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

am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting

One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, XXXX & Experian to date XXXX and Experian. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.
Product: Credit card or prepaid card

American Express mistakenly closed my credit card, wiping out $ XXXX in credit availability ( half of my overall availability ), which ultimately double my credit utilization, which resulted in a 40 point reduction of my FICO score. They have been less than responsive and are not taking ownership of the impact to my credit.
Product: Mortgage

AS IS REPORTED BY YOU OFFICE DITECH IS NR XXXX OR SO ON THE LIST OF THE U.S. WORST COMPANIES FOR COMPLAINTS OF FRAUD BY CONSUMERS. MY LOAN WAS ORIGINALLY WITH XXXX WHO TURNED IT OVER TO XXXX, WHO TURNED IT OVER TO GREEN TREE WHICH IN TURN WENT UNDERGROUND AND BECAME DITECH. XXXX ITSELF IS NOT MUCH BETTER. MY LOAN IS A SIX AND ONE HALF PERCENT LOAN WHILE THE REST OF THE U.S. IS IN THE ONE TO TWO PERCENT RANGE. IT IS A NO RISK TO DITECH XXXX XXXX LOAN.. I HAVE REPEATEDLY ASKED FOR AN INTEREST ADJUSTMENT BY DITECH XXXX AL. THIS IS A XXXX COMPANY WHICH ALSO OPERATES UNDER THE " DO IT TO OTHERS BEFORE THEY CAN D IT TO YOU '' COMMANDMENT AND THE BUSINESS MOTTO OF '' PREVARICATE, CHEAT AND PURLOIN '' THE LATEST COURT ACTIONS ARE PART OF THE CONTINUING EFFORT LOAN COMPANIES TO PERSECUTE XXXX XXXX AND THE CFPB, THE ONLY GOVERNMENT AGENCY THAT TAKES THE SIDE OF THE TAXPAYER AND CONSUMER. 
THE CONGRESS ITSELF IS PUTTING IN MAJOR EFFORT TO AUTHORIZE LOAN COMPANIES TO DRAIN THE BLOOD OF THE TAXPAYERS. I WOULD BE WILLING TO BE A WITNESS FOR CFPB AT ANY CONGRESSIONAL HEARING ON THE SUBJECT. DITECH EFFORT AGAINST ME IS ALSO XXXX ABUSE AND AGAINST CIVIL RIGHTS
Product: Credit card or prepaid card

On XXXX XXXX at XXXX I woke up to my account being revoked with no explanation or response from Discover Bank . I contacted customer support about this issue and was transferred to several different departments who were confused on how to handle this issue and kept being transferred from department to department. Finally I was sent to the right place where I was told that my full account was revoked over me not submitting a notoriety. I was unaware that I had to complete this since my account had been working fine. I was never reminded about this or notified that this was still a requirement on my account. I was then told to resubmit an application but immediately was not approved. I am dissatisfied and disappointed with my experience with Discover because I have paid all my bills on time and chose to start my first student account with them. Now I have to dispute this on my credit score due to miscommunication.
Product: Checking or savings account

A {$5000.00} certificate of deposit was purchased through Ohio 's XXXX XXXX XXXX. The C.D. was through 5/3 bank on XX/XX/XXXX for a term of 3-months. The certificate matured yesterday, XX/XX/XXXX. My plan was to use the matured funds to purchase another C.D. for a 6-month term, but the funds weren't available.

I called the 5/3 customer service number for the XXXX XXXX XXXX account ( XXXX ) XXXX and was told that it was the policy of

5/3 to not immediately release the funds of the mature C.D. but to wait approximately 5 additional days before making the funds available. Interest WOULD NOT accrue during these 5-days. This delay effectively changes the published interest rate earned and prohibits additional interest income to be earned by the customer.
Product: Credit reporting or other personal consumer reports

I reached out to Experian several times requesting that they correct the inaccurate information that they are reporting on a regular basis to apparently anyone that comes their way requesting my information. It's bad enough that Experian is allowing ANYONE and EVERYONE to access my personal and private information without my authorization or approval... BUT they ALSO are providing these same individuals with inaccurate and incorrect information. I don't know which is worse. Since XXXX of XXXX, I have been writing Experian trying to get them to correct my personal information and not allow people to gain access to my report without my permission and Experian continues to ignore the law and my own requests. Experian is in full violation of FCRA laws. According to XXXX XXXX XXXX XXXX, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1681b .
Product: Credit reporting or other personal consumer reports

