23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have medical data systems on my credit report twice. I went to the emergency room at XXXX XXXX XXXX once in XXXX of 2011. They turned my account over to a collection agency ( Medical Data System ) and it has posted twice on my credit. There 's a collection for {$1100.00} & another for {$1100.00}, but it 's for XXXX trip to the emergency room. Can I get XXXX of these charges off of my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.
Product: Debt collection

i ran into financial problems the account was charged off the company continue to add interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$660.00} ; 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 XXXXXXXX
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. Acct : THE BUREAUS 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years
Product: Debt collection

I have contacted the original company XXXX XXXX to dispute the amount they are attempting to collect and they refused to correct the amount and referred me to deal with credit collection agency for future correspondence. I contacted XXXX collection and disputed the amount. They informed me that they would update my account as disputed and that the original debtor would have to correct the amount. Ive received nothing but miscommunication from both parties. I am disputing the amount of the debt. They are attempting to charge me as if I never paid on this account. I disputed this amount when the collection agency called me in XX/XX/XXXX about the account. The amount that should reflect as being owed is {$210.00} dollars. I made payments on this account, and even when the original debtor offered me the option to buy the instrument they told me that the buyout would be {$210.00}.
Product: Credit card or prepaid card

Capital One will not increase my credit limit from XXXX to XXXX, I have a XXXX credit score, am Never late on payments and I own my home and have a mortgage with XXXX XXXX. I have paid off 2 car Loans and I have less than a 4 % revolving credit.
Product: Debt collection

I got 3 calls from a? Credit collection agency called XXXX. They were calling on behalf of VIP LOAN SHOP/XXXX XXXX XXXX. They have also called my husbands cell & my step sons cell phones twice after asking them to stop. They said I took out an online loan, had it sent to my bank, then closed my account so unless I pay them {$760.00} they will serve me papers for breech, worthless?, and defrauding a business and that will cost me {$1800.00}. I have not had a loan with them and never heard of them. I have been a victim of identity theft in the past and received notification that my personal information has been located on the XXXX web??? They also threatened to go to my employer with this information ( Ive been on XXXX for years ). There are different phone numbers they call from and different numbers to return their call with different names and claim numbers. I would like to file charges and collect {$1000.00} from them for each call they have made for harassing me and my family even after being told to stop. This is starting to affect my health!
Product: Checking or savings account

I opened a Blockfi account on XX/XX/XXXX. I have a checking or " wallet '', a savings or " interest account '' and a credit card with this online banking service. I'm concerned that I have not received a withdrawal I made on XX/XX/XXXX yet. It's been several business days. 
I'm also concerned about my interest account, the company is in financial distress from the XXXX bankruptcy. I have an inclination that customers funds are being misused, a similar case to XXXX. 

I'm concerned about my interest account and the investor wallet ownership in cold storage ( offline ) and how those wallets are in my name in cold storage and not to be used to satisfy secured creditors if bankruptcy comes.
Product: Mortgage

I have paid my mortgage to Flagstar Bank, XXXX, MI, of {$1900.00} every month since closing in XXXX, XXXX. On my XXXX or XXXX, XXXX statement, I noticed that my payment was escrowed for homeowners insurance. I promptly called Customer Service to inquire about this since I never signed up for escrow and pay my insurance and taxes directly. I had my insurer send the appropriate documentation confirming that the insurance was paid up to date. A Flagstar Bank 's Customer Service rep confirmed in a later call that it was up to date and my mortgage would be put in order, Escrow account would be closed. Every single subsequent call with this Bank 's service people confirmed by the end of our call that everything would be corrected and put in order ; the error would be corrected. Throughout this period, my payments have been continued every month automatically from my bank. A late fee was waived due to their error in XXXX, XXXX. 
Every single month since XXXX or XXXX, I have gotten calls, and now letters, from their Loan Mitigation Department ( Collections. ) According to my records, I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, early XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I even sent a Registered Letter to the Loss Mitigation Department and copied by Registered Mail, XXXX XXXX XXXX, Flagstar Bank 's Head of Servicing, to explain ( again ) the problem and requested that they move the funds from the Escrow and suspense accounts, which I have been told since the XXXX call would be closed, applied to my principal and interest. I received absolutely no reply to this letter. 
I followed up again on XX/XX/XXXX with " XXXX '' in the Escrow Department which was very promising. She totally understood the problem, made the appropriate computer notations and instructions to escrow/suspense account personnel, and said it would take 3-5 days to make the corrections and apply the escrow and suspense to my P & I. Today, XX/XX/XXXX, I received yet another letter from XXXX XXXX dated XX/XX/XXXX, to " consider your options. '' In my entire career in the mortgage securities business as an XXXX in the XXXX XXXX divisions of major reputable corporations, I have never seen nor been victimized by such egregious incompetence. With a 2.75 % mortgage at stake, I almost understand it, but they signed a contract to service my loan and I will continue to pay it. 
However, inasmuch as there may be harassment and/or fraud involved ( perhaps??? ), I request that my case be reviewed by the CFPB. I have followed up monthly and diligently with Flagstar Bank since XXXX or XXXX. It is now almost 6 months where their employees have said that they have resolved this issue, yet their Collections Department continues to call, send letters and apparently no one, including XXXX XXXX, EVP and XXXX XXXX XXXX has resolved the issue on my outstanding loan of $ XXXX. 
I have documented all calls, and can send documentation, letters, notations of the calls, and statements, etc.
Product: Credit reporting or other personal consumer reports

