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

XX/XX/2022 The Credit Bureaus stated NATIONAL CREDIT SYSTEMS/ Account # : XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. The also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish the accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a pslf waiver and a debt removal form earlier this year.
Product: Mortgage

I am nearing the end of my XXXX XXXXXXXX bankruptcy and was advised by my lawyer that I do a full accounting of how the payments were applied to my account by my mortgage servicer ( Fay Servicing ), so 3 months ago I requested a full ledger of all my payments & escrow payments ( since XXXX ) and how they have been applied. 
The first time I requested it they sent me a partial ledger where the running balance columns were missing. I have since requested a full ledger, with all of the columns visible, three times. These requests were spaced out over several weeks ; they said they were going to send them each time but they never did. 
The last phone call request I made was a few weeks ago and the representative hung up on me so I called them back and recorded the call which I will attach to this request. 
During this period the total amount due, as printed on the monthly statements Fay Servicing has mailed to me has fluctuated by almost {$200000.00} : XXXX {$73000.00} XXXX {$86000.00} XXXX {$6400.00} XXXX {$200000.00} Since these numbers are supposed to come from the underlying account ledger, its clear that they are making adjustments. Whats not clear is What they are adjusting Why they are making adjustments Why they have gone to great lengths to avoid providing me with the complete ledger During the bankruptcy, they also tried to foreclose even though they were receiving the full payment of {$3500.00} ( according to my payment plan ). 
This payment was supposed to be applied as {$2400.00} toward the principal and interest and the balance was supposed to be applied to escrow on my current taxes in accordance with my mortgage agreement, but they stopped paying my property taxes and then tried to use my resulting property tax delinquency in support of their foreclosure. 
The judge ruled in my favor but it cost me {$34000.00} in lawyer fees to fight it and obtain this ruling.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX Card ) bought the account I had with XXXX XXXX and garnished my wages. I had been trying to establish a payment t plant with XXXX XXXX but they told me I would have to pay {$300.00} to bring my account current before they would accept a payment plan. I turned to XXXX XXXX XXXX XXXX for help with a Debt Management Program in XX/XX/2017. I added both of these vendors to my debt management program XXXX XXXX in XX/XX/2017 with XXXX payment every month and XXXX XXXX XXXX payments being XXXX a month also starting in XX/XX/2017 and 1 payment of XXXX in XX/XX/2017. 
I had tried to contact them several times to set up payment arrangements, emailed, etc with no response. I received garnishment papers in XX/XX/2017. They garnished my wages for a judgement amount of {$1200.00}. After receiving the garnishment paperwork I stopped making payments through XXXX XXXX to MCM & XXXX XXXX. In the mean time XXXX XXXX accepted {$250.00} in payments from XXXX XXXX and {$400.00} was accepted by MCM from XX/XX/XXXX thru XX/XX/2017 for XXXX XXXX  and XX/XX/XXXX thru XX/XX/2017 for MCM totaling {$650.00} in payments in addition to {$1200.00} ( the amount of the judgement ) judgement number XXXX dated XX/XX/17, ( long after already accepting several of my payments thru XXXX of XXXX ) bringing the amount they received from me {$1800.00} dollars! I would assume that because the judgement amount was for {$1200.00} and between both vendors they collected {$1800.00}, I would receive the over payment amount that was paid. I feel like I was taken advantage of and pushed around by a bully lawyer and credit card company and they knowingly stole money from me. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I XXXX XXXX IS VERY, VERY DISPLEASE WITH BANK OF AMERICA WHO IS ILLEGALLY WITHHOLDING UP MY ACCOUNT AT XXXX ENDING # XXXX DUE TO THE FACT XXXX XXXX STATED THAT HIS MONEY I TOOK BUT IS DUE TO MY SELF WHICH HE MADE FRAUDLENT TRANSACTION FROM MY ACCOUNT TO HIS ACCOUNT, I WANT THIS BANK TO RELEASED MY {$400.00} RELEASED BACK TO MY ACCOUNT, BANK OF AMERICA WENT INTO MY ACCOUINT FRAUDLENT AND IS WITHHOLDING, HOLDING UP MY ACCOUNT, BANK OF AMERICA XXXX XXXX XXXX, NJ XXXX XXXX.
Product: Credit card or prepaid card