Chime is in violation of my consumer rights and per consumer law I am entitled to settlement financially for each violation in the amount of {$1000.00} per violation I have made this clear several times and yet they still continue to report on my consumer report
Product: Debt collection

My husband died suddenly in XXXX of XXXX. My daughter came to pack me up and to live with her. At some point in XXXX XXXX XXXX emailed me about the negative acct on my credit. It was for {$6200.00}. I was expecting some left over charges but because they are a creditor I could not do anything had to wait for probate. I had no idea about this no one ever contacted me by phone or mail. Once my husband passed everything was frozen and was in probate. The laws in Florida states that nothing can be done until his probate is complete, they even sold the house! My husband passed XX/XX/XXXX they had me in collections in XX/XX/XXXX plus they filed a claim with the court for the amount that they put me in collections for. Again I was never notified. Our attorney sent them a caveat by creditor which they did not respond to so because they ignored the notice I am not supposed to be responsible any longer for this debt..This probate was very lengthy. It was just recently completed. 
I was in the middle of packing and moving out of my daughter and now any place I apply for is turning me down.
Product: Debt collection

Too many account of XXXX XXXX  on my credit report wrong database amont pls remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have address on my credit report that I have never lived at. I also have negative accounts on my credit that do not belong to me.
Product: Mortgage

Refinanced my home, and told loan depot prior to closing that the escrow was not correct, and they had assured me it was, and they even double checked so they claim, and after not even a year later, I receive a letter to pay $ XXXX  for a huge oversight on their end, or to double my monthly payments for a year. 

I understand taxes go up, but this is absolutely absurd. Anyone with any understanding should have been able to see that this was going to be a huge issue. I have an email chain and everything for documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as 30 days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to XXXX hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as 30 days late twice. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the two 30-day late payments with the Credit Bureaus as that was not my fault for nonpayment.
Product: Checking or savings account

I opened an account, online, with Bank of Amercia on XX/XX/20. On the date of account opening, I completed the online information based on my current legal identification. Approximately 4 days later, I logged into the account via my Bank of America mobile app, to attempt to add an external bank account to my profile. At that time, I noticed that my account profile information had been changed to old, invalid information. The name, address and email contact information had been changed to my previous married information based on an account profile from 5 years ago. 

I immediately called the bank, keeping in mind that my new account is a joint account with my now fiance. I was advised that, over the phone, they could change my mailing and email address. However, I would not be able to change my name. I was advised that I would received some documentation in the mail that I would have to complete and drop off at the local branch. 

Approximately two days later, I went into the branch to make a withdrawal. At the teller line, I was advised that I could make the change in the branch, but that I would have to make an appointment. I stated that I would just wait for the documents as I did not have time to make an appointment based on the abbreviated hours of the bank. 

Fast forward to today, I was attempting to link another external bank account. I went through the entire verification process only for the account to not be added because the name does not match. I then made an appointment at the branch, went in with all of my identification ; DL, social security card and password. All with my current legal name. I was then advised that now they can change my name but since the account is a joint account, the other account holder would have to be present. Should I mention that he does not even live in the same state? Nor had this been a statement made to me at any of the other times I initiated contact to get this matter resolved. 

My complaint is that, if you have a customer that is filling out an online application in which they attest that the information on the application is true and accurate, how are they able to just change the information on the application based on a profile that was in the system from 5 years ago? If, during the application in process, there was a discrepancy in information ( XXXX ) why was it not deemed necessary to reach out to the customer ( me ) to confirm my information, ie. request a copy of my driver 's license or social security card? Futhermore, what if the account profile information had been changed prior to the issuance of the card? The card would have been mailed to an old address that I no longer reside at and could have fallen into the hands of a fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. A charge off account from Kia Motors is reporting on my credit report. According to IRS publication Topic no. 431, Canceled debt Is it taxable or not? States : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. 

A charge off is considered income by the IRS and income can not be reported on my credit report. 

Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This charge off displays under XXXX  reporting system only.
Product: Mortgage

XX/XX/year> My mortgage Servicer, Mr. Cooper. Is a nightmare. I can not speak with a human in their customer service or the escrow department. After going in circles numerous times and trying various phone numbers. Their AI system just goes in circles. I can site numerous steps I followed only to repeat myself in a maze with no results. Why do consumers have to jump through hoops and nonsense? 

