23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX we were offered a special forbearance on our mortgage from M & T Bank due to temporary hardship. The way the forbearance was explained to me was that we could simply pause our payments for 6 months and the bank would just add the 6 months to the end of the term of the loan. There would be no changing of the terms of the loan and it would not go on our credit report. 
At the end of that 6 months in XXXX of XXXX, I called the bank to begin making payments again. They explained that we were eligible for another 6 months and that the terms of the forbearance were still the same as before. We agreed in order to take the opportunity to pay down some of our other debt. 
We then called the bank in the middle of XXXX to schedule our mortgage payment for XXXX. Thats when we were told the terms had changed on XX/XX/XXXX, without us being informed, and that we would have to pay the past due balance of nearly {$30000.00} in full in order to keep our original loan terms and that if we could not do so then they would have to submit a loan modification and it would be based off the current interest rates. We were told that there are no other options than those XXXX or we would be subject to foreclosure. 

After the loan modification was approved our interest rate had doubled and our payment had increased {$1000.00} from the original payment. 

After a few conversations with customer service reps we found out that the original forbearance we agreed to was no longer in place after XXXX of XXXX, and we were never informed of this. Not even when they offered it to us again in XXXX of XXXX. 

We are currently scheduled to make a payment of {$2900.00} on XX/XX/XXXX as part of a trial payment for XXXX months in order to continue with the loan modification so that we do not face foreclosure. 

We feel as though, rather intentionally or unintentionally, we were mislead both in XXXX of XXXX and XXXX of XXXX as to the actual terms of the forbearance. On top of that the terms were changed without our knowledge. It was never explained to us that the forbearance was subject to change at any moment and that it was not even up to M & T Bank but that their investors dictated the terms of the forbearance and could change them without notifying us at anytime they chose.
Product: Checking or savings account

I opened a checking account with Fifth Third Bank with {$100.00}. I was planning on adding more money to the account. Had the account for 1 and 1/2 years. I decided to close the account, as I have an account at a local credit union, and another bank. Did never withdraw or use this account at all. Fifth Third Bank charged me {$35.00} for a dormant account. I couldn't believe it. So I received {$65.00} dollars. They tryed to tell me it was because of the IRS. I don't believe them. How are they allowed to get away with this. I hope you can help me in this matter. Thank You. 

Sincerely, XXXX XXXX
Product: Credit card

I had an account with Navy Federal. I had medical issues and they charged off the account # on XXXX 2014. In XXXX/2014 on my XXXX report they reinserted the account XXXX by adding XXXX in front of the account number they modified all the history of the account after my attorney told them I would be filing for bankruptcy to stop the judgement on the Charged Off account. I disputed the duplicates and they only removed XXXX of them. The history and everything else that was disputed and incorrect remained and they kept verifying the debt as correct. 
On my XXXX credit file I had no Authorized User Account on XXXX/2014 when the debt was charged off for my husband on his account # XXXX they added the account removing all history on the Charged Off account and labeled me as an " Authorized User ''. I have disputed this account since last year and they with the intent to collect have continously verified all information as valid when in facti it is not. 
At this point I want to have BOTH ITEMS deleted for due to multiple violations of my rights under the FCRA, the bankruptcy chapter XXXX stay and violations of the Discharge injunction.
Product: Student loan

I have been contacting FedLoan since they assumed my loans without my permission inXX/XX/XXXX. I have asked them for the following and since I was a enrolled in paperless billing I was under the assumption they would keep all old statements online including promissory notes and number of PSLF payments counted each month. I have requested the following from them to no avail. 

Promissory notes as the amount I borrowed does not match their amount. 
All billing statements from XX/XX/XXXX-Present A formal review and a complete itemized list of PSLF payments since XX/XX/XXXX when the now defunct XXXX XXXX had me eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.
Product: Vehicle loan or lease

Car was purchased 4 years ago and was in an accident with the vehicle. The company I had purchased it through claimed to have provided gap insurance and after the accident they told me it would be taken care of with the gap insurance. Now 4 years later its still on my report as an open loan and when I report it to XXXX XXXX or XXXX they reject it. I contacted the car dealer and requested documentation about the vehicle and at first they claimed they had no record of me then they claim it was sent to collections but dont know where then they claim it was actually covered by gap and no matter what documents i requested they deny my requests to send it as its a closed file and they dont have it on them. Theyre suspicious, liars and scammers. I dont want this car as an open loan when I havent had the car in 3 years and was told it was covered after the accident. 

Even the payment information they report is wrong cause they claim I paid XXXX in payments which is a lie cause I paid almost half the car off at the time of the accident. Also one of the photos shows the date when the photo of the vehicle was taken
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : Account Name : XXXX XXXX XXXX XXXX Amount Alleged Owed : XXXX XXXX, 2021 Request to Cease Communication : Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested : Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. 

