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

In XXXX through XX/XX/XXXX XXXX approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, XXXX approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; XXXX  approved me for a Permanent Modification in the amount of {$420.00} of which XXXX scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as XXXX Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; XXXX reported on XX/XX/XXXX that my XXXX  Account was XXXX Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to XXXX  in an attempt to speak to someone that could correct the negative credit reporting that XXXX  placed in my Credit File/Credit Report. The XXXX XXXX repeatedly informed me that their XXXX XXXX were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to XXXX Representatives by telephone ; I sent a message to the XXXX XXXX XXXX XXXX describing the negative credit reporting that XXXX placed on my Credit Report/Credit File, but have not received a response from XXXX. 

My XXXX Account is not delinquent, and is not 120 Days Late as XXXX has listed in my Credit Report/Credit File. I am in a Permanent Modification with XXXX and have not been late in making any of my Trial Period Modification and Permanent Modification Payments.
Product: Credit card

I am formally requesting that the full credit for my ticket, along with reimbursement for all incurred expenses due to the inconvenience caused, be issued back to my credit card. XXXX XXXX failed to fulfill the terms outlined in the agreement associated with my credit card, including priority boarding, complimentary checked baggage, and timely travel arrangements. Due to this breach of agreement and the substantial financial impact, I am demanding a full refund and compensation for my lost expenses. The failure to honor these terms warrants a complete reversal of the charges and reimbursement for all additional costs that resulted from the airlines mishandling of my itinerary.
Product: Credit card or prepaid card

I. Used a atm on XXXX XXXX mo on XX/XX/2020. I was charged for the amount of XXXX dollars. My money was put back in the machine and my debit card locked in machine. I did. Not get the money. but it came out of my account I have tried calling my debit card to dispute the charge yo the dispute department I finally went ahead and. Cancel the card and was issued a new on today.
Product: Student loan

I have been paying on this Navient loan since XX/XX/XXXX and the amount hasn't changed at all. This Navient loan started in the amount of {$19000.00}. Through the life of this loan, I have made payments in the amount of {$36000.00}. On the web site they don't give you an option to pay on the principal only. Therefore, I can not pay off this loan. I have asked to settle this loan and they will not settle. 
Here are the current totals as of XX/XX/XXXX. 
Original principal {$19000.00} Adjustment Total = {$600.00} capitalized interest = {$0.00} disbursement = {$28000.00} disbursement fee XXXX forbearance payment = XXXX Late fee XXXX Payment = XXXX Repayment Fee = XXXX Resale XXXX School Refund = XXXX
Product: Mortgage

To whom it may concern, The reason why im asking for your help is due to our harsdhip that lasted over 12 months, as of last year my husband was in the hospital for over 12 months due to a XXXX. Within that time i was making our mortgage payments even though my husband was not working. 

I called my mortgage company seeking help since i knew our situation will get worst, my mortgage company told me that they will not help me because i was current with the mortgage payments. 

So i tried numerous times trying to get a manager since every single person that i spoke to from the mortgage company will refuse to transfer my call to manager, i had no help from them at all. 

After a few months my situation got worst, my husband was still at the hospital, i ran out of money to keep up with the mortgage payment and my mortgage company never answer my request for help to modify my loan. 

Now as of this year that finally my husband is out of the hospital and back to work, i re submitted my loan modification application again. I was assigned a person by the name of XXXX XXXX p. XXXX ext XXXX who has been working with me sincec XXXX of this year. 

It is now 4 months going back and forth with XXXX asking for the same documents over and over again. Now i just found out that even though i been under review for a loan modification they filed a Notice of Trustee Sale for XXXX/XXXX/2016. i requested for her manager and she told me that the manager was out of the office on vacation and will not be back until XXXX. 

It seems like my mortgage company all they are trying to do is delay my application to take away my home, they lie about the status of my loan modification and now they refuse to help me with the loan modification review.
Product: Debt collection

Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX ). Medical fees were paid in full to XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX online payment site. Request to have reported collection removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 

XXXX Accounts Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Equifax Accounts Account # xxxxxxxxxxxx XXXX Account # xxxxxxxx XXXX Account # xxxxxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxx XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX CARD and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX CARD XX/XX/2020 XXXX XXXXXXXX XXXX
Product: Debt collection

It is showing that I have a bill from charter communication in XXXX tn from XXXX and I have lived in XXXX TN since XXXX. I 've never had charter communication.
Product: Credit reporting

I ordered a credit report for {$1.00}. A week later I was reviewing my credit card statement and Experian had charged me {$1.00} and then another charge for {$21.00}. I called and they said that by ordering a credit report that I had agreed to a 7-day free trial of a service from XXXX, a company that I have never heard of. They gave me 7 days to cancel or be charged monthly in perpetuity. Of course, since I did n't have any idea about a free trial I missed the window and they refused to refund my money. This is a TOTAL SCAM. Whatever fine print they had on the website can not stand up in court. I never agreed to nor was I notified. I thought I was doing business with a credit bureau. They slid this in unknowingly and thought they were just going to help themselves to {$21.00} per month forever??? XXXX using the Experian name to disguise themselves as a friend to consumers, only to then hit them with the exact same kind of fraud that Experian seeks to protect against.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I had taken withdrawal on XX/XX/2023 for {$1500.00}. I am going on a year paying. While looking at my statements I notice that the Balances changes. I have not missed a payment, and have not been late. In XXXX my balance says $ {$2300.00}. Then for the month of XXXX it says {$2.00}, XXXX then XX/XX/XXXX {$2400.00} and in XXXX the Balance goes up to {$2500.00}. I've been making monthly payments of {$250.00} almost a year now so how is it that I still owe {$2300.00}?
Product: Debt collection