Banana Republic Credit Card managed by Synchrony Bank advertised the following regarding disputing a claim:"We'll investigate and respond within two billing cycles.Within 2 Billing CyclesOnce we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry."Mid-XX/XX/2019 I submitted a claim to Synchrony Bank to dispute a recurring charge which was not authorized by me.  I requested these charges to be credited and disputed being as the merchant could not be reached directly to dispute the charge.  Synchrony Bank opened a claim and advised that it would take "60-90 days" to resolve and see a credit on my account, already false and misleading as their website states cases are resolved in no more than 60 days.While the matter was being reviewed by the bank, I was able to reach the merchant and arrange to return any items that were shipped, unused, and clear any liability with the company.  When speaking to the merchant on the phone they stated they would issue a credit to the account, but because I had disputed it directly with the credit card company they advised that the charges would be reversed by the company within the stated time.XX/XX/2019, after nearly 90 days from the time of filing I reached out to Synchrony Bank to request a status update and they advised they are unaware why the claim has not yet been resolved and would issue a request to follow-up and have someone call me.XX/XX/2019 I called Synchrony Bank again to check on the status of the claim and advised they have no apparent reason why the claim remains unresolved.  Reps advised they will issue another claim request and it should take another 60 days to resolve.  In the meantime, they did not credit my account, as their website states they would, continue to charge me interest on the purchase, and falsely advertise that disputes are resolved in "no later than two billing cycles."Synchrony Bank FALSELY ADVERTISES HOW THEY HANDLE DISPUTED CHARGES, FALSELY ADVERTISES THE MAXIMUM TIME WITHIN WHICH THEY RESOLVE DISPUTES, AND FRAUDULENTLY CONTINUES TO CHARGE INTEREST ON DISPUTED CHARGES.
Product: Debt collection

My name is XXXX XXXX. I had a debt with XXXX for approximately {$820.00}. I called them for a settlement and they explained that this account has been sold to CBE Collections Group. I called CBE and received a settlement offer for {$410.00}. This amount was paid and settled on XX/XX/19. I need a letter from CBE with confirmation of payment according to settlement offer. Im unable to get same. CBE referred me back to XXXX who refuses to give settlement letter, because they apparently still owns account despite selling and refuses to now accept payment of settlement and demands full payment before letter can be issued. All attempts have failed to get XXXX to cooperate with settlement offer.
Product: Credit reporting or other personal consumer reports

Ive been telling Experian for the last few years that I dont have a bankruptcy and even provided proof from the courts and they still didnt remove the information stating that they verified the information and hasnt sent any proof. Ive been denied for many things in the past few years all because they say that I have this.Its not on any other credit report only this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report regarding my personal information being hacked through the Equifax data breach in 2017. I faxed a copy of the identity theft report to Equifax and they are still refusing to remove the inquires from my report. I've also submit several complaints to the CFPB for resolution and have yet to have this issue resolved. The complaint ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I am requesting immediate removal of the inquires stated in the FTC identity theft report. I am also requesting immediate removal of the incorrectly reporting accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS.  On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

