23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I finalized a loan modification to a 40 yr fixed rate loan with boa on XX/XX/XXXX.I began this process XX/XX/XXXX. I recvd my first signed modification on XX/XX/XXXX XX/XX/XXXX I discovered via a severley impacted credit score that the final mod was " never filed '' and no attempt to contact me.from the start of XX/XX/XXXX i have never missed or had a late payment. boa has consistently misapplied my payments. my statements do not reflect the payment specified in the final mod. boa randomly applies all payment to interest with no pricipal application. I called the customer service and XXXX informed me that i have a payment specified in the first modification that boa stated was never filed and did not exist. therefore at this time boa has XXXX final modifications coexisting .each and everytime i contact boa i am given a new contact person to date i have had XXXX.the latest one is XXXX you will research this and call me " next week ''. the last statement i recvd for XX/XX/XXXX states i owe XXXX under projected interest and regular monthly payment. my modification payment is XXXX according to the last account transaction history sent to me my XX/XX/XXXX and XX/XX/XXXX payments were all applied to interest.again as reported to cfbp and copy sent to me boa states " our records indicate that your loan is current '' .this loan has always be current with all payments recvd before the due date since the trail period beginning XX/XX/XXXX.also when i recvd from XXXX the response to cfpb and a copy of my modification and statement transaction history. XXXX XXXX XXXX was kind enough to include a letter to another bank of america customer ( not me ) and this customer 's resolution specialist name is XXXX and her contact # XXXX ext XXXX ... so one can only image the amount of confident information sent by boa to the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

XXXX. American Express Account XXXX : XXXX Please remove it from my credit report. 
XXXX. American Express Account XXXX : XXXX Please remove it from my credit report. 

Please be aware that any negative remark found On my credit reports ( XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, XXXX must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX for Equifax XXXX account # for XXXX XXXX for XXXX XXXX XXXX XXXX account # XXXX for Equifax account XXXX for XXXX XXXX XXXX # XXXX XXXXXXXX XXXX- account for Equifax # XXXX XXXX account # for XXXX XXXX for XXXX XXXX XXXX XXXX account XXXX XXXX for Equifax, account XXXX for XXXX XXXX XXXX XXXX XXXX XXXX account number for Equifax # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX for Equifax account # XXXX for XXXX for XXXX XXXX XXXX account # for XXXX, for XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.
Product: Student loan

At the beginning of COVID, I was informed that making payments and being on the forbearance would count twice for the time period towards PSLF forgiveness. In XXXX XXXX, MOHELA advised differently and I requested a refund of all payments made to both of my loans. I followed up by phone on a regular basis and was told it's a process and to be patient. The first payment was received XX/XX/XXXX and separate checks continued up until XX/XX/XXXX. There has not been any money returned since those last checks. 

The amount outstanding is {$11000.00} based on my calculations. During the last year, I have continued to contact MOHELA requesting the remaining amount and it has been a circle that has yet to receive an outcome. The hours spent on the phone, sending emails, providing the requested documentation has been a consistent waiting game. Then when I do get to talk to someone, that conversation does not yield anything better. I have to explain the situation over and over to each new person answering the call, wait while they read up on the history, then to be told I need to speak to a supervisor. I get transferred and voice mail picks up EVERY time. I leave a voice mail, wait for return call which has only occurred once. I understand their 'business hours ' are also my business hours ; but I make myself available, pausing from my job. 

I sent an request to the Ombudsman last year and did not hear anything, not even acknowledgement of my complaint. I have voiced my complaints, frustration, and time spent on this topic repeatedly to MOHELA to not receive any acknowledgement or urgency or consistency. 

During COVID, the loans were at different servicers. MOHELA continues to tell me that they can not refund money not paid to them ; yet they did refund some payments made to a few of the servicers, just not all. The time I was making payments to XXXX seems to be outstanding amounts. I have sent in bank statements, I contacted XXXX myself and they provided the history to me which I then gave to MOHELA. And then had to give them again when they moved to a new system. At times MOHELA has explained it is FSA holding up the amount, then at another time, it's because the payments were made at another servicer. How the story can keep changing is beyond my grasp.

