23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I printed the online Annual Credit Report Request Form & submitted copies of all the info they required : SS card, pension stub, XXXX form, driver 's license & utility bill. This was mailed XX/XX/2015. Their form notes that this will be processed within XXXX days of receipt, & if there are any issues w/ my submitted material, they will contact me. There has been no contact & I have not received the Equifax report I requested as of today -- XXXX XXXX. When you call this company 's number, you not only can not receive a " person, '' but the telephone tree does not allow a provision for " status of credit report request. '' So I have all of this sensitive info adrift someplace making myself a prime candidate for identity theft -- exactly what I was trying to avoid. Note : All was mailed to Annual Credit Report XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. Their telephone # : XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

ISSUE # 1 I have a {$20000.00} credit line. I pay the balance in full. However, after a payment is made and posted, the credit balance does not reflect such on the available credit resulting in erroneous interest charges being assessed SEE ATTACHMENT. IT shows a balance of still owing of {$17.00} when clearly it has already been paid. The {$20000.00} credit line only shows {$14000.00} when it should reflect {$20000.00}. 

ISSUE # 2 As per the Agreement, cash advances are assessed daily at XXXX interest ( ie XXXX ) computes the daily rate times the days. Why is an additional computation done for the AMOUNT? the contract only states THE INTEREST RATENO AMOUNT should be considered. This is just an underhanded way to assess a higher daily rate. the amount relevant pursuant to the Agreement is XXXX % for cash advances and 14.65 % for the use of the credit card IF NOT PAID BY THE DUE DATE.
Product: Debt collection

Some medical lab work was sent to XXXX XXXX XXXX XXXX, Texas- without my expressed permission or my knowledge. 

I wasn't told any lab work of mine would be sent to XXXX. 
I wasn't asked to give my permission to send any lab work of mine to XXXX. 
The physician DID NOT inform me any lab work of mine would be sent to XXXX. 
I was not informed XXXX would be doing any testing and thereby violating HIPAA laws. 
Any further communication should be with the doctor and the lab. 
I believe this bill violates the Surprise Medical Billing law passed into law : which basically states : The federal No Surprises Act became effective XXXXXXXX XXXX XXXX. It established a federal law prohibiting balance billing for out-of-network, self-pay, and uninsured patients from certain surprise medical bills. The law also created patient price transparency rules by requiring certain physicians to provide their patients with good faith estimates. 
XXXX continues to send late notices and now, the collection service from XXXX, MA is getting involved. 
This action of XXXX is now harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account for a credit card with XXXX XXXX, my card defaulted and I paid off my debt as a result. XXXX XXXX sold my account to Portfolio Recovery and despite me having paid off my debt, aggressively pursued double the amount I owed. They harassed me via telephone, email, and mail ; and have yet to prove I owe them ; because I do not. When I disputed this debt with XXXX, XXXX, and XXXX, they investigated but found no conclusive evidence to make a determination. As a result I continue to received unsolicited mail from this company and my credit report has yet to remove the unproven debt from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Incorrect Balance Reporting on Charged-off Debt - Violation of FCRA ( 15 U.S.C. 1681s-2 ). balance should be XXXX.
Product: Checking or savings account

Bank of America has locked me out of my account, again! Their screen suggests I have either forgotten my passowrd or that I wish to change it. None is true. They ask for my account number ( last 4 digits ) and my SS #, which I provide and still no access is granted. I call the bank and provide all the information they ask for verbally. I have provided all the security and ID information requested and have at my disposal a Security Key with an activation code and yet the bank does not grant me access. They tell me there is a fraud alert. When tranfered to the fraud alert deparment I am put on hold until the line drops. This happens obviously on purpose.

I feel I am being targeted unfairly and illegaly. When attempting to call, on my own expense, they provide no assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is exceptionally difficult for me to keep on calling BoA. I do not have a XXXX  phone and they do not (!! ) accept non XXXX  phones for messaging or call-back, which is ridiculous to say the least. 
** This has happened again in XX/XX/XXXX. Exactly 2 years ago. The same exact case. It was finally resolved through the CFPB. ( COMPLAINT ID : XXXX, SUBMITTED XX/XX/XXXX ) Please assist!
Product: Mortgage