XXXX ) Non-profit organization established in the State of Colorado exempt from the Colorado Common Interest Ownership Act representing themselves as a XXXX XXXX. XXXX ) We have provided a rebuttal to each invoice the organization, XXXX XXXX XXXX XXXX XXXX XXXX, has issued citing terms in the XXXX & XXXX that were violated. XXXX XXXX XXXX employed XXXX debt XXXX and XXXX lawyers prior to having a statutory XXXX placed on our property. Claim, crossclaim, and counter filed in XXXX XXXX XXXX in Colorado. XXXX issued XXXX XXXX Order which forced Opposing Counsel to reissue claim due to factual errors by Opposing Counsel but has not been accepted by Judge to date. OC changing from statutory XXXX to judgement XXXX. XXXX ) XXXX contacted our mortgage holder, XXXX XXXX XXXX Bank, stating that they had filed a lien against our property and were moving to foreclose on the property if they did not pay off the amount due. At no time did they inform XXXX that they would need a judgement as the statutory XXXX was spurious ( no statutory authority, not requested with State Regulators, and attempting to collect non-awarded legal fees ). XXXX issued a letter to XXXX on XX/XX/year>, demanding an amount due which was not supported by invoice or Delinquency Notice and, demanded payments on properties not covered by XXXX ( mortgage ). XXXX reissued letter on XX/XX/year> to XXXX demanding an amount significantly increased as they moved charges from XXXX property to the property covered by the mortgage. The amount in that letter is not supported by invoices sent from the Associations CPA. XXXX ) We believe that the XXXX ( XXXX ) was in fact attempting to mislead our mortgage company into paying a significant amount of what their client was demanding and all legal fees which have not been awarded and would then withdraw their claim with the courts. This would prevent them from having to address the spurious XXXX. XXXX and our counsel discussed the fact that we would proceed with our counter claims and concluded that XXXX would reissue their claim to remove inaccurate information. XXXX ) OC has neither removed the spurious lien from our properties nor have they attempted to revise or revoke their demand for extraordinary payment from our mortgage company. XXXX ) OC ( XXXX ) was recently issued a public censure violating XXXX XXXX XXXX ( c ) ( it is professional misconduct for a lawyer to engage in conduct involving dishonesty, fraud, deceit, or misrepresentation ). The case file is public per C.R.C.P. XXXX ( a ). We believe that she also provided dishonest, fraudulent, deceitful, and misrepresented information to our mortgage holder to advance her own financial position. She did not rely on information provided to her by others as she had the facts and figures from her XX/XX/year> letter and previous debt collection action, our response, and her validation. She was also well aware that she had filed a legal action that contained inaccurate information.
Product: Credit card

for many years now, I've been using my credit cards to purchase lottery tickets. I use the lottery processor that goes directly to the lottery so the store selling the tickets don't pay the processing charge. On XX/XX/year>, I received a text message about a charge to my card that I did not make. When I logged into my account, I saw the charge along with a Cash Advance Fee of {$10.00}.... I have another card with the same company that I used to buy tickets with a couple days ago and there was a cash advance FEE of {$20.00}. I never in my lifetime have taken a cash advance on anything. So I called the credit card company and asked about the Cash Advance Fees and was told it was for buying lottery tickets, that is a new charge with their company. I was not aware of this change and never received any literature or warning of it. I was also told that it accrues interest DAILY until it's paid for! If I didn't notice this, it would keep growing until my statement came in the mail at the end of the month! I called the lottery commission and they have no knowledge of charges like this. You can't get cash back from a lottery credit card processor. The store that sells the lottery has nothing to do with it. It is the CREDIT CARD COMPANY that has decided to charge lottery tickets and any form of casino gambling as cash advances. Due to the other unauthorized charge, I had both cards reissued with new numbers. These charges are outrageous and the consumer doesn't know about it until it happens! I wanted them to reimburse me for the cash advance fee and they said they would have to cancel the charge associated with it, which doesn't make sense, because you really can't return lottery tickets! I would like the money back for these charges along with interest, they are not fair and pretty sneaky.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name - XXXX Account Number - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Product: Mortgage

Bank of America has discontinued my ability to make principal loan reductions to my mortgage account online. And you can not make payments to tellers either. Since the Bank set up this new system where all payments are first applied to interest and any remainder is applied to principal. This is WRONG and should not be allowed. 
I should be able to make principal reductions at any time during the month without it being applied to accured interest instead. This IS ILLEGAL
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act.. Specifically, Cash App failed to take timely and effective measures to prevent and addressed fraud in their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with terror resolution requirements under the Electronic Funds Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Mortgage

