23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled my credit today to find out what there as negotiable items in my reports and found out that the debt being reported that I did not incur. The first it looks like is for a cell phone or something at sprint for almost {$2000.00} and is now charged off to a collections. There is also a California address associated with the account that is reporting as a bisnuess but most definitely not mine and I have never even been to this area. Also when this account t was opened I was in intensive care on total life support in XXXX Pa. So needless to say that it would have been literally impossible for me to have opens this account. The second fraudulent piece of debt is also fro. 2019 and seems to be for a medical service. Although I was sick at this period in my life, I had medical insurance and was admitted to the hotspot for a very long ti r and they had submitted all of my info to my insurance and they had covered all of it. So this bill for {$100.00} is either a mistake or someone getting radiology service under my name, but I did not see any radiology in the fall of 2019. XXXX is all of the information that is I sorted t including t the address of the business associated with the sprint debt and a peculiar XXXX address that I have never been as XXXX users with. 
I also have my spouses credit card negitivly impacting my credit report and I am not responsible for that debt and have never agreed to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

We got behind on our mortgage payments when my husband was diagnosed with a terminal illness. I had to buy his medication that was extremely expensive. And we had medical bills. I was given a repayment plan that lasped when we had 2 hurricanes last year. I had to pay to fix damages. I was recently given a repayment plan for XXXX down payment and XXXX XXXX. I have contacted my mortgage service and told them I have XXXX dollars to put down and can pay XXXX a month after that but they are saying my investor wont allow a 6 month repayment plan because I am in active foreclosure ( but the foreclosure has been on hold for a year ). They said if I dont except the XXXX repayment plan, I go into foreclosure, even though I have money to pay down and can make my payments plus pay back arrears. They are saying No and again because of my investor. I felt pressured to accept the XXXX. Repayment Plan because they kept saying there is no help. And they are going to foreclose and take my home. My husband is a XXXX XXXX XXXX retired from XXXX XXXX. He is on home hospice care, on oxygen, and this investor who is XXXX XXXX XXXX XXXX XXXX XXXX and Shellpoint mortgage service is refusing absolutely refusing to help an XXXX veteran who served 25 years, they want us to move out of our house because we got behind due to a terminal illness. I have the money but not XXXX XXXX, I have XXXX and money to pay every month. But again they want to kick an old man and his family out of thier house instead of giving us a XXXX month repayment plan. Please help us to keep our house, I have the money just need longer repayment plan. Thank you
Product: Mortgage

On XX/XX/2021, I sold my home. On XX/XX/2021, XXXX XXXX XXXX XXXX sent certified funds in the amount of {$130000.00} to Carrington to payoff the loan in full. Carrington received those funds on XX/XX/2021 via XXXX over night mail. On XX/XX/XXXX, Carrington sent the funds back to my title company with no explanation as to why the funds were being returned. The XXXX label stated that it is being returned to shipper as receiver did not order, refused ( Original receiver : Carrington Mortgage Services ). I have spoken to Carrington multiple times and they do not show that they ever received the funds to payoff my loan nor that they were ever returned. The representative also advised me that they will not accept the original funds and that the additional months interest is now due for the month of XXXX. They refuse to work with me to payoff my loan as it was the fault of Carrington that my funds were returned. 
The return funds did not reach my title company until XX/XX/2021, an entire week after the funds were sent to them to payoff my loan, therefore has now caused me to have a 30 day late on my credit report as the loan needed to be paid off in the month of XXXX. In addition, I now have to pay an additional months interest for XXXX, as this is an FHA loan. I do not feel that any of this is any fault of mine and that I should not be responsible for paying the additional months interest nor should I reported to the credit bureaus with a 30 day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Locked out of my account on Coinbase XX/XX/17. Filed ticket with support the same day. Ticket was not responded to until I sent direct message to coinbase support via XXXX on XX/XX/XXXX. No movement since. 3 weeks without access to a substantial sum of money that I would like to withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not deleted the bankrupcy on my credit report. The bankruptcy is not on any consumer report nor has it been reported by the courts. I have uploaded documents showing this previously. Experian is in violation if my consumer rights. This information has not been verified. If the bankrupcy is not removed I will seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXXXXXX XXXX XXXXXXXX XXXX I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Consumer Loan

