reports. One of the collection activities was opened on XX/XX/XXXX in the amount of {$600.00}. The second collection activity was opened in XX/XX/XXXX in the amount of {$160.00}. I called to inquire about the debt and to find out who the original creditor is. I was told I had to identify myself by giving my ssn to the representative on the phone. I refuse to give my ssn and asked if I could speak to a manager as I wanted to ask questions about the alleged debt but the rep hung up on me. I have investigated and learned the collection company is Enhanced Recovery Corporation and are not license to collect in the state of Tennessee. I have written letters to stop further collection activities and phone calls but contacted today at XXXX XXXX. This company is practicing illegally in the stated of Tennessee.
Product: Debt collection

accounts were opened in my name, and do not belong to me. Please delete.
Product: Mortgage

I submitted a complete loss mitigation package to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper sent us a denial to our loss mitigation request stating that they did not receive the request prior to 37 days of the scheduled sale date. They did receive the request 38 days prior to the sale date and I have an email confirmation stating that. On XX/XX/XXXX I submitted a complaint through the CFPB portal regarding this. On XX/XX/XXXX, I received a response to my complaint where Mr. Cooper acknowledged that they did in fact receive my application for loss mitigation outside the 37 days, however they are now claiming they did not receive a complete package. 

I responded to their answer on XX/XX/XXXX asking what was missing from the application package as I had sent everything that was requested on their website. I also informed them that on XX/XX/XXXX, in my online account when I clicked on " Online Application '' I received a pop up stating " We have enough information to expedite your application to underwriting, would you like to submit? '' On XX/XX/XXXX I received a response to my XX/XX/XXXX letter and Mr. Cooper failed to respond to anything in my letter. I am asking that they address this complaint and review my account for loss mitigation options as they should have done in XXXX.
Product: Credit card or prepaid card

I have 2 different store credit cards with same bank, Comenity Capital Bank. For both store credit cards, every month when I log on to make a payment, their online sites will not allow me into my accounts. It locks me out of my account. It also will not let me pay my whole balance off. I have screenshots of this. This company harrasses me with non stop phone calls all day!! I just want to pay off my balance and close the accounts. I have no problems with any of my other credit card companies or store credit cards. This bank is beyond shady.
Product: Debt collection

I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.
Product: Student loan

My private student loan is through CitiBank, Citi Assist loan. XX/XX/2016, the interest rate went up on my student loan by .25 %. That is fine. BUT, my payment more then doubled. I went from paying {$130.00} a month with a 4.25 % interest to {$320.00} with a 4.50 % interest rate. This seems WRONG correct? They were not helpful. They suggested I do a direct debit to reduce my interest down .25 %. So I did. My interest went back down to 4.25 % ( my original interest ) and now my payments are {$130.00}. So basically I am getting screwed by them because none of this makes sense. I firmly believe this new payment of {$130.00} is WHAT I should have been paying with the interest increase. They tried to double talk me when I asked about my new payments after the interest hike and they were not helpful and did n't do anything. I am very scared about the next interest increase and what they will come up with for my payments.
Product: Debt collection

On XXXX/XXXX/XXXX I sustained an animal bite and was directed to the XXXX XXXX Department where I received XXXX XXXX. Before being XXXX, they updated my medical insurance information and contact details. 

In XXXX XXXX my medical bill for {$2900.00} was still showing as outstanding in the hospitals patient portal, so I contacted XXXX and they instructed me to contact my insurance company, XXXX, as the payment had not been received yet. XXXX said they never received a claim from XXXX for this ER visit and instructed me to file the claim personally, which I did. I used the online interactive form and forwarded the claim documentation to the insurance company and to XXXX. Both XXXX and the XXXX XXXX XXXX XXXX department confirmed receipt of my claim and I kept both organizations on copy in my e-mail filing the claim. 

I had used the same insurance with XXXX previously and I did not have to file the claim myself - XXXX billed the insurance company directly and received the payment without me getting involved in the claim process at all. 