Ive mailed certified letters and disputes personal information update. The credit bureau 's arent updating information correctly. This is a violation according to the FRCA. This is my third attempt to update my personal information to all credit bureaus. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting my rights is in direct violation of the 15USC 1681 and all its subsection. Thanks in advance for resolving this matter. See attachment regarding personal information updates.
Product: Student loan

I received an email from payroll stating that my wages were being garnished for being defaulted on a student loan. I was surprised, because this was the first time that I heard of it. I contacted the collection agency and discovered

that it was on 2 loans that were serviced by Navient. Thinking that it was a mistake, I asked Navient if they had information on me being defaulted on any of my loans, and they said no and confirmed that I was in good standing with all my loans. Navient emailed me a letter stating that I was in good standing and not in default, including the two defaulted loans. I called the Department of Education and they gave me the dates of the two loans that they said I was defaulted. Navient was the loan holder. I was confused, because Navient said that I did not default on any of my loans, and I had a letter stating it. I called Navient again and asked to speak to a supervisor. I spoke to XXXX, who was a supervisor. He had to go through the loans and search what happened, because the account history did not have any information indicating that I was in default. He was very helpful and found two loans that Navient had sold back to the Department of Education. He said that I was late on my payments. I asked him the dates and he told me in XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, I was very ill and was going back and forth to the hospital and ended up having XXXX in XXXX. I was on short term XXXX. I remember calling Navient and requesting my loans to be deferred or put on forbearance, which they were. Navient never told me that the two loans were sold ; therefore, I thought all my loans were being managed by Navient. I never knew that there was a problem. Why would I have all my loans put of forbearance except for these two loans that they sold. 

I looked at my Navient account and saw that Navient accrued interest right before selling the loans back to the Department of Education. Those loans also happen to be my oldest loans. It is suspect that Navient not only accrued interest before selling them back to the Department of Education, but they did not put them on forbearance with the rest of my loans, and I was not notified of the transaction. There is a lack of transparency and of full disclosure regarding how they managed my loans. Furthermore, the information on my Navient account does not match what the Department of Education has on record regarding these two loans. The Department of Education has them as being in forbearance and in repayment.

I am currently completing an application for loan rehab and appealing the wage garnishment. However, I am disheartened that Navient could do something like this and deny responsibility for their part. When I asked XXXX, we said that they did send me notices that the payments were late, which I knew and requested forbearance. He stated that he does not have anything proving that I requested forbearance for those two loans and apologized for the miscommunication. If I did not request forbearance, then why were the rest of my loans put into forbearance, except for these two? I feel that this is beyond miscommunication and is negligent.
Product: Debt collection

I entered into a contract in XX/XX/XXXX for 42 months at the amount of {$60.00} for a home security system through XXXX. Based on this, the contract would have ended in XX/XX/XXXX. Although I was very unhappy with the service, I fulfilled the 42 month contract and paid on time every month until the end of the contract date. I personally contacted XXXX  by phone to remind them that my contract officially ended and that I no longer wanted their service. They informed me that I had to cancel through a notarized letter to headquarters in order to cancel it. I called a total of five times reminding them that the contract has ended and that I no longer needed their service at this point. They continued to bill be until the bill had reached over {$600.00} and then they disconnected the service. I recently checked my credit report which states that I now owe {$900.00}. I sent the collection company a debt validation letter asking for additional information like total payment history/amount paid, which would reflect that I paid until the end of the contract. They did not state how they arrived at the total amount due, just provided me with the contract, which states everything I have been saying. As result, I should not be responsible for the delinquent amount because I fulfilled the contract that I signed and agreed to. I ask that I be relieved from this debt and it should be removed from my credit reports. I will attach a copy of validation letter, letter for demand of payment by Perfection Collections and copy of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft I have several accounts on my credit report that are not accurate with multiple inquires. I have tried to reach out to the companies to explain the situation and I have not gotten any help I have been dealing with this issue for Months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is ignoring my request of suppression from sharing my personal credit report. I have submitted several request to suppress my credit report, yet my request are not being honored. I have added the necessary documentation to expedite the suppression request. I have even added the verification documents to this complaint. 