On XX/XX/2022 my mortgage was made current through XX/XX/2022, by the California Mortgage Relief Program ( see attached award letter ). On XXXX XXXX XXXX I received a letter from my mortgage servicer, LoanCare, that stated that FORECLOSURE will be suspended for 60 days ( the time my loan has been brought current ) and that I will be given till the end of XX/XX/2022 to accept a Loan Modification for terms I have not received. Stated in the letter, I am told additionally that my online access to my account will be continue to be restricted until my loan is brought current? I was also given contact details for a representative that I have been previously denied access to. I continue to be denied a single point of contact with whom I can get reliable, trustworthy status and next steps going forward. I have received nothing in writing concerning the status of my account, or details and terms of proposed agreements they expect me to enter into within the next 20 days. I am unable to manage my account online ( as should be accessible by their stated policy of being current ). I continue to be discriminated against for services enjoyed by all other debtors served by LoanCare. I do not have great confidence the correct status of my account is being reported to credit agencies as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I was searching for rates to refinance my mortgage. I reached out to AmeriSave Mortgage who had the lowest rates. I received an email with XXXX XXXX from Amerisafe contact information is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone XXXX. The loan officer NMLS ID XXXX. I then spoke with him and he said he was going to send me the 15 year currently available. He sent me the email the same day. I then agreed to start the loan application, but not before the mortgage company requested an upfront {$500.00} dollar payment as commitment. The loan officer said that the payment would then be refunded at the time of closing. He also informed that I would get {$1000.00} rebate. I proceeded to pay and moved on to give items required through their on line portal. Once seeing the loan disclosures I informed on the XXXX of XXXX that the payments were too high for my budget and that I was going to go instead with a 30 year mortgage. Left the loan officer several messages and he did not respond. I then called and he agreed to send me new documents. In the mean time I kept getting text messages from the company saying that it was on behalf of XXXX that they needed for me to acknowledge. I explained via text and e-mail that the information was still showing as 15 years and I had requested a 30 year term. The loan officer 2 days later sent me a message full of capital letter stating that I needed to acknowledge the 15 year for the information to update. I then acknowledge and later new information showed. When I saw the closing cost on the new mortgage Amerisave was charging me XXXX dollars in closing cost and bundling in the loan which based on the information was going from XXXX to now XXXX. I sent the loan officer an e-mail to call me that I needed information about the closing cost because they were too high. The officer did not call me back and the next day I canceled the loan on the XXXX. I told him to stop texting me that I had decided to cancel the loan due to high closing cost and poor service. The loan officer sends me a text message on XX/XX/2020 saying " Just a heads up you lost your {$500.00} app, i was trying to prevent that by explaining to you the options, I emailed you again '' I told him that I was reporting him for harassing behavior and opening a complaint. I have opened a dispute with my credit card company as I am not sure why AmeriSave would keep my {$500.00} dollars if we had not even gotten far enough on the mortgage agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Noticed inquiries on my credit profile that I do not recognize!! From the following companies : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX- XX/XX/XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Few issues here : 1 ) I asked Chase to provide a proof they emailed me the preauthorization form that I requested on numerous occasions. As of now, I didn't receive their email. Please make them explain why they had to conceal my email address when providing me with the proof. I need to ensure that they have correct email address for me in their records. 

2 ) You stated that customers must notify you of any unauthorized activity involving debit card or any electronic transactions within 60 days of the first statement that the unauthorized activity appears on. You stated that for our claim number XXXX for debit card transactions with XXXX totaling {$750.00}, Chase only approved the claim for two of the transactions totaling {$61.00}. Chase denied the claim for the remaining transactions because they were not reported to them within the 60-day timeframe. 

On the claim number XXXX for debit card transactions with XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to them within the 60-day timeframe.

To make sure they only denied transections that were not reported within the 60-day timeframe, I request a list of all transection affected by the denial. They should include the date, amount and description of each transection.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them. 
Fraudulent Accounts : XXXX XXXXXXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$620.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
Fraudulent Inquiries : XXXX XXXX : Inquiry dated XX/XX/XXXX
Product: Debt collection

Aargon Agency, Inc contacted me by phone about a medical bill. I asked them to only contact me in writing and to provide debt validation in accordance to the Fair Debt Collections Practices Act. They responded with a letter outlining part of the information required but did not include their legal authority to collect the debt nor did they provide the original contract bearing my signature. 
I replied and asked again to be provided with that information. They sent a second letter with the same information as the first letter and they have now started calling me again rather than communicating in writing.
Product: Debt collection

