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

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

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: Mortgage

Seterus is the service of loan in my fathers name who is deceased. 
They are attempting to foreclose on the property. 
I am offering to bring the loan current and continue to make payments however they will not provide the payoff figures to me. 
I have supplied both the Death Certificate and POA of my mother, the surviving spouse.
Product: Debt collection

I am a survivor of XXXX XXXXXXXX, and when I fled my apartment in 2021, I provided the owner of XXXX XXXX with a police report as evidence of the imminent danger to my life. According to Texas state law, if a XXXX XXXXXXXX survivor can demonstrate their peril with such evidence, the apartment management is obligated to waive any outstanding balances and release them from their lease agreement. It is unlawful in the state of Texas for this situation to result in collections or adversely impact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Account Number- XXXX I financed a XXXX XXXX XXXX from this company back in XX/XX/XXXX. This vehicle was involved in a hit and run back in XX/XX/XXXX. I purchased gap insurance. The insurance company made a payment of {$7900.00}. Gap insurance was suppose to cover the remaining of the vehicle. They requested a police report which I submitted a partial police report because the investigation was on going because the person who hit my vehicle led the police on a chase and somehow was able to flee the police. So the police report was never finish. This company closed out my gap claim and now for 2+ years have been reporting my account past due. I contacted them to see if they could reopen Gap claim to cover charges and company denied my request. This account has negatively impacted my credit score. The account remains open until today reporting 120 days past due each month which is inaccurate reporting. I am unable to purchase another car or a home because of this account. Thank you for ruining my credit after I purchase gap for this particular reason and it didnt fall through for me.
Product: Credit card or prepaid card

I have XXXX  XXXX  XXXX credit card approved by Bank of America in XX/XX/2019. The welcome offer states that there will be XXXX AS point + {$100.00} if I make more than {$2000.00} expenditure within 3 months. 

My expenditure was XXXX, XXXX, XXXX within the first three months, respectively. 

I did so. However, I haven't received a welcome bonus until now. I called them but they always asked me to check later. So far, I haven't received the welcome bonus as they claimed.
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/XXXX
Product: Credit card

On XXXX XXXX, I left the US and went back to m home country XXXX. Before I leave the state, I closed my boa credit card, and all the subscriptions on all my software app. And paid back XXXX XXXX  to my credit card, ( the total limit on y credit card is XXXX XXXX ). 

On that day in XXXX, I went to my local BOA bank branch in XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, to close my credit card. After they have made a phone call to the bank, the associates at that branch told me that they have successfully closed my credit card and confirmed I paid back all my debt on this card. Without letting me know that there is still XXXX XXXX unpaid. I did not notice that. And thought my card was closed successfully and there is nothing more to worry about this card later. 

2 months later, in XXXX, I fly back to XXXX. And in XXXX we do not use XXXX because it is banned. One day in XXXX I used vpn to access my gmail, and see that my credit card still has XXXX XXXX unpaid and I decided to ask about that. But I did not know where that XXXX XXXX comes from because I already closed my account in XXXX. And then I checked on earlier emails and find out that on the day I closed my credit card, I still have XXXX XXXX unpaid debt and the interests were rolling in these 6 months and now it has reach XXXX . So XXXX XXXX interests in half year. And I don't know why they would tell me my card is closed successfully while it appears on my bills that there is still XXXX XXXX unpaid. And without me knowing now the debt plus the interest increased XXXX . And also while I am at XXXX, I am not able to call BOA to ask about this bill because they told me they have no access into my credit card. Because I can not provide them with a US phone number. So now the interest is still increasing and I don't know how to pay the bill, because I am at XXXX, and also I don't know why I should pay the bill because I am not sure where the XXXX XXXX comes from. ( whether it is interests or it is something else like bank errors or false charges. ) And last year, BOA also declared to end its relationship with me because they suspected fraud. Since then I could not use online mobile banking anymore because it is locked forever. Also since they suspected me fraud, my money XXXXXXXX XXXX was also frozen in my checking account, even after I made several attempts, BOA still has not declared whether they found a true falsehood with this money or whether they are going to return this money to me. This money was from my mother, she gives this to me as my XXXXXXXX XXXX XXXX XXXX 

I wonder bank of America is wrongfully taking my money and not doing their job right to avoid extra charges for their customers. Now I can not track my credit card bills, and there is no local branch in XXXX where I can visit to either know about this billing or to pay for it, and the phone call I made to BOA associates they simply told me they don't have access to my account because I can not provide them a US phone number.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$15000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an account from chime-stride bank that isn't in my name and it's fraud I want it off. Everyone says it's mine but it's not. On chime website I can login and see another address and phone number for this account that isn't mine. Chime chose to ignore me and not help me I wont be paying debt on money that isn't mine. XXXX on debt is not my debt it's fraud from someone else using my name.on a credit card.
Product: Student loan

My loan was forgiven for XXXX XXXX  XXXX XXXX through XXXX on XX/XX/2019. When I called Navient for status around XX/XX/2019 they stated that it would take 60 days to review and post forgiveness to my account. A customer service representative stated that people mess up and the payments resume. This is why it still shows that I owe. They also stated that they would expedite this for review and check back within 60 days. I spoke with someone at Navient on XX/XX/2019 and had to be transferred to three different supervisors. The first supervisor said they just sent all the information over to Navients internal claims team on XX/XX/2019 and it would take another 60 days. When I asked about the {$3000.00} more interest tacked on the first supervisor could not answer. She also stated that they were waiting for a response from the guarantor because the interest was different and didn't match. I asked to speak with someone who could take care of this and was transferred. This person stated that they originally got everything that they needed for and my application was approved. When Navient sent everything over the individual working on the claim did not include everything needed for the internal team to review. She advised the information sent on XX/XX/2019 contained all the information. She also stated that she would look into why it wasn't completed right the first time and send a letter to follow up. This was Navients fault that their internal staff did not do their job. Navients staff gave conflicting information and failed to update my current address information to receive any correspondence.
Product: Checking or savings account