The amount owed is not a few hundred dollars, even if it was - it is still owed to me. My loans continue to be in good standing, making payments ahead of scheduled due dates. The other issues I've experienced with MOHELA are small in size compared to this amount outstanding. How my current payments are applied do not make sense since the increase to my loans was before I received the refund. When I mentioned it to a representative at MOHELA, they assured me that recalculation would occur once all refunds are received. Which makes me think they realize all money has not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and this account GM Financial is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well
Product: Debt collection

I never had a debt with the company they claimed. I dont recognize or authorize this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Best Buy reported to XXXX bureau a hard inquietud under my name that I did not authorized.I contacted both XXXX and Best Buy to clarity this issue and to creat and aleart on the XXXX bureau. They assured me everything was going to be clarify and required from me to contacted best buy to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for Best Buy credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled for bankruptcy chapter XXXX case number XXXX back in XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX. I included all of my debts which included a Citibank credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was {$730.00} and the debt was included in the list of creditors and was added. While I still in the active bankruptcy XXXX XXXX XXXX called to collect on the debt in XX/XX/XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XX/XX/XXXX, I was reviewing my credit report and XXXX XXXX XXXX is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor Citibank, the report shows that they will keep it on record until XX/XX/XXXX. Account number XXXX has is XXXX, date opened with XXXX XX/XX/XXXX.  My phone is XXXX.
Product: Credit reporting or other personal consumer reports

Errors in identity data such as wrong name phone number or address. In counts account from identity theft. I am reporting all my credit reports using XXXX XXXX. XXXX and Equifax, XXXXI was hacked by XXXX XXXX XXXX XXXX which exposed all my information.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Balance {$29000.00} Open date XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$230.00} XXXXXXXX XXXX Account number XXXX Balance {$5500.00} Date opened XX/XX/XXXX Date closed XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXX Date closed XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXX I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I was contacted by American Medical Collection Agency ( AMCA ). AMCA violated the Fair Debt Collection Practices Act in several ways. AMCA did not give me notice of my right to dispute the debt. AMCA did not give me enough information to verify the debt. AMCA refused to provide me with the address of the original claimant when I requested it. I would request that the CFPB take any and all measures against AMCA based on their violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

There's a bankruptcy account listed on my credit report that I didnt open. It seems like it could be a case of identity theft or fraud. I'm concerned that this false information is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, A Thief stole my information and fraudulently opened a XXXX XXXX Account in my name that should have been caught by XXXX XXXX if they did their due diligence. The account was defaulted on by the thief, and went to collections. I received notification when I purchased a new car in XX/XX/XXXX that there was a collection account. Since I did not open a XXXX XXXX account, I contacted law enforcement and filed a police report regarding the ID theft. In XX/XX/XXXX, I submitted a dispute with Experian and provided the police report. They initially removed the credit inquiry and the collection account after providing the supporting police report. In XX/XX/XXXX, I pulled another credit report and saw the collection account was back. I again disputed the information and Experian now refuses to remove it. I resupplied the police report and showed the account was not mine. Experian refuses to cooperate and has not promptly removed it. Now, I can not even pull a credit report online through Experian. It is ashamed that a thief has been able to cause this much damage and the credit bureaus that are supposed to protect my identify are now contributing to the victimization. What more could I possibly do??
Product: Debt collection

