23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I scheduled a mortgage payment through Fay Servicing website on XX/XX/XXXX. I was unaware payment had been returned by my bank. When I contacted Fay servicing to make the payment, I was told Fay servicing investors needed to approve of me making a payment and that I was going to be contacted back within 3 days. I didn't receive a call back until I called Fay servicing directly on XX/XX/XXXX to make XXXX and XXXX payment including a {$100.00} later fee for XXXX. Fay serving representative, informed me I was being charged {$1300.00} as differed interest, plus {$600.00} late fee and had to pay XXXX and XXXX all at once. I informed representative I didn't have all that money available, but I could pay XXXX and XXXX plus {$100.00} late fee for XXXX. Representative again declined to process my payment and stated he needed to get approval from Fay Servicing investors prior to taking a payment. I tried to pay online, but I the option to make a payment has been removed from the website. In addition, I have been locked out of the online system, and I am unable to access loan documents or statements. I have been charged differed interest every day that I wait for a call back. The amount I have to payback increasing with each passing day. I need assistance in getting Fay servicing to accept a payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 my student loan servicer was switched from XXXX to XXXX. When I viewed by credit report from Experian in XX/XX/2023 I noticed that they were still reporting my student loans from XXXX as active AND reporting my student loans with XXXX. This makes it seem like I have double the amount of student loan debt. I submitted a dispute with Experian in XXXX. I submitted a copy of the transfer letter that stated that the loans were transferred from XXXX to XXXX. This dispute results were " updated '' which means nothing happened. I then contacted XXXX who verified that I have {$0.00} balance and that they have not reported to Experian since XX/XX/2023. They sent me a document that showed that I did not have a balance with them. I used this new document to submit another dispute. Once again, nothing happened other than an " update ''. When I talk to agent on the phone they state that it is clear that it is duplicates but yet no one is doing anything about it. I have now submitted a third dispute and reached out to a lawyer to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. 

{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} Starbucks in XXXX   XX/XX/XXXX XXXX {$60.00} XXXX XXXX XXXX   XX/XX/XXXX XXXX {$180.00} Paypal XXXX XXXX XX/XX/XXXX XXXX {$58.00} YPS* XXXX XXXX   XX/XX/XXXX XXXX {$610.00} Financial Stepping Stone XX/XX/XXXX I live north of XXXXXXXX XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until XXXX days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. 

However, what I was not aware of was that my credit card had been used to also open a Paypal account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from XXXX XXXX, a collections agency for Paypal. I was confused, so I called Paypal and that's when I found out that there was a second account that had been opened. I have my own Paypal account that I use regularly and keep up-to-date for payments. 

I told Paypal that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized Paypal account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that Paypal 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. 

I have spent over 9 hours on the phone with Paypal, XXXX, and my credit card trying to resolve this. Paypal has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. 

I have also filed a complaint with Internet Crime Complaint Center about these charges and the Paypal account.
Product: Checking or savings account

close my account with no explanation Frozen one of my accounts with no explanation I've had checks bounced I've had my car almost repoed my kids have set and with no electricity for hours in a hot house cuz I can't pay my bills they have told me story after story my account was closed because of this then my account was closed because of that and that my account was never closed for any reason at all.now the baby should be a check a month later after he crying and screaming and begging the ticket stolen now they won't pay me my money they're saying it was cashed when it wasn't or if it was it won't tell me who did it it's craziness
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Name that should be deleted is XXXX, XXXX, XXXX. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I am also showing an incorrect EMPLOYER of XXXX XXXX and there is XXXX  XXXX  that needs to be deleted. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

At this time I would like to file a complaint about the improper handling of the discharge of my mortgage by Arvest Mortgage Company. 
Dispute with Arvest Central Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX XXXX Specifically I am seeking help with their failure to properly follow through and remedy the error they made regarding the discharge report to credit unions and their continued failure to remedy the problem within an appropriate time frame. 

On XX/XX/XXXX I was notified by email and telephone by my current loan officer XXXX XXXX ( XXXX ) XXXX, that his mortgage company was unable at this point to approve my financing for a new home due to Arvest Mortgage Company never publishing the discharge date of XX/XX/XXXX of property I co-owned at XXXX XXXX XXXX, XXXX, NH to the any of the three credit agencies. Currently the account status says more than 120 days past due and/or foreclosure. By law, the account status needs to be discharged with the date of XX/XX/XXXX. I believe Arvest Mortgage is in violation of federal and state law in this matter. 

I immediately called Arvest Mortgage ( XX/XX/XXXX ) and spoke with a customer service representative XXXX XXXX. She said the dispute needs to be sent to the credit dispute department and there is no phone number or extension she can give me to contact them. They only accept email disputes and mailed disputes. She also sent them an email to help start the process on XX/XX/XXXX. 

I received a confirmation email that the email had been received. 

I also followed up with a personal email from me on Wednesday, XX/XX/XXXX in the hopes that would help with the process. ( While they did send me the identical email from the one above confirming that it had been received it was not printed out by me in time and it expired. ) On XX/XX/XXXX I sent a follow up email and they sent me another email saying they received my request on XX/XX/XXXX. 

On XX/XX/XXXX I sent another follow up email reminding them as per their emails that I was supposed to get a mailed response within 30 days which I did not get. On Monday XX/XX/XXXX they sent me another email letting me know they received my email, similar in wording, that I should hear from them by mail, etc. 

