23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX account XXXX This account is reporting inaccurately on my credit profile it says this account is charged off for {$680.00}. I asked the creditor for a 1099c form and they replied stating we are unable to fulfill this request because we have not filed a form 1099 c as there has not been a forgiveness or cancellation of debt in the amount of {$600.00} or more for this account please remove from my report immediately this account is reporting inaccurately!
Product: Mortgage

In XXXX of 2020 I entered into a forbearance/deference agreement with Morgan Stanley Home loans. Initially, it was for 3 months and it was extended to 6 months. When I last spoke to a representative on XX/XX/2020 I requested that they extend for another 2 months and the representative said that shouldn't be a problem. I received another call and someone else told me something different in that I could not extend another 2 months and that I would have to agree to a deferment so I did so. They told me that I could in a sense put the XXXX payment into the deferment plan and possibility of putting the XXXX payment in the deferment agreement so essentially I would extend for another 2 months. I kept getting automated calls to call Morgan Stanley, everytime I called I would get a different response, this time the representative told me that I had to make the XXXX payment immediately. I would have liked to have extended my forbearance for another 2 months and put that into the deferment plan but I keep getting told different things. At one point a couple of months ago when I asked for the modification package to be sent to me another representative told me that I would only be able to defer 3 months of the payments and the other 3 months I would have to pay as a lump sum.
Product: Credit card

On XX/XX/scrub> 2024, I disputed a charge for {$86.00} to my Goldman Sachs credit card account regarding a transaction with XXXX XXXX. This dispute was related to fraudulent and deceptive practices by XXXX. 

When I contacted XXXX directly to request a refund in XX/XX/scrub> 2024, their representative informed me that they " do not have any possible ways to initiate a refund on deleted account as the account is no longer registered in XXXX. '' The representative explicitly advised me that " the best will be to dispute the charges with the credit card company. '' Not only did XXXX engage in fraudulent business practices, but they lacked the necessary technological or operational capacity to redress the matter. 

On XX/XX/XXXX, Goldman Sachs denied my chargeback request, stating that " the transaction was not canceled in accordance with the merchant 's terms and conditions. '' This assessment is neither correct nor germane to the dispute. I did not violate any terms or conditions established by XXXX, whether in establishing, maintaining, or ending my business relationship with them. The charge in question relates to my cancellation and is, in fact, fraudulent. My compliance with terms set forth by XXXX was not questioned when I contacted XXXX for redress. 

I contacted Goldman Sachs again on XX/XX/XXXX to reopen the dispute case. Goldman Sachs agreed to do so, but, as of yet, they did not resolve the issue. 

Goldman Sachs ' handling of this dispute appears to violate their legal obligation to handle disputes fairly. Their decision ignores the context of XXXX 's alleged deceptive practices and disregards the merchant 's own advice to dispute the charge. Their reason for denying the dispute is irrelevant to my complaint and is not grounded in fact. I believe their poor handling of this dispute case is part of a pattern of mishandling customer refunds and billing disputes.
Product: Credit reporting or other personal consumer reports

This account is not mine, Im unaware of it even being made or created under my name and with my information, I tried to dispute and it was placed as a charge off thats effecting my account, I would very much like for this to be deleted
Product: Mortgage

My wife and I refinanced our home through Movement Mortgage in XX/XX/2020. Just before closing we were told we must have an escrow account even though we haven't one in over 10 years or be charged a higher rate. ( despite a 75 % loan to value ). 

At closing XXXX collected 14 months of XXXX XXXX premium and taxes. Our home owners policy was due in XXXX. We just received a cancellation notice from our carrier for non-payment. Our insurance agent said XXXX was billed 3 times for the premium and still hasn't paid them. I have received out to Movement Mortgage and haven't heard anything. 

To resolve this issue I would like the premium paid in a timely matter and the escrow dissolved with all monies returned to us. We will pay our own bills " XXXX XXXX '' going forward.
Product: Debt collection

XXXX and XXXX XXXX. started a garnishment on XXXX XXXX XXXX for Ford Motor Company on XXXX XXXX through the XXXX XXXX Magistrate Court . XXXX XXXX was served with a garnishment at his place of work which caused integrity problems with XXXX 's employer. This could have been avoided if the attorney would have chosen to use the due process of Georgia State laws on collections. This case XXXX was first brought to the attention of the Georgia State Court in XXXX XXXX XXXX XXXX. XXXX XXXX has recently purchased a house from the U.S, XXXX, and also purchased a car that was financed through XXXX XXXX with no attention brought to this alleged debt. It is XXXX 's belief that this debt was sold and then recently enacted due to the lax in due process rules because of Covid-19. The XXXX XXXX Magistrate court denied sending the garnishment themselves and told XXXX XXXX that the process of collections was only filed through their system electrically and is done on the pretense of the collection agencies and attorneys will use state by state protocol in lu of Covid. This alleged debt is over 15 years old and does not meet proper collection protocol in the state of Georgia, which is 6 years. There was no due process of the alleged debt.
Product: Debt collection