Hello, My name is XXXX, I could not pay my credit card debt from Capital One Bank due to financial difficulties. So, I called directly to Capitalone Bank. After my phone call with the bank, I accepted the 80 % discount offer on XX/XX/2021. I gave my bank details to the CapitalOne Bank official, and he made an automatic payment plan on the XXXX of every month. 
I restructured my debt in three installments. For an unknown reason, another collection company called me about this balance, and they asked me for the total amount of the debt. I didn't understand the situation either. I started doing research. I saw that the first two installments were withdrawn from my account on XX/XX/2021 and XX/XX/2021, but the last installment was not withdrawn. I continued researching to understand why. First, I checked my bank account to see if I had any balance problems on the withdrawal date of the last installment. I have seen I have enough balance on XX/XX/2021. Then I called CapitalOne bank and reached the relevant department. I explained the problem. They gave me a number and said to call this unit. I called that number, but they gave me the number of the Collection company that called me before. I called again and explained the situation to Capital one bank 's representative. 
She said to me ; you did cancel the payment of the last installment. That's why you lost the discount given to you. You have to pay full debt, he said. I said I didn't do anything like that. I don't have access to any account to make such a cancellation anyway. I don't have an account number. I did not give any cancelation permission to my own bank. I said, how could this be? In response, they told me you canceled via email. No, I didn't do anything like that to them. I said, why would I do that? I asked if you could show me proof that I made this cancellation. The representative said, we don't have access to your account at the moment. He said to contact the collection company. 
I object to this situation, but I can't get any information. 
I want proof ; they don't show it. 
I ask when I did it, and I get no information. 
Well, if I made such cancellation, I ask why you did not send me a notification by e-mail or regular mail, no answer. 
Two of the three payments were withdrawn from my account on time, and I allegedly canceled the last installment by email. 

I could not do such a thing, and I do not accept this situation. There is something malicious here. It's cheating, in my opinion. This is a game that the bank has made, I object to it. 
I want your help on this. 

My Information : Name : XXXX XXXX Phone : XXXX XXXX XXXX and XXXX XXXX XXXX Email XXXX XXXX CapitalOne Bank Phone : XXXX Collection company Info : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a collection that shouldn't be on my report. I Was told it would be removed when it was paid but hasn't been removed as of yet. I've tried disputing it. Originally i was never contacted to let me know i owed money. Once i was i paid the balance immediately and they agreed to remove the collection from my credit report since i was never notified. Please help me any way that you can to get this removed. Thanks
Product: Mortgage

My former mortgage company sold my loan to this new fraud mortgage company called Mr Cooper without even my knowledge and my approval. My Home Insurance Company Issues A Payment For XXXX XXXX That Happen Last Year XXXX, Of The Total Amount Of XXXX Dollars But This Mortgage Company Mr Cooper Holds The Funds I Cant Even Pay The Mitigation Company That Performed The Work In My Property And The Roofing Company That Performed The Work On The Property.I Send Them The Pictures And Invoices As Proof, That Services Was Performed. But Still Their Holding The Funds. Also I Cant Even Finishing The Construction Inside The Property So That Me And My XXXX Little Children Can Move Back To Our House And Continue With Our Normal Lives, Because Theyre Holding The Funds.
Product: Credit reporting or other personal consumer reports

I was completely blindsided this morning when I saw that inaccurate accounts were listed on my credit report, and I cant figure out how they got there. I checked my report like usual, but this time, there were discrepancies that caught me off guard. I even tried refreshing the browser, hoping it was a mistake, but the problem didnt go away. I would appreciate a thorough review of my documents so I can stop dealing with this issue.
Product: Debt collection

Approximately one year ago I received a demand letter for payment of a debt I did not owe. It was for XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX nor used their equipment. I met with a rep at the XXXX & XXXX location in XXXX CT and they were not able to locate an information for me. The matter was dropped. However, I recently received another demand letter from a different debt collector for the same debt and I have responded with a letter requesting all information regarding this matter, such as a signed contract. The following is a brief : From : Credence Resource Management XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX Account No. : XXXX Credence Reference ID : XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries do not belong to me. 
Fraudulent Accounts 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 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 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 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 XXXXEquifa - Date : XX/XX/XXXX XXXX. XXXXEquifa - Date : XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues attempts to collect {$100.00} for non-return of equipment when my account was closed on XX/XX/XXXX, despite documented proof ( " XXXX XXXX Return Receipt '' ) provided to them that the equipment was returned on XX/XX/XXXX. Their most recent correspondence ( XX/XX/XXXX ) completely ignores my documentation proving their billing error, refers to my dispute as an " inquiry '', and misrepresents an enclosure from XXXX as a " response '' to my submission when the enclosure is actually not a response but is only copies of erroneous billing statements dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
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 {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been verified re-verified as accurate in XXXX and XXXX. The reporting clearly shows its not.