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

On XX/XX/year>, I called Equifax customer service multiple times to request a credit freeze and set fraud alert. Despite providing confidential personal information, my request was refused by all Equifax customer service agents. Even a supervisor named XXXX XXXX repeatedly asked for unnecessary details, including my full SSN, phone number, and email address ( never heard that email address is used to verify identity! ), which are not required by other bureaus for this process, then he still refused to provide the required service requested by me. 
Equifax call center staff is unprofessional, their background was crowded and highly likely for others to overhear my confidential information. Under this environment, the agents request for full SSN over the phone is not following security measures of FTC and FINRA guidelines. Even after reluctantly providing all information, agents still refused to place the freeze and fraud alert, asking for MORE information to be mailed to Equifax to be reviewed, including a photocopy of my SSN card! 
Under FTC regulations, the credit freeze and fraud alert service are required, yet Equifax lacks an easy online process, forcing customers to create an account in order to access any service. Even after attempting to create an account with Equifax, I was redirected to call Equifax Customer Center to open an account.

I request immediate action to place the freeze and fraud alert. If any credit abuse occurs before credit is frozen, Equifax is responsible. Equifax staff 's actions have put my personal information at risk.

I expect a prompt resolution.
Product: Debt collection

This apartment complex is claiming not only that I lived there, but that I broke a lease with them and owe them money. They have illegally obtained a third-party collection agency to destroy my credit and collect on a debt that I do not owe. This collection agency has furnished no proof that this is a valid debt, nor that this debt is mine. I am demanding that this apartment complex retract all erroneous attempts to collect on the false alleged debt immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was datedXX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone onXX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Consumer Report # XXXX. Victim of ID theft. Not satisfied with the investigation. From start only account liable for is XXXX. Unemployed only reason have not made any payments. Will honor the debt ASAP. Other accounts totally unreasonable. Just refer to my comments in disputing that report. XXXX XXXX only agreed to cosign 1 loan  for {$2000.00}. Now it turns out to be who knows what. Was unemployed at the time was asked to cosign a second time. Definitely could not pay another loan. Seems to me very lax, irresponsible to be even considered as a cosigner if I could not pay. Definitely not liable. With regards to Human Services account being delinquent of {$140.00}, never lived at the address in XXXX XXXX which was used. Absolutely never received any payment or money from that institution. Never opened an account with XXXX XXXX, XXXX. Definitely should be taken out of that report. Seems not to accurate information or a poor job was done. Definitely will follow with the companies involved personally to try to clear it up. Thank you for your kind attention.
Product: Credit reporting or other personal consumer reports

We requested that they remove the late fees because I paid in full when I was living in XXXX, before moving to XXXX. However, a few months later, they placed me with a collection agency for less than {$0.00}. Since then, I have been trying to have the late payments removed. 

I paid the {$0.00} and closed my account with them due to the trouble they caused. Despite my efforts to resolve the issue and pay the amount in question, they are still refusing to remove the late payments from my credit report.
Product: Credit reporting or other personal consumer reports

ANY AND ALL NEGATIVE REPORTING IS DEFAMATION OF CHARACTER. THIS COMPANY IS NOT AN OFFICIAL GOVERNMENT REPORTING AGENCY. I WILL BE FORCED TO SUE THIS COMPANY IF THEY CONTINUE TO CAUSE HARM TO MY WELL BEING WITH DEFAMATING MY NAME. GIVING FASLE CONSUMER SCORES AND SHARING/SELLING MY INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT. 15 USC 1692 C, I DID NOT GIVE PERMISSION TO BE HARASSED BY YOUR NEGATIVE REPORTING AND SELLING OF MY INFORMATION. THE FAIR CREDIT REPORTING ACT 15 USC 1681 ; STATES REPORTINGS SHOULD PROMOTE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION, ARE MY RIGHTS. YOU HAVE 4 DAYS TO DO WHAT IS FAIR AND EQUITABLE TO ME AS THE CONSUMER AND REMOVE ALL NEGATIVE REPORTING. ALSO HJR 192 STATES THAT I HAVE UNLIMITED CREDIT BACKED BY THE UNITED STATES SO MY CREDIT SCORE SHOULD REFLECT THAT AS WELL.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

This problem is the same issue I had with XXXX bank XXXX. Please reference my previous complaint. I made a transfer from my XXXX Bank checking account to my XXXX mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX PM. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all XXXX major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.
Product: Mortgage

I have a XXXX mortgage on my home at XXXX XXXX, XXXX, MI XXXX. I filed for bankruptcy and was granted relief in XXXX of XXXX. The loan was sold by XXXX to XXXX XXXX in XXXX I believe because articles state all mortgages where sold to them. I havent been able to contact either company and I have no information on resolve the outstanding balance. The XXXX mortgage ( home equity loan ) account number is XXXX. 

I am in the process of settling all the mortgages on the home so I can save it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit card or prepaid card

I purchase online from XXXX very frequently. On XXXX XX/XX/2022 they billed me twice. One was for a charge that I made ( XXXX $ ) and one that I did not make ( XXXX $ ). 

I had no record of that XXXX charge. I then logged into my XXXX acct and that charge is not listed. The other charge for that day is listed. 

I tried several times to speak to someone at XXXX, but never got past their recording. Or just being on hold for over 15 minutes. 

I then registered this with chase credit card. They investigated, but said they found no info on that charge and are therefore denying my request. I responded and challenged that, but they never responded again. 

I have my monthly balances due automatically drafted from my checking account and yesterday they drafted the full balance on that statement including that incorrect charge. 

I logged into my chase acct, and see that I was charged for that incorrect billing and no mention of it being disputed. 

Please intervene for me, thank you, XXXX