Capital One is reporting debt as if it's new. Last date paid was about XXXX ago. According to statue of limitations I am no longer liable for debt anymore. Because they are reporting it as if account is still open/new, it has harmed my credit/ credit score. I feel they should delete and update information on all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX  and Transunion an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 I received a line of credit from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying it. It became a charge off but it is definitely PAID off now.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/XXXX I took a call about reducing my rate - when I got a persona I asked them to stop calling me as I get these call almost every day. The person on the phone argued with me about my credit card debt, said they were from my CC company 's billing department, and why didn't I want to reduce my rate? I repeatedly told him I don't want any more calls then hung up on him as he tried to argue more. 

If it is my CC company it is Chase and the card is an Ink card.
Product: Mortgage

PHH mortgage had sent me notice that i need to submit proof of flood insurance from my condo. so i did, 3 times. once i emailed it to XXXX by email, then twice to the XXXX website. 

I had tried to reach someone at the XXXX but there is no live human being to speak to because PHH hired a third party company to do all the work through an automated system that doesnt even work. 

now i am submitting this complaint because PHH decided that they charge me {$300.00} and more for flood coverge when i already have it. it was renewed by my condo since XXXX. But PHH and this third party company is so incompetent, that they have thoroughly stressed me out and are now fraudulently charging me to flood insurance to which i already have. 

Please investigate this situation and charge the people responsible for this fraudulent attempt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several efforts to resolve this matter directly with TSC Accounts Receivable Solutions. I have never done business with this company and there is no signed agreement with company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS A CHARGED OFF ACCOUNT BUT IT KEEPS REPORTING AND HAVE A BALANCE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute any and all transaction on my account that XXXX has reported with XXXX, XXXX and transunion, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates. 
15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

I will provide a photo of my statement. I am being charged {$71.00} on an account that is closed. No access to pay on line. I have to call every month practically begging to make a payment. All on time payments. It took many many months to get assistance to be put in there so called hardship plan with TD. It was for for two years no interest with a monthly payment of {$42.00}. This passed XXXX I have been trying to reach that department over and over. I am being told to call XXXX. I was provided XXXX number. Which has no affiliation with TD Bank. XXXX XXXX was the director of the hardship department. The only one with moral fiber. He no longer works at TD I come to find out. His number was XXXX. When I asked for this hardship I was not in default or late. My Mother became very ill and used all my savings and needed assistance due to the financial stress of taking care of my Mother. TD tells me I need to go into default!!!! Total violation. I was not going to do that. Finally I speak to XXXX XXXX after many many many months I am put into a hardship plan. Its a disgrace how badly I am treated. What these people put me through. I was on the phone 3 hours on Monday XX/XX/XXXX to make a payment and inquire why I have I interest charges. I spoke to 11 people. No one would take my payment! I was transferred to the Levy department. These people are scumbags. No one would give me the number to the hardship department nor assist in any way. I received a call from the State Attorney General Office as they received a call from OCC and all the trouble I have been having. TD is finally being investigated to all my allegations that taken place from the beginning. This has taken a toll on my XXXX  with all I have endured. I have no access to this account accept for mailing statements which sometimes I do not receive. TD removed my checking account when calling in as I have no other choice. Applied cash payments from TD bank where I went physically and credited payment to another account. Disgusting hood rat behavior. I will not tolerate this anymore! I was given XXXX. XXXX email who never responded in the last week. He is the SVP of customer service!!!! No response. Not surprised.
Product: Credit reporting or other personal consumer reports

Experian and Equifax are in violation of inaccurate information. XXXX XXXXXXXX is paid off and us reporting correctly on XXXX.
Product: Credit card

I must bring to your attention that following my attempt to tender payment on the account in question, Capital One unilaterally closed my account without any prior notice or warning. I question how access to my own credit under the open-ended consumer credit plan, as defined in 15 U.S.C. 1602 ( g ), can be denied in such a manner. Moreover, Capital One has unjustly reported information to all three consumer reporting agencies without obtaining my written permissible purpose, in direct violation of the Fair Credit Reporting Act. 

Even if Capital One asserts that the terms and conditions permit such actions, I maintain that these terms are inherently fraudulent and deceptive due to the lack of proper disclosures that I never received under the Truth in Lending Act ( 15 U.S.C. 1605 ). Capital One has also failed to meet the requirements outlined in 15 U.S.C. 6801 and 6802, which protect my right to opt-out of having my information shared or reported to any third party. 

By engaging in these practices, Capital One N.A. has not only harmed me as a consumer but has also failed to respond to the correspondence I previously sent. This has subjected me to what can only be described as wage and debt slavery, as the bank has deceptively and intentionally misappropriated the meanings of critical terms such as " payment, '' " promise to pay, '' and " pay, '' as defined in Black 's Law Dictionary, 4th Edition. According to this legal authority, " payment '' simply refers to the fulfillment of an obligation. 