Next, I tried their chat assistance. The Chat representative said there is no human contact person for the escrow department. OK fine, I then asked about how to actually speak with a human in customer service dept. I was instructed to call a number then press # XXXX and next # XXXX. Did not work. I did not select Mr. Cooper as my mortgage servicer. Why am I held hostage to a company that has cut corners to not provide actual human customer service? This should be criminal! 

Contact Info below Mr. Cooper XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Real-Time Customer Assistance Our Customer Service team can be reached by calling XXXX during these business hours : Monday - Thursday, XXXX XXXX. - XXXX XXXX. ( CT ) Friday, XXXX XXXX XXXX XXXX XXXX  ( CT ) Saturday, XXXX XXXX  - XXXX XXXX ( CT ) Phone Only/ No Live Chat
Product: Debt collection

XXXX is calling the disputed amount ( {$390.00} ) an early termination fee. This is surprising to me because I have been a customer for 19 years straight. XXXX has automatically renewed my contract 9 times in a row. The early termination fee should have expired with the first contract. 

The FTC has ruled against XXXX over the matter of junk fees and surprise fees and ordered XXXX to refund these fees. Please read the FTC ruling at the links below. According to the ruling, I do not owe XXXX anything. XXXX has hired a debt collector SRA Associates to collect the early termination fee. This should not be allowed. 

Case Summary In XX/XX/2022, the FTC announced it stopped internet phone service provider XXXX from taking consumers money without their consent and creating obstacles to those who try to cancel their service. Under a proposed court order agreed to by XXXX, the company will be required to pay {$100.00} XXXX to refund consumers harmed by its actions, make its cancellation process simple and transparent, and stop charging consumers without their consent. 

Complaint : XXXX : XXXX Stipulated Order for Permanent Injunction , Monetary Judgment, and Other Relief XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and over 100 million other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
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 {$3200.00}. 
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 and 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 ). 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3200.00} -This is not my account.
Product: Payday loan

I applied for a loan and i was not given the amount needed they told me to go online and apply for XXXX more. Now i have a company calling me asking for XXXX for fee and stating i received more then XXXX which I did not because they would not even give XXXX
Product: Debt collection

In XX/XX/2023, I incurred a debt with XXXX, which I acknowledge and have been making payments toward. However, I have encountered serious issues with a company that identifies itself as XXXX, but processes payments under the name Global Asset Agency. They claim to be a claims firm rather than a debt collector and do not provide the required disclosures, such as the mini-Miranda warning. Upon further investigation, I discovered that this company is banned from debt collection but continues to engage in such practices. 

Despite their claims, they have been withdrawing payments from my bank account biweekly. When an auto-draft fails, they employ a so-called locating agency to harass me with excessive back-to-back phone calls throughout the day. This behavior has not only disrupted my life but has also resulted in a write-up at my job. Furthermore, this locating agency has threatened to track me down at my workplace, which is both intimidating and unprofessional. 

Global Asset Agency, operating as XXXX in phone communications, requires a minimum payment of {$76.00} every two weeks and refuses to accept any lesser amount. They have also declined to provide a mailing address for me to send payments. These actions raise serious concerns about their compliance with debt collection laws. 

This companys continued debt collection activities, despite being banned from doing so, are unethical and illegal. I am seeking assistance to address their harassment and prevent further harm to my personal and professional life.
Product: Mortgage

Dear Everyone, Unfortunately, the system won't let me log in, so I can only email you. 


Complaint id XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! 
Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. 
So why should she have to pay off a loan she never received? 
At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. 

My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. 
Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! 
On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. 

I received your letter. 
Unfortunately, I can not agree. 
To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. 
The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? 
Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? 
Is the credit union trying to make a profit on my dead mother 's money? 
For the sake of order, I will describe this terrible case one more time. 
So. 
My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. 
On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. 
Total : {$270000.00} this is how much my mother owed on the reverse mortgage. 

Total : {$270000.00} that's how much my mother owed the reverse mortgage company. 
I am asking for your help because someone or someones made a big mistake in this case. 

Thank you. 
Best regards, XXXX XXXX
Product: Debt collection

AMERICAN COLLECTIONS E ; LOCATED AT:XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$560.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXX XXXX XXXXXXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.