CREDENCE RESOURCE MANAGE ADDRESS ID : XXXX REPORT NUMBER : XXXX I HAVE REPORTED TO THIS COMPANY THAT I NEVER STAYED IN TEXAS I AM A CURRENT XXXX XXXX XXXX  CUSTOMER AT MY PRESENT ADDRESS OVER 13 YEARS THE SERVICE WAS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX JUST POSTED IT TO MY CREDIT AGAIN CAUSING A DEROGATORY HIT ON MY CREDIT CAUSING MY SCORE TO DROP XXXX POINTS. I HAVE BEEN WITH XXXX XXXX XXXX OVER 20 YEARS AND PAY MY BILL EVERY MONTH. I NEED THIS NEGATIVE ISSUE REMOVED ASAP.
Product: Mortgage

I am writing this complaint to report Bova Financial Company  that does business out of California. In XX/XX/XXXX I called to get a modification loan. I talked to XXXX XXXX ( the owner ) and had told her that we would probably not qualify due to our income, but she reassured me that she could help. The amount they wanted was {$5000.00} to work on the loan. I was very hesitant to pay upfront, but she said it was a win/win situation. I would get the money back in full if we did not like the offer. All we wanted was a lower interest rate and a lower payment. Trusting them, we sent in the money. I was working with XXXX XXXX   to whom only worked with me for a month. I had sent all important documents via email and did not hear from them for quite a while. Then i got a guy named XXXX XXXX  working on it for a very short time. I told XXXX  this was taking too long for a loan. Then another lady, XXXX XXXX, worked with me for about six months. Throughout all these agents I sepecifically said I did not want the amount of years to change on this loan and that i wanted the original loan, a lower mortgage payment, and a lower interest rate. All this time XXXX XXXX XXXX was calling me daily and XXXX  told me NOT to talk to them and that Bova was taking care of it. In all this wasted, stressful time XXXX   offered me a 4 month trial period of which XXXX XXXX  and XXXX XXXX   told me that this was my original loan that I owed 15 more years on and that it was 2 %. We agreed to the trial period thinking it was 2 %. When the trial was over, unbeknown to us, XX/XX/XXXX, the loan mod was a 40 year loan without a change on the mortgage interest. After all of this, I had continually asked for my money back. Then XXXX  assigned XXXX to do a refinance. She did not last long. XXXX  then refered me to a refinance company, XXXX. I could have already refinanced 2 years ago. It has been a nightmare to say the least, XX/XX/XXXX - XX/XX/XXXXand still not good offers. We are angry and we trusted the wrong company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

There is an inaccurate Late Payments in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a debt collection company XXXX XXXX placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX fios beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost XXXX points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to Experian for taking 3 days to try and resolve a dispute going back 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report from Equifax. Confirmation number XXXX. There is information missing from this report from when I filed bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX XXXX have been removed. The bankruptcy case number is XXXX. The property at XXXX XXXX XXXX TN XXXX was included when I filed. Someone is using my personal information to abuse my credit. There is an address listed that do n't belong to me. It is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. I 've never lived in Michigan, nor have I ever visited there. XXXX-mortgage statements have been reported to IRS for XXXX XXXX XXXX. The loan number is XXXX. Their Federal Identification number is XXXX/address XXXX XXXX XXXX XXXX Kentucky XXXX. The loan I had with XXXX XXXX is not on this credit report, yet when I filed bankruptcy in XX/XX/XXXX loan number XXXX was in the court database base. The property was foreclosed on and sold to Tennessee Housing Authority. A XXXX was reported to IRS in XX/XX/XXXX. Someone reported The Department of labor Federal Identification to IRS. Rather than Tennessee Housing Federal Identification number. The deed number after the property was sold is XXXX. The property was sold in the amount of {$18000.00}. I was not involved with the transaction. I requested this information from XXXX XXXX XXXX County Register Office in XX/XX/XXXX. I pulled my transcripts from IRS, this is how I gained access to the number. There are medical accounts on the report that do not belong to me. Account # XXXX ( XXXX ) $ XXXX-XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX ) {$42.00}. XXXX XXXX XXXX -Account number XXXX ( XXXX XXXX ) {$0.00}. XXXX XXXX XXXX -account # 's XXXX,XXXX,XXXX & XXXX is on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
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