I have yet to receive any mail from Arvest Mortgage.
Product: Credit card or prepaid card

Hello, I have a capital one credit card ( Journey-Visa ) which has been closed, due to interest charges being taking out whether the card has been used or not or closed. Hundreds of dollars have been taking by capital on which does not allow the consumer to pay the card off. I have been with capital one for several, several years. I pay {$50.00} to {$60.00} dollars a month on the balance of my card and capital one take at least {$15.00} to {$20.00} a month in interest charges. I have spoken with capital on several occassions regarding why are they taking charges of interest and fee on a closed account. The representative say interest charges are paid on remaining balances and cash advances. I had one cash advance of {$12.00} back in the year of 2012 and they are still charging interest on this amount and the balance of the card. Never, ever have I had another cash advance. This has been going on for years. Such situation traps the consumers from paying their cards off. This is unfair credit card fraud and a scam. Credit card companies are ripping and gauging consumers with such fraud and unfair practices. I have attached just a copy of an example of what Capital One is doing. I make a {$50.00} payment a month, capital one take {$15.00} to {$20.00} in interest and fees. Yes I want everyone to know about this issue with capital one and other fraudulent credit card companies. I will be filing a law suit.

Thank You
Product: Debt collection

MY NAME IS XXXX XXXX. I WAS SENT TO COLLECTIONS FROM XXXX XXXX XXXX IN XXXX OKLAHOMA. I WAS INSURED UNDER THE STATE OF OKLAHOMA WITH MEDICAID. DATE OF SERVICE IS XX/XX/2017. XXXX OF OKLAHOMA WAS NEVER BILLED, WHEN I TALKED TO XXXX XXXX XXXX I TALKED TO XXXX WHO CONFIRMED THEY BILLED THE WRONG INS WHICH IS XXXX XXXX BUT REFUSED TO REMOVE FROM COLLECTIONS WHICH IS AFFECTING MY CREDIT. I ALSO TALKED TO THE COLLECTION AGENCY WHICH IS XXXX XXXX TO DISPUTE AND SENT THEM MY LETTER OF ELIGIBILITY AND THEY TOO REFUSE TO REMOVE. I AM ON MY WAY TO THE MILITARY AND NEED TO HAVE THIS ITEM REMOVED FROM COLLECTIONS AND OFF MY CREDIT REPORT AS SOON AS POSSIBLE AS THIS BILL IS OUT OF TIMELY FILING AND ALSO I WAS NEVER EVEN NOTIFIED OF THE BILL OR RECIEVED INITIAL NOTICE FROM MTHE COLLECTION AGENCY. I FOUND THE INFO THROUGH MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I deposited XXXX into a Marcus by Goldman Sachs Savings account and XXXX into a Marcus CD account. Since depositing the money into the savings account I have not had access to my funds. I have continued to receive this message : the website is having technical issues or we can not process your request please try again. I called on XX/XX/22 regarding the issue and was told my account was in good standing and that IT will contact me. On XX/XX/22, I was contacted by IT and was told they had to contact my bank that was linked to verify that was my bank and these are my funds. Which I didnt understand because they didnt need a verification to accept my money. After, calling my bank via 3 way and verifying with my local bank that these are my funds and the bank that I bank with I was told I should be able to access my Marcus savings account. However, that still was not the case so I requested my account be closed and my money be transferred back to my linked bank account. I was told that the account would be closed on Thursday XX/XX/22. I called Sunday, XX/XX/22 to verify if the account had been closed and I was informed that it was not closed and would be closed today XX/XX/22. I called today to make sure the Marcus savings account was closed and sure enough it was not closed. I was told it was never closed on Thursday by the rep and she stated that it was a request to closed the account yesterday XX/XX/22. However, it was still open. I have not been able to access my money since I have placed it in the XXXX XXXX account on XX/XX/22. I am so frustrated about this entire situation that I requested that they closed the CD account today XX/XX/22. Can you please help me retrieve my money?
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Reporting of Charge-Off by XXXX Credit Card XXXX Dear CFPB XXXX I am writing to file a complaint against XXXX Credit Card Company for inaccurately reporting a charge-off on my credit report. The debt in question was sold to XXXX XXXX XXXX XXXX, to whom I paid the full amount on XX/XX/year>. Despite settling the debt with XXXX XXXX, XXXX continues to report the account, negatively impacting my credit score and causing significant distress in my life. 

Over the past several months, I have made multiple attempts to resolve this issue by calling XXXX customer service, sending letters, and even personally emailing their CEO. However, XXXX has failed to correct the inaccurate information. As a result, this unresolved charge-off is severely affecting my ability to secure an apartment, causing undue emotional and mental stress. I need to move out of my current apartment soon but have not been able to secure new housing due to this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, CB/Victoria 's Secret is currently reporting erroneous information on my XXXX credit report. The debt was purchased by another lender and subsequently paid, however XXXX is still reporting a {$330.00} balance. 

I have contacted both CB/Victoria 's Secret and XXXX directly XXXX and to date they have not corrected the error. This erroneous debt reporting is causing me to be denied for credit and needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

3. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?
Product: Credit reporting or other personal consumer reports

I recently received a response from CFPB complaint : XXXX stating " EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, PORTFOLIO STATUS, ADDITIONAL INFORMATION NON REPORTING DISPUTES Trade XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

I have been disputing this inaccurate account and it keeps coming back verified and the account is in fact inaccurate. 

I have attached all letters that have been sent to the bureau in regards to the reporting of this account. 

Certified Leter Receipts : 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 I checked my consumer report, an the account is still reporting on my consumer report INNACURATE and INCOMPLETE after being told it was not reporting, the account has not been deleted, and the scheduled payment section has no reported information which is incomplete and has not been modified. 

This agency is in violation of 15 USC 15 USC 1681i, in your response to my dispute you claimed that the account XXXX XXXX XXXX XXXX XXXX XXXX You have validated inaccurate information and this account is hereby disputed. The information on this account being furnished on my consumer report is in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.