I am a XXXX year old female and on XXXX/XXXX/2015, due to an emergency, I made the biggest mistake of my life. I took out a title loan on my car at 'check into cash '' for XXXX in XXXX , TN. I have paid every month since then on time. This past week, the last time I paid I was told that balance was XXXX, so after receiving my income tax refund, I called to ask what my balance was and was told it was XXXX rather than the XXXX. This was all the money I had. I have paid to this date XXXX and do not understand why I still owe XXXX. If I pay based on their payment plan, I will have paid around XXXX for a XXXX loan. I do not understand why this is legal. It seems so outrageous, but at the time I did not realize how much I would be taken advantage of. I wonder how such our legislators would allow such a business to operate. I am so depressed and despondent over this costly mistake, but do n't know what to do at this point. My car is an older car but I do not want to lose it. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to SSA and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX Last XXXX XXXX RE : XXXX XXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my bit repor You are reporting a late payment on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> on the account ( XXXX ) .and accordance with the fair credit act 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. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the Reports
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. 

Account Name XXXX XXXX XXXXAccount : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX - XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 XX/XX/XXXX 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent certified letter to Equifax, XXXX, and XXXX to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX /opened XX/XX/XXXX ; XXXX XXXX XX/XX/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. I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Product: Credit reporting or other personal consumer reports

On multiple occasions, starting on XX/XX/year>, I have written letters to XXXX XXXX XXXX XXXX  to ask for verification of an alleged debt. They have not responded. XXXX XXXX XXXX XXXX has illegally posted an account to my credit bureau reports. 



XXXX XXXX XXXX XXXX  Acct Number : XXXX Alleged Amount of debt : {$1200.00}
Product: Vehicle loan or lease

On XX/XX/XXXX while at XXXX of XXXX XXXX I applied for a Capital One Auto Loan. I was informed by the finance manager at XXXX XXXX XXXX XXXX that my auto loan was denied because of Capital One reporting of a returned check. 
On or around XX/XX/XXXX I opened a Capital One 360 Savings Account. I used my XXXX Savings account to deposit the funds into my 360 Account ONLY. Without my authorization and without my consent Capital One attached my XXXX Savings as a form of payment to all 5 of my Capital One Credit Cards. 
On 2 separate occasions I made 2 separate payments using my XXXX Checking Account both payments were withdrawn from my XXXX SAVINGS Account. I reached out to XXXX after the first incident and was not provided a definitive answer. I requested that my XXXX Savings account by removed as a form of payment. The rep stated that she did not the capability to do so. She also suggested that this was possible user error or a system error. I requested for this matter be looked into as to who authorized that change Shortly after I made another payment ensuring that I selected the correct account and it happened a second time. I had to call on several occasions spent hours being bounced from department to department. I finally spoke with a representative in the digital/data back office she allegedly removed my XXXX Savings Account, I was then transferred to a supervisor who credited my account {$30.00} to compensate for my banking NSF Fee . I also asked if those 2 incident would impact my credit report, ratings or terms of use, I recall the representative stating no.

Within days of this call Capital One added my XXXX XXXX Account again as a form of payment on all 5 of my credit cards. I called Capital One was told it could not be removed as it was a form of my profile. The aggravation and frustration was not worth it, I closed my Capital One 360 Account.

Capital One never looked into either incident as I initially requested nor followed up with me. Instead they issued me a {$30.00} courtesy credit on XX/XX/XXXX for the second NSF Fee in exchange for reporting a returned check and denied auto loan application.
Product: Student loan