My XXXX mortgage on a home I own was sold from XXXX company to another. XXXX No, this is not my specific complaint. ) The information provided to the new company that assumed the loan was grossly incorrect, and as a result of this, the new company sent a letter to the tenants of the home ( I rent it XXXX stating that the home was in jeopardy of being foreclosed on. Thankfully the tenant immediately contacted the property manager who in turn contacted me. ( I was able to immediately make the necessary payment to restore the account, the NEW account. ) Complaint facts:XXXX The address that Ocwen ( the company that had the loan ) provided was a no-longer-valid address for my ex-wife, who had moved out of that address BEFORE Ocwen even assumed the loan. XXXX This address was NEVER provided to Ocwen ; I suspect they did an internet search or credit check to find this address. ) XXXX. My ex-wife never made a single payment to this mortgage, so identifying her and her ( no longer valid address ) makes even less sense. 
XXXX. I provided Ocwen my correct address, email address, phone number, and bank information several times over the XXXX month period Ocwen had this loan ; and none of my information changed during this 18-month period. 
XXXX. I did not, as a result of Ocwen 's inability to keep track of my personal information, receive any notification from them that the loan had been transferred. 
XXXX. I use online banking to pay my mortgages, and by far, Ocwen has been the most difficult and least responsive mortgage company I have ever dealt with in the XXXX years I have had a personal home mortgage.
Product: Mortgage

Attempted to complete a short sale. Obtained lien holder approval. Buyers title company was unable to obtain title insurance, therefore was unable to complete the sale. There was a backup buyer who made a higher offer, which would have made the lender more money than originally approved. They have denied a request for a new review because of the foreclosure sale date set for XXXX18. This date was activated when the back up buyers offer was submitted for a new approval. Since the date was activated the new review is with in 37 days of the auction date. This is the reasoning the lender will not review the offer or postpone the sale date to allow enough time for a new review.
Product: Credit reporting or other personal consumer reports

There were 2 credit card applications ( through XXXX XXXX ) done with my information and after reporting them to the company went on to my credit reporting agency 's and was informed my Experian acct was hacked. I was then notified that a " XXXX XXXX '' acct was also opened in my name. Experian then asked me to send a copy of my government issued id, social security card, and utility bill. I explained there was no way I would send that info to them since my account was compromised.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX {$460.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX  {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$8400.00} Date Opened XX/XX/XXXX Ally FINCL {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$38.00} XXXX XXXX, XXXXXXXX XXXXXXXX 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: Checking or savings account

Starting XX/XX/XXXX charges for {$190.00} were taken from my account continuing monthly on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I canceled my debit card and reported the fraud to the fraud department at XXXX XXXX  XXXX  XXXX.
Product: Consumer Loan

I have filed a previous complaint against carmax auto finance, they broke the law and aware of it but. Did not acknowledge it,, they called prior to the complaint and left messages and then called the same number multiple times each day, after they let. 

When I filed a complaint they stopped calling, they tagged my account with a XXXX which I did not request, just want them to be respectful when they call.
Product: Credit reporting

XXXX agreed to remove acct from my credit report since I paid full on XXXX/XXXX/16. Sent removal letter and equifax will not remove the acct I have put in several investigation and nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and I noticed that our identities are mixed up in all three credit bureaus ( Transunion, XXXX and XXXX ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX XXXX : XX/XX/1995 SSN : XXXX My XXXX XXXX Identity is : Name : XXXX XXXX XXXX XXXX XX/XX/1995 SSN : XXXX
Product: Debt collection

XXXX changed our mobile plan 2 year plan to the Next plan without our authorizations, which caused us to be responsible for the cost of the phone should we want to upgrade or cancel our service.