In our modern financial system, a " promise to pay '' has come to mean that collateral securities are created each time credits on the account are used, and these negotiable instruments are endorsed and utilized by banks and other financial institutions to access the Federal Reserves discount window. This process effectively tricks the consumer into believing that a debt exists, despite the absence of any actual gold, silver, or other materials of value as required by Article 1, Section 10 of the United States Constitution. 

Given that Federal Reserve notes are themselves debt instruments, I must ask Capital One : if a debt is allegedly owed, why demand payment with another form of debt? Legally, a debt can only be " paid '' with money, not with another debt instrument. I am prepared to submit endorsed negotiable instruments as lawful tender of payment, in accordance with XXXX Article XXXX. These instruments will be stamped, signed, and endorsed to fulfill any supposed obligation attributed to XXXX XXXX XXXX, thus balancing Capital Ones public ledger. 

It is Capital Ones responsibility, as the holder in due course, to apply the endorsed instrument as payment, earn interest from the collateral securities generated by my use of the card, and, if desired, redeem the instrument for Federal Reserve notes. This arrangement should ensure that I, as the beneficiary in this relationship, continue to have access to the card and benefit from higher credit lines and limits.
Product: Mortgage

When applying for a reverse mortgage I had to have my home appraised, for which I paid. The appraisal took a month. They only did a drive by. Then the appraisal came in at between XXXX and XXXX XXXX dollars below market price. I proceeded with the appraisal based on an approximate value of my home at approximately XXXX, XXXX. The homes in my area are selling for approximately XXXX for smaller homes on smaller lots. XXXX estimates my home at XXXX. XXXX at XXXX and XXXX at XXXX The XXXX hired by XXXX appraised it at XXXX. While the online estimates are just that a there is clearly something wrong with the appraisal. XXXX did a bait and switch. They dangled a carrot at a loan that a they had no intention of following thru with. I think they should round the appraisal price based on their tactics. I paid XXXX for this faulty process. How much does XXXX receive of this as a kick back? This all took place during the months of XXXX and XX/XX/2021. XXXX loan number was XXXX. Their appraisal number is XXXX.
Product: Money transfer, virtual currency, or money service

The mon of XXXX and XXXX XXXX XXXX stole my identity and i cant get help with getting her off. She put cards in my name and is using them.
Product: Student loan

Been in a battle for years for a student lostudent loan I never took, in an educational institute accused of fraud in court and later closed. I had sent documents, lawyer letters, but always denied. They only have a pc of paper with my supposed signature.Ask them to take me to court. They never did, but every year they contact me reclaiming the loan money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXXXXXX  Email : XXXX Date : XX/XX/XXXXXXXX  Subject : CFPB Complaint Regarding EQUIFAX Data Breach and Fraudulent Information on My Credit Report To Whom It May Concern, I am writing to formally file a complaint against EQUIFAX regarding a data breach that has compromised my credit profile and has led to the inclusion of fraudulent information on my credit report. 



Summary of Complaint : I am XXXX XXXX XXXX, a consumer with the above-mentioned address and date of birth. On XX/XX/XXXX, I discovered that my credit profile with EQUIFAX contained fraudulent information that I believe is a result of a data breach. This erroneous data includes fraudulent information, unknown accounts, inaccurate personal information, unauthorized credit inquiries,. I did not authorize any of the transactions or account openings associated with this fraudulent information. 



I have already taken the following actions : 1. Contacted EQUIFAX to dispute the fraudulent information and requested Validation of accounts with PROOF OF WET SIGNATURES ON ORIGINAL CONTRACTS.

2. Placed a fraud alert on my credit file.

3. Requested a copy of my credit report to review all unauthorized activity. 



Despite these efforts, the fraudulent information remains on my credit profile, and I have not received a resolution from EQUIFAX in a timely manner regarding these accounts. 

Accounts numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Resolution : I request that the CFPB assist in investigating this data breach and the fraudulent information on my credit profile. I seek the following : 1. Immediate removal of the fraudulent information from my EQUIFAX credit report.

2. A full investigation by EQUIFAX into the breach and unauthorized activity.

3. Confirmation that my credit file is secure and no further unauthorized information has been added.

4. Compensation for any harm or damages caused by the breach, including potential impact on my credit score or eligibility for credit. 



BY LAW UNDER 15 USC 1681 RIGHT TO PRIVACY. 



I appreciate your attention to this matter and look forward to your prompt response. Please contact me via email at XXXX if you require additional information. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the company to remove credit freeze and sent a copy of my social security card, drivers license, and utility bill to permanently remove a credit freeze and they put it back on without my consent. Transunion constantly sends you to XXXX and it is a vicious cycle of sensitive information being given out to those that have the opportunity to commit data breaches and other identity crimes.