Navient took over my loan from my previous loan servicer, where I had a 1 % interest rate reduction for maintaining autopay. When I was switched over, I needed to sign up for autopay over again to retain that discount. I did so, however i also needed to switch bank accounts. Unfortunately, the web site was giving me several problems and I spent hours fighting with it. I finally was under the impression that the autopay went through with my new bank account, but it did not in fact go through as expected. As time passed, I was charged for a late payment, and quickly reinstated autopay. When I called to address this issue, I also noticed that my rate had increased by 1 %. To add insult to injury, they blamed me for not making the payment on time, and refused to return to my original interest rate. They even refused to refund the late fees. I called again and asked to speak to the manager. They put me on hold multiple times, for several at a time, giving me the impression that they were working to resolve my issue. They ultimately informed me that they would send it to someone who would potentially fix the rate issue as a courtesy. Nobody ever got back to me, the late fees were never returned, and my rate is still 1 % higher than it should be. There seems to be nothing I can do. I have had these student loans for over 10 years with a previous servicer and never had a late payment in my life. One missed payment that occurred because of their broken web site, and I am now paying them a higher interest rate.
Product: Mortgage

Shellpoint Mortgage Servicing took over my loan and 3 months in they are AWFUL. They keep hounding us about our proof of insurance on our condo in not acceptable to them. This is the insurance that the home owners association buys for the entire complex and has been fine for everyone else 's mortgage companies. At first they complained they didn't have a copy of our proof of insurance. Understandable since they took over the mortgage from another company. Not sure why they didn't get that from the company they took the mortgage from and make it MY problem - their new customer, but whatever. Sent them the paperwork that has worked for every other mortgage company. Second warnig said they still did not have " acceptable '' proof of insurance. After calling them, they wanted more detail information of insurance on my specific building which we provided. Final warning they said they found the hazard deductible unacceptable to their standards. ( turns out they were looking at the policy covering the wrong building - a garage and not my actual building ). Finally they sent me a notice they were putting a charge to my escrow account to pay for insurance. These people are crooks and should be shutdown. A simple websearch will tell you how bad this company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX 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 XX/XX/year> I received a text notice from Bank of America that my credit card was used multiple times on XX/XX/XXXX and I immediately reported it as fraud as I did not make nor approve these charges. I was at home on maternity leave with a newborn baby and only used my credit card for online purchased as it was an online rewards card. This charges in question occurred at XXXX different XXXX  in different counties as well as an XXXX XXXX and a XXXX  totaling {$540.00} for XXXX different charges. I immediately canceled my card after reporting the fraud. Initially, Bank of America reversed these charges. Then, I saw that the charges were put back on my card and was notified that my claim was denied via a letter in the mail. I asked them to reopen the claim on XX/XX/XXXX, and waited a couple of months without hearing anything. I tried contacting them multiple times and was passed around to different departments repeatedly, only to finally receive a number that I could contact but closed at XXXX XXXX XXXX. I was then notified that a letter had been added to my online banking account and not mailed to me ( as the first letter was including an online copy ) and that my claim was denied again. I called once again and had them reopen the case and investigate, only to be denied again in XXXX. I called again in XXXX to have them reopen the case once more, and submitted evidence with XXXX XXXX that showed I was on maternity leave and photo evidence with date/time stamps of me at home with my newborn baby, as well as XXXX  delivery orders while being at home ( showing I could not have travelled around on those days making the purchases in question ). I also requested documentation, receipts and/or video evidence that led to my claim being denied and Bank of America said they had no documentation and that my claim was denied because a chip was read. Once again, my claim was denied. They did not say whether multiple cards had been issued, and they did not have any evidence that proved it was me or someone I know that made such charges. I have been with Bank of America for XXXX years and have never had such issues and am appalled at the lack of ability to get in touch with anyone who can provide such evidence to me. This has caused undue distress and emotional burden on me for months with no resolution in sight. I did not make these XXXX charges nor did I approve these XXXX charges to be made. Bank of America has been extremely unhelpful and difficult in resolving this issue. I am extremely close to leaving Bank of America and establishing my accounts elsewhere with better customer service and fraud resolution.
Product: Credit reporting or other personal consumer reports

Someone stole my personal information and opened credit cards without my knowledge. The way I found out I had a XXXX XXXX credit card was through XXXX XXXX. I called XXXX and after reporting the incident the lady over the phone told me someone made a purchase with a physical card I did not know it existed.YesterdayI called XXXX because my credit scores went down and they told me the fraud case was declined because they used a physical card. I asked them how can they honor a large purchase which I have never made without id.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 credit bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly wi h the creditor, as willful negligence and non-compliance with federal statues. Please remove these accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX