23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of this year, I received a communication from Freedom Mortgage offering to refinance my existing loan at a lower interest rate. The loan officer assured me that all associated costs would be covered by their company. We proceeded to schedule a closing date for XX/XX/XXXX. However, the day prior to the scheduled closing, I was informed that an additional amount of {$270.00} was required. Despite our dissatisfaction with this development, we agreed to move forward. 

Regrettably, a document that required our signature was overlooked, necessitating the rescheduling of the closing to XX/XX/XXXX. At this point, the amount required for closing has unexpectedly escalated to {$4400.00}. Throughout this process, no explanation was provided regarding this increase, nor were the documents we were required to sign adequately explained. I have made numerous attempts to contact their office to address these issues, but have not received a response during business hours. It appears that the initial loan offer was misrepresented or not as represented.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found several late payment from XXXX XXXX XXXX with account # XXXX, according to 15 USC 1681a ( 2 ) ( 1 ), the terms consumer report '' does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I never late, so reporting late payments on my credit is a volition. I demand that the account updated to pay on time.
Product: Mortgage

To whom it may concern, My wife and I were trying to do a loan modification with our lender, Schools first Federal Credit Union, after receiving forbearance. My wife was laid off and we were getting behind on our payments. We still are behind on our payments and last year when we reached out to Schools First we believed that the Loan Modification was going through the process. Well come to find out all that Schools First did was defer the payments. When we talked to our lender and mentioned to them that we really wanted to do the modification so we can lower our payments. Schools first told us to start the process all over again.
Product: Debt collection

In XXXX of XXXX, I was getting strange phone calls around a collection debt in XXXX NC, I live Pennsylvania. Then I started to get strange medical bills coming to my house, at that point I filed a police report for Identity Theft, I contacted all the medical providers in XXXX, NC, they told me everything was fixed and not to worry. I recently found on my Credit Report that a collection account was placed against me by XXXX XXXX XXXX out of XXXX, NC for {$100.00} ( XXXX ) for a debt that isn't even mine. My credit report is saying a collection account under Finance Data XXXX ( XXXX )
Product: Credit card or prepaid card

I was recently informed by a best buy customer service representative that I 've been paying for debt protection since XXXX of 2009. I never remember nor meant to sign up for this service. I contacted best buy to cancel this horrible service and receive a refund. A couple of days ago I received a notice that debt protection was cancelled but will not be given a refund because I " used '' the service. I 've never used this service and would 've never used this service seeing how I did n't know I had it. This is a scam and I want Best buy to refund my money.
Product: Money transfer, virtual currency, or money service

They didn't give me the {$50.00} they owe me
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 XXXX XXXX XXXX. 

Creditors Bureau Associates : XX/XX/XXXX Balance {$56.00} XXXX XXXX XXXX : XX/XX/XXXX Balance {$90.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnisha account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the follwoing 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 card

Last year, XXXX XXXX, I went to a credit counseling company to get help paying my bills. In XXXX XXXX. They accepted the accounts I gave them, XXXX by Chase was one of them. In XXXX XXXX, XXXX, began withdrawing funds from my checking account to make payments. For XXXX XXXX by Chase they withdrew {$20.00} per month. I stopped automatic payments for the XXXX Credit Card in XXXX XXXX. I found out in XXXX XXXX, that Chase was still withdrawing {$20.00} from my checking account and receiving {$20.00} in payments from XXXX for a total of {$40.00} per month. I want them to stop charging my checking account. I contacted them, I did not know the account was closed.
Product: Debt collection

On XX/XX/2020 I send XXXX XXXX XXXX, XXXX an Affidavit of Truth concerning an alleged debt certified mail that they were trying to garnish my wages.
Product: Debt collection

OK PERFORMANT FINANCIAL C XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX .they damaged my credit report dropping my credit score 35 points. I when from a XXXX to a XXXX. score. I don't know or have I every did business with this company. this is wrong. they have violated the fair debt credit protections act. they did not contact me by phone or by writing. they just did and unauthorized inquiry that has drop my scores 35 points.. I did not give them permission to run my credit .. they need my authorization to look or run my credit ... im going to report the to the attorney general office in CA. I do not recognize this company at all and why or how they ran and unauthorized inquiry on my credit report and damaged my credit report 35 points. According to the fair debt credit collection act. you must stop all attempts to collect on debt and inquiries until it matter is resolved .... you have the wrong person it you wont validate the inquiry you must delete it because I am disputing it in writing ...
Product: Student loan

I requested to have loans discharged due to my forner institutions kicking me out due to an partial investigation conducted after they intervened in an unethical manner
Product: Credit reporting, credit repair services, or other personal consumer reports

please validate this information and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinsertion of Previously Deleted Information under FCRA To Whom It May Concern, On [ I disputed an account reported by [ XXXX XXXXXXXX XXXX XXXX  XXXX account # XXXX ] Ss # XXXX D.O.B XX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the XXXX. 
Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NCAC collections has continually changed the account type from joint to single and vice versa on several occasions, charged me incorrectly, never provided requested information.The debt belonged to my XXXX XXXX  father who has been deceased since XXXX, of which they received the death certificate and they are still reporting on my credit as an open debt. They have not responded to any requests or litigation communication to remove the debt amount of {$5300.00} from my reports. There was more than {$7900.00} worth of electronics and jewelry, etc. stolen while my fathers apartment was supposedly locked down while he was on XXXX. The debt was charged off and they purchased it from the original creditor XXXX XXXX XXXX without my deceased fathers consent.
Product: Consumer Loan

My vehicle was taken in the end of 2013 due to job loss and non payment. I was never notified when the car was taken to auction and sold so I did not get the chance to reclaim it. 
Than the finance company then at a later date claimed a XXXX for the remaining balance in my name and now they are reporting it as a new open debt for the money that was already given to them based off of that XXXX that I was taxed on. They have also put that " debt '' on my credit from a recovery company so they are reporting the " debt '' twice showing more, different negative reporting on my account for the same debt. The company that sold me the vehicle also re structured my paperwork 3 times when I signed up for the car, causing my monthly payments to be more than I originally agreed to which is another reason I could n't make the payments. The payments were almost XXXX more than I agreed to.
Product: Mortgage

I reached out to loan depot on XX/XX/2020 and spoke with XXXX XXXX. I gave her all of my information to refinance my home loan she got me an interest rate of XXXX. The following day another lady I had been trying to get ahold of called me back and got me a rate of XXXX with a buy down cost of XXXX. Well of course Im going with the lower rate, so I left a message and emailed XXXX to let her know Id found a better rate and was choosing to go with my local agent. She called me back later in the afternoon on XX/XX/XXXX and was very snotty and condescending. She told me she had spent a good deal of time with me the day before and that when she got my message she matched the rate and told me Id be getting XXXX cash at closing thats just how it worked out with the new rate and Id ruin her weekend if I didnt stay with her. I should have gone with my instincts but she was very pushy and made me feel bad so I trusted her to keep her word. I called her again on XX/XX/XXXX since the numbers I was receiving for fees wasnt adding up to my local agents totals which I had sent to her. She assured me the XXXX would be credited to my loan total since nobody wants cash at closing she said, but she couldnt look at my file at that time since the processor was in the loan now. Turns out she lied about the XXXX to keep me and instead of charging me the XXXX for the buy down she charged me XXXX. Then at closing I had to pay closing XXXX XXXX! I emailed the processor XXXX XXXX, asking him why I had to pay when I was told I didnt have to pay anything. His response was I should not of had to pay anything at closing and I asked him where my XXXX were to which he said he knew nothing of a credit but included zsaleh in the email to get an answer. The following day XXXX sent me an email that she was confused by my question to which I told her if she was so confused she should go back and listen to our recorded conversations. She then sent back the following day and a Friday, that she thinks she knows to what I was referring and that I was mistaken it was just an estimate. Lies!! Then they funded first thing Monday so I couldnt cancel. I filed a report with the better business bureau to which I have heard nothing.
Product: Checking or savings account

I reported my card lost or stolen When I return home from a trip I contacted chime bank inform them of transactions that we're posting that we're Not authorized. I also provided them with a police report number Once I received the email from them telling me that these transactions would not be reversed I requested of all information that was obtained for them making that decision.. I also requested at the time a new debit card I changed my pin. I even went to appeal the original decision not to reverse the charges as of this date my account has been closed I'm still to receive any type of written documentation for them supporting that decision to deny every single claim. When I called back to customer service and spoke to representative and I asked her what evidence supported you your claim to deny my request for reimbursement And was told then that actually no information other than the information I provided to them Was considered.. I am lost as to how a company decides decides to not Remember me for unknown spice transactions when they never requested a copy of the police report and police report and I told them that that these transactions were we're unauthorized because I was not for example in XXXX XXXX so I was not buying gas in XXXX XXXX I was not Spending money for XXXX  for 2000 and then was told that my deny was my my my claim was denied but but then I received a message from XXXX informing me is that a That a charge back is being issued by from my bank I was more concerned with the fact that I was now receiving an email from a company that I haven't signed up for
Product: Credit reporting

After Transunion deleted the illegal XXXX CONNECTED TO A XXXX XXXX from XXXX, which i have NO BUSINESS WITH, they inserted now an account that I assume was associated with it, they refuse to block the account and as such I have asked them too without any response. Why would you block a fraudulent inq then allow the account to appear. XXXX and XXXX both did not allow such account to appear. In the enhanced Inq section of my hard copy report it listed the information as XXXX XXXX, " SYNTHETIC FRAUD '', I want this account blocked ASAP.I have filed a complaint with the FTC, ID Theft Center, Privacy Rights, and CFPB prior. Transunion refuses as always to assist victims in there XXXX rights, further I have filed numerous police reports and XXXX INSPECTOR REPORTS. The account is numbered XXXX and listed as XXXX,
Product: Credit reporting or other personal consumer reports

As of : Today XXXX XXXX XXXX XXXX In assurance with the fair credit act convergent account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructio
Product: Student loan

I have 4 student loan total and only 4 and they are on my credit report 12 times. I dont understand. XXXX XXXX held them originally then they were sold to Navient and now they are with the XXXX XXXX XXXX. Each account listed is a duplicate with each provider. So the negative information shows up on XXXX XXXX 4 student loans. same 4 account and negative info under Navient and the same 4 under XXXX XXXX XXXX. 

How do I get all the other loans removed except the 4 student loans that I have.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a request I received during a phone conversation with an Equifax supervisor. The supervisor informed me that in order to verify my identity and access my Equifax online account, I would be required to send a copy of my Social Security card and/or a W2 and/or a 1099 form to a po box .

Details of the Situation : Requesting Party : Equifax Method of Contact : Phone conversation with an Equifax supervisor Requested Information : A copy of my Social Security card and 1099 form Method of Submission : Sent by mail to a po box ( address provided during the phone conversation ) Reason for Request : To verify my identity in order to log into my Equifax account I am requesting the CFPBs assistance in investigating this matter for potential violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Identity Theft Protection Laws. During the phone conversation, the supervisor did not provide an adequate explanation for why these sensitive documents were required, nor did they offer a more secure or reasonable alternative to verify my identity. 

My Concerns : XXXX. XXXXnappropriate Method of Verification : I believe that this request is not consistent with standard practices for identity verification, which typically involve using the last XXXX digits of my Social Security number or answering security questions. 

XXXX. Security Risks : Sending my Social Security card and tax forms to a po box is an unacceptable risk for identity theft and fraud. 

XXXX. Failure to Provide Adequate Alternatives : I have not been provided with a reasonable alternative for verifying my identity securely without sending sensitive documents through mail. 

I am requesting that Equifax be required to provide me with a safer, more reasonable method to verify my identity without compromising my personal and financial information. 

Request for Action : XXXX. Investigation of the Legitimacy of the Request I request that the CFPB investigate whether this request from Equifax violates any consumer protection laws, such as the Fair Credit Reporting Act. 

XXXX. Alternative Verification Method I request that Equifax be mandated to offer a more secure and standard verification method, such as online identity verification or answering security questions. 

I would appreciate it if you could look into this matter promptly and advise me of my options moving forward. 



Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have explained to the medical billers and then the Medical Business Bureau collections agency via letters on XX/XX/XXXX and XX/XX/XXXX and via phone on many other dates, that I signed an agreement at The XXXX Hospital in XXXX, TX when I was administered treatment for a XXXX XXXX, stating that I would only be billed the amount that they were charging to my credit card that night, which was {$150.00}. 

I explained and offered proof that I paid this amount on the night of the treatment and have repeatedly stated that the agreement that I signed at the hospital promised that I would not be billed anything other than the {$150.00} that I paid at that time. I made it very clear at the hospital that I would not allow anyone to treat me without such an agreement as I do not have insurance ( and I was not even convinced that I needed any treatment ). Unfortunately, there is a real problem with hospitals routinely sending additional surprise bills after treatments where payment has been already rendered. This has happened to me before, and this time I wanted to be very careful to prevent this happening again. 

I explained to the medical billers and this collection agency that they are legally required to produce a document that I signed, stating that I would pay what they are asking me to pay. I know that at the hospital that the administrator attempted to have me sign documents promising to pay for various treatments that I refused. Therefore, I am 100 % confident that there are no documents that were signed by me stating that I would pay anything beyond the {$150.00} that I paid at the hospital. 

I explained to everyone who attempted to extort further payments from me in relation to this treatment that pursuant to the Fair Debt Practices Collection Act, section 809 ( b ), they must cease to collect unless and until they mail a copy of the verification of the debt to me ( the consumer ). They were unable to produce such documentation and they stopped harassing me with letters and calls after that. 

Now, suddenly -- three years later -- -on XX/XX/XXXX the Medical Business Bureau has improperly reported this collection to my credit report in a derogatory manner in two separate reports. This improper reporting has kept me from getting an auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was hacked thru the equifax breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX, Account Opened : XX/XX/20, 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
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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