Attention CBE GROUP, you are currently unlawfully furnishing false credit information as a result of an attempt to collect an alleged debt that I do not now nor have ever owed to you. You have obtained my nonpublic personal, private and confidential information WITHOUT my consent and are currently storing the same information as a result of identity theft and unauthorized use of my nonpublic personal information. As a non interested third party I have sent you a Notice to Cease and Desist your hostile and adverse actions against me immediately. You are in violation of Federal Law for all of the aforementioned actions. Contacting me without my consent is also a violation of Federal Law, as a Federally protected consumer I will not hesitate to pursue any course of action necessary to protect my rights and enforce my jurisdiction over you for violating, 15 USC 1692, and any other applicable law, including other sections Title 15 Chapter XXXX. Consumer law is put in place for consumers such as myself to enforce and ensure that violators like you and your subordinates are held accountable to the full extent of the law. 
This is your one and only chance to remove yourself from these matters without any further action, if ignored your violations of Federal Law will be brought to light and I will ensure that you are held accountable for every adverse action you have take against me. Any documentation you send in opposition to the following demands will be used as evidence to support the facts as I have shared them. You have 15 days to comply.
Product: Mortgage

I was laid off my job of 12 years I notified my lender, Mr. Cooper, that I was struggling to make my payments and that I was receiving unemployment. I was instructed by one of the representatives to complete a loan modification online which I did when I followed they claim they had not received it. I enlisted the help of XXXX XXXX XXXX XXXX who then proceeded to provide to Mr. Cooper by email the following : Unemployment benefits, retired XXXX XXXX  benefits, Homeowners Insurance, offer letter from my new position, and my XX/XX/XXXX tax returns and my loan application. These documents were sent twice once on the XX/XX/XXXX and then again on XX/XX/XXXX. XXXX XXXX received confirmation on XX/XX/XXXX that Mr. Cooper had received the documents. Today on XX/XX/XXXX poke with a XXXX XXXX in the Loss Mitigation who claims that they don't have the documents today. The documents were also sent to XXXX XXXX @ nationstar who is the president. It appears that because in California the Homeowners Bill of Rights have reinstated as of XX/XX/XXXX, that Mr. Cooper is trying to circumvent these regulations and Dual Track by trying to foreclose.
Product: Debt collection

XX/XX/2023 LVNV Funding LLC {$560.00} LVNV FUNDING LLC THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Product: Student loan

This is my second letter to you about Mohela. 

On XX/XX/XXXX, I called Mohela and spoke with XXXX. I told XXXX all of the dates, names of customer representatives, and what was discussed during each call. I explained that I received a letter from Mohela dated XX/XX/XXXX. It stated that it was a message from a debt collector, and was an attempt to collect a debt. Also, when I called the number on the letter and punched in my information before being transferred to a representative, the recording stated it was to collect a debt. 
XXXX told me my account was not in collection.I explained the letter I received and the recording. She said I was not in collection. I don't know who or what to believe when dealing with Mohela. 
I explained again how I can not afford to pay and asked for a forbearance. She processed a forbearance which ends on XX/XX/XXXX. 
When I explained how I filed paperwork on XX/XX/XXXX for a Mandatory forbearance and when I called on XX/XX/XXXX, I was told paperwork was missing and I had to refile with additional paperwork.I did so on XX/XX/XXXX and was told it would take XXXX business days. 
XXXX then proceeded to tell me that 78 days was no longer the case and I would need to wait 108 days from XX/XX/XXXX for an answer. 
Again I told her there was no way I could pay because my monthly income is approximately $ XXXXThe phone was silent and I asked if there was anything she could recommend - the phone went silent!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after 180 account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus thank you.
Product: Debt collection

In late XXXX, XXXX XXXX took me to court and quickly got a default judgment order on me because they never sent me any notice of being sued. 

When I found out in late XXXX, I got the order reversed and counter-sued them. This went on for about a year and a half. 

XXXX XXXX has never sent me any documents nor anything to prove I owed the debt. During the settlement conference in late XX/XX/XXXX, the judge and two lawyers threatened me that if I did not accept the terms, I will owe more because I can not win in court to the tune of {$65000.00}. The debt was never mine. XXXX XXXX used fake documents and checks to say it was mine. They owned my home loan and of course they had copied of checks I sent them. I was promised copies of every document before I made one payment plus a signature from a some high authority from XXXX XXXX of documents. Nothing was sent to me except a threat. The signatory was a legal analyst from their office. Hardly anyone of authority. Why didn't the lawyer present sign that document? This was a scam from the beginning. They knew they were going to get the FULL amount from the start by offering to reduce the amount. They scammed me and scared me. I was on medication at the time of the settlement. I was emotional and could not think straight. I would have agreed to anything that day. 

$ XXXX was agreed upon, Now, it is the full amount of {$32000.00} and growing. This is so unfair. I want to go back to court and sue them for fraud. I believe XXXX XXXX sold the debt to XXXX and XXXX. They own the debt, not XXXX XXXX. If that is true, that is fraud in itself. 

Worst of all, they are using the pandemic to file documents against knowing that the courts are closed down.
Product: Credit reporting or other personal consumer reports

XXXX syncb/amazon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Hard inquiries that i didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 172 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.