In XXXX XXXX I received a letter from XXXX XXXX XXXX informing me that XXXX XXXX XXXX have placed my account with XXXX XXXX XXXX for collections. I tried contacting XXXX to clarify, but every time I call, my call is routed to XXXX XXXX instead of XXXX and I was informed that I would not be able to speak with an XXXX representative.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name 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 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

I do not own this card. I did not apply for this card. When I receive this card in the mail back in XX/XX/year>, I immediately called XXXXXXXX XXXX XXXX and told them to cancel it because I did not request it. Ive called them XXXX times after. XXXX XXXX, twice in XXXX and XXXX. They finally closed it in XXXX. However, theyre charging me for an annual fee even though I never used the card. I never apply for the card. XXXXXXXX XXXX XXXX advised me that I had to fill out an affidavit stating that the credit was not mine so I did, but they are still reporting this credit on my credit reports. I am now being reported as being XXXX + days late for a card I never activated. I am trying to buy a house and this has caused me great issues.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach in below attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to the TransUnion credit report I received saying that XXXX XXXX has been verified. I have contacted TransUnion endlessly regarding the removal of XXXX XXXX from my credit report. This is an erroneous and fraudulent account. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as the identity theft report from the FTC for this fraudulent account. I have also included a copy of my XXXX report showing that XXXX  has done their due diligence by deleting XXXX XXXX from my report with them. If TransUnion comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK this fraudulent account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, a the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can 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 XXXX 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: Mortgage

I was on forbearance due to loss of income because of COVID. At the end of my forbearance, I was given a few options on how to proceed. I chose to due a loan modification. I was put on a trial where I had to make 3 payments at a reduced amount. The payments were made XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the last trial payment was made on XXXX XXXX, XXXX. I was told it would take 30 days to process the loan modification once the last trial payment was done. Well we are now at 90 days and 5/3 Bank which is whom I have my loan with still can not tell me what my status is. I have called several times but I am told it's pending. In the mean time, I get mail stating I am delinquent. And I want to make sure I do not lose my home. I have asked to speak to a supervisor, but have not been able to. I have also tried talking to XXXX XXXX at XXXX. She is supposed to my " designated Customer Care Team Specialist '' to no avail. The customer care specialist I did speak to today found it odd, just like the previous two customer care specialist. They have been nice enough to say that they will speak to a supervisor to see if they can get me answers, and that they will call me back. That has not happened yet. Again, I do not want to lose my house and I am not getting any answers but I keep getting mail that I need to act before I lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I went to a car dealership to sell my car that was purchased through Capital One Auto Finance. The dealership and myself contacted Capital One to get the pay off amount and to facilitate the sell/purchase of the car to said dealership. 

On XX/XX/XXXX it was reported that my account payment was late... although we spoke on XX/XX/XXXX and sold the car to the dealership. I have contacted Capital One expressing this. Even in their OWN records it shows they deposited the payoff amount of {$28000.00} on XX/XX/XXXX - BEFORE they marked my account as LATE - of which I have never been late on a payment across the entirety of my credit profile. I mailed them, infor mation pertaining to this to no avail, so here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XX/XX/XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
Product: Credit card or prepaid card

Filed against : XXXX XXXX Complaint Description : Mystery account for SYNCB/WALMART DC appears on my credit report. I have never sought credit from SYNCB NOR WALMART. FROM XXXX - " .. Company Name : SYNCB/WALMART DC Company Address/Phone : XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Last Activity : N/A Type : Revolving or Option Rate/Status : Pays account as agreed High Credit : {$3600.00} Terms : N/A Balance : {$14.00} Past Due : {$0.00} Most Recent Date Reported :XX/XX/XXXX Comments on Account : Credit card, Amount in H/C column is credit limit .. " DISCOVERED THIS ON MY CREDIT REPORT. I HAVE NEVER SOUGHT CREDIT FROM SYNCB NOR WALMART. SENT THE FOLOWING LETTER ON XX/XX/XXXX- " .. To whom it may concern : OnXX/XX/XXXX, I began credit monitoring under XXXX . After which time I have noticed a credit account on my report that I have no knowledge of. This account is ... Syncb/Walmart DC I have disputed this account with XXXX. Your response to their investigation was to report that this account belongs to me. It does not. I have never applied for credit with Walmart, GE Capital Retail Bank, nor XXXX XXXX I am contacting you to request written proof regarding this account, including the original agreement. I make this request, pursuant to Section 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ). I attempted to pursue this by phone, ( ( XXXX ) XXXX, ( XXXX ) XXXX ), but after 3 transfers, your agent hung up on me. I am sending this via tracked mail.
Your Desired Resolution : written proof regarding this account, including the original agreement.
Product: Debt collection

It has come to my attention that AMSHER COLLECTION SERVICES has placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. AMSHER COLLECTION SERVICES has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Not only did they place a collection on my consumer file illegally, they also have not provided validation information under 12 CFR1006.34 ( b ) ( 5 ). I am formally requesting that AMSHER COLLECTION SERVICES provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If AMSHER COLLECTION SERVICES is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. I trust the Consumer FinancialProtection Bureau will thoroughly investigate and address these infractions.