Please delete the unverified bankruptcy from my credit reports. The bankruptcy court has already confirmed that they do not share information, nor do they verify information pertaining to bankruptcy filings. Therefore, this account is fraudulent and inaccurate and defamatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I AM DEMANDING YOU TO REVIEW AND HELP ME TO REMOVE THIS INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY
Product: Credit card

My TD Bank credit card account received {$1000.00} premium refund from XXXX XXXX XXXX, but this refund suppose to be returned to my client 's credit card ( I am the insurance agent of this client ) but not my credit card. 

I called TD bank, asked them to reject this payment, send the refund back to the Insurance company, but they won't. Instead, TD bank put this refund toward my balance. This is not right. TD bank shouldn't accept payment which is not for me. 

I also called XXXX XXXX XXXX, their representative said once the refund is sent out, they can not get it back. 


Supporting documents are attached, please review. Thank you for much for your great help!
Product: Credit card

My husband and I have a credit card through Chase. On XXXX/XXXX/15 I set up an automatic payment of the balance due each month through Chase 's website. I received confirmation that Auto Pay was set up from the XXXX/XXXX/15 bill going forward. I then received a phone call from Chase saying that my bill was overdue and unpaid on XXXX/XXXX/15. After speaking with customer service, I discovered that my payment did not go through for some reason, although Chase could n't explain why. I made a payment through Chase 's website on the same day and corrected the banking information they had for the next auto pay. When I received my next bill, it said in bold letters " Auto Pay is ON. '' I called Chase Customer Service on XXXX/XXXX/15 and they confirmed that Auto Pay was on. I therefore did not schedule a payment through my bank for the next bill cycle due XXXX/XXXX/15. On XXXX/XXXX/15, Chase Customer Service called my home and told my husband the bill had n't been paid, said he " was a deadbeat '' and " had obligations. '' This same day, I called Customer Service back and they told me that Auto Pay was NOT on, and had been deleted on XXXX/XXXX/15, although Chase did not avail itself of any of our contact information to inform us of this. Chase refused to credit the {$25.00} late fee, so my husband cancelled the card and I scheduled a payment of the full balance due through my bank. I am requesting a refund of the {$25.00} late fee since this was an error that I thought was previously resolved. Chase 's collections department should not be calling customers " deadbeats '' when they have been paying their bill IN FULL, every month for years until trying to use their ridiculous auto pay service.
Product: Mortgage

I contacted Primary Residential Mortgage, XXXX on Monday XXXX XXXX to start the mortgage process. I spoke with XXXX XXXX. I filled out the application the next day. He called me back to tell me I need to pay on a credit card to hopefully raise my credit enough to get approved for a loan with no money down. The next day, Wednesday, XXXX XXXX, I contacted XXXX XXXX to get a copy of my credit report that he didnt go over with me. We only spoke about the XXXX card. He asked why I wanted it and asked, what are you doing? I told him I wanted my credit report to look over it and that its mine. I asked to speak to a XXXX. XXXX XXXX hung up on me. I called back and spoke with the XXXX, XXXX XXXX XXXX, and told him what happened. He was not very concerned but told me he would mail me a copy of my credit report. On Thursday, XXXX XXXX, I still had not received my report, so I called and got XXXX XXXX XXXX secretary. I told her I still had not received my credit report. She called me back to say XXXX XXXX XXXX advised her he had requested it on Monday, XXXX XXXX, and I should have it soon. That was almost a week after I had asked for it.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX Account number : XXXX On XX/XX/year> i got incarcerated. I was released on XX/XX/XXXX! During my incarceration, I was a victim of burglary someone broke in my vehicle and stole my phone and wallet. With access to my wallet, they used my credit cards without my permission. I reached out to XXXX XXXXXXXX and filed a dispute but was unsuccessful. Im unhappy about this because I was a victim of fraud and unauthorized purchases on this account
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX 2. Police Report filed with my local law enforcement agency. 

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.
Product: Checking or savings account

I deposited a check for {$650.00} on Monday XX/XX/2021 into First Bank Florida. The check cleared the XXXX XXXX on XXXX XXXX ( See Attached ). As of XX/XX/XXXX the funds are not in my First Bank Florida account. I would like to know where the funds are and why they are not available after they cleared XXXX XXXX bank.
Product: Student loan

They took my student loans off my credit and put it back on there. I thought once something is off your credit it's supposed to stay off. I don't get how they can take it off and put it back on. That's not right to me.