I have on numerous occasions experienced a great deal of difficulty accessing funds deposited with this institution. The problem is not so much accessibility ( although they do make it difficult ) as it is privacy. For any transaction, except for deposits, they require ID, this is understandable however asking me why I am withdrawing my own funds or what I plan to do with my income tax refund is none of their business and was not done in the framework or tone of providing any additional service. It was a barrier. They have asked for 2 forms of ID at one point and also informed me that my drivers license was expired on another occasion. This has happened numerous times at this branch and happens to others as well. PNC Bank XXXX XXXX, XXXX, Pennsylvania.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX XXXX, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX XXXX. If they fail to do so, these items must be removed from my report. As more than XXXX XXXX have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused XXXX XXXX Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Payday loan, title loan, or personal loan

Cashnet USA has been overcharging me for the past year since I registered with them to receive an initial payday loan of {$1000.00}. I attempted to settle payments supposedly owed on my account because I was charged at over 150 % the initial interest rate I was initially informed I would be charged. I took out a loan of only {$1000.00} for which I do not believe I initially qualified. I received multiple excessive phone calls and messages claiming that I owed different amounts. I was forced into a final settlement of {$1300.00} and in addition, I was emailed two separate charges of {$210.00} on XX/XX/XXXX and {$350.00} on XX/XX/XXXX. This was in addition to being charged {$350.00} repeatedly since XXXX XXXX.
Product: Debt collection

I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question XXXX XXXX XXXX claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX {$19000.00} ; XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I would like to advise you of a debt collection scam being run by the " XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. '' I will hereafter refer to them as MJRF I received a " Summons and Complaint '' in the mail and it looked like I was being sued. I am attaching a copy. 

I also received communications from the debt collector asking me to call up a " non-attorney debt collector. '' Naturally, I tried to file an answer to my complaint with the XXXX XXXX XXXX, where I was being sued. Imagine my surprise to find out, despite all indications to the contrary, that I was not actually being sued. 

Let me explain. Lawyers must file multiple forms to initiate a suit. One of these is an " XXXX '' or " Request for Judicial Intervention '' which then causes the case to go to court. 

XXXX filed the forms necessary to create an index number, which makes it look on the county website as if I am being sued, however, the suit has no judge assigned because they didn't file all the necessary paperwork. They just filed enough paperwork to invoke fear. 

So they have given the impression that they are suing me, but they are not. The kicker is if I want to file a counterclaim or have their suit dismissed, I would have to pay to do so. The amount is quite a lot of money, and quite time-consuming. 

My guess is this is done on purpose. They give the alleged debtor the fear of being sued, but are not open to any downside. Because in a suit, I can claim FDCPA violations and damages on my side. 

I would wonder if I had not filed an answer they would possibly have filed an RJI to force a default judgment. 

This is shameful behavior, and what's worse is they keep trying to get me to talk to non-attorneys. The numbers listed on their correspondence do not work or funnel me to voicemail, and I had to go through some hoops to get a person. 

I'd ask the CFPB to come down hard on them. This is not acceptable behavior. I have disputed the debt, and have the right not to be lied to, or referred to a " non-attorney debt collector '' representing the fact that they are part of some kind of legal proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim in a cyber hack or identity theft. this non-account holding inquires with : Barclays Bank Delaware shown on my report as ( BRCLYSBANKDE ) and with the date of XXXX.Barclays Bank Delaware is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. They are NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code Section 1681 S-2 Responsibilities of furnishers of information to consumer reporting agencies. 

Section ( F ) reporting information during COVID-19 pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease. 

Covered period The term Covered Period means the period beginning on XX/XX/2020 and ending on the later of___ 120 days after XX/XX/2020 ; or later or 120 days after the date on which the National Emergency concerning the novel coronavirus disease ( Covid-19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) Terminates.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XXXXXX/XX/XXXX
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reported as such.
Product: Debt collection

I paid off a court ordered judgement that included fees and interest for {$3500.00} ( original amount was {$3100.00} ). They are claiming I now owe 5.25 % in accruing post judgement interest of {$850.00}. I have no had no notification that an amount  beyond the judgement has been allowed by the court.
Product: Mortgage

I filed an insurance claim and an XXXX came to my home and the insurance company gave me {$7900.00} to fix problem. Because of health issues with mold and mildew I hired a XXXX. I sent the insurance check on XX/XX/XXXX XXXX overnight ). Novad was so slow in sending first payment it was a health hazard.Because Im XXXX XXXX XXXX and took the reverse mortgage for additional income. I borrowed {$38000.00}. From my son and put {$3000.00}. on my XXXX charge I paid out of pocket for the plumber. They told me I needed an inspection at 50 %. I did that and they havent gotten the report from inspection They said after they received the report it will take another 30 days for second check.In a few days it will be 100 % done and ready for final inspection XXXX only knows when Ill get that check. Im now paying interest on My XXXX account If Hud is so worried about my home being fixed why dont they give me remaining money.Seniors who do Reverse Mortgage do it because they need money. If not for my son and my XXXX account Id still be living with the mold and mildew. My insurance company couldnt believe that a check this amount they didnt pay the whole amount When i talk to representative of XXXX the tell me theyre just following procedures