23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband passed XX/XX/XXXX from XXXX  XXXX, I notified our mortgage company of his death. I had requested a modification on the mortgage. Spoke to XXXX, Select Port Folio ext XXXX XX/XX/XXXX she stated that they were working on the modification assumption and a property foreclosure sale date should have not been set for my property. XXXX filed a dispute because of the foreclosure date of XXXX XXXX XXXX should not have been set while my modification request was in review. She then transferred me to XXXX a Manager. ext XXXX he stated they're still waiting for transactions from her SSI XXXX card that can be pulled from their website located on the back of the card. Also they received new documents today XX/XX/XXXX will review them as soon as they receive them. They have my Social Security Award letters, I'm elderly I receive my benefits on a card. I don't know any thing about computers and I don't own a computer. I'm Elderly, someone I didn't know knocked at my door asked to look at my house because it was IN foreclosure. I have not received a letter form the mortgage company or the foreclosure attorney saying my house is in foreclosure. I read there is l a hold on property foreclosures until XX/XX/XXXX because of Covid-19 Why does my have a foreclosure sale Date???????????????
Product: Debt collection

Brett Borlands office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. XXXX XXXX XXXX is also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX XXXX.
Product: Checking or savings account

Bank of America put a hold on my account on XX/XX/XXXX. I called to find out why. They kept transferring me to different departments for many hours before the informed me that someone reported fraud on my account. I asked them for more information they would not give me. The next day the hold was removed and I thought it was maybe an error. However, on XX/XX/XXXX, the bank closed my accounts and when I called they said it was due to I received money ( XXXX ) fraudulently. They said someone hacked into another person 's online account to transfer the money to my account. 
However, I have evidence that the money was legitimately sent to my account by the account holder ( so it was not fraud ). I have evidence where the account holder threatened to reverse the transaction. This, I believe was in order to scam me. I told the bank this but they would not listen. They would not see that I am being scammed. The bank did not carry out a thorough investigation as to if fraud actually took place in the transfer of funds to my account or if the account holder is just telling a lie to frame me. This happens even though I am an XXXX of the bank! I feel this is discriminatory and BOA should review their records and reopen my account and remove the debit of XXXX because the account owner definitely authorized the transaction.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is releasing my report to entities without my consent even after I have submitted a credit lock/freeze on my account. They have done this now at least two times. The companies they are releasing to are not government entities so they shouldn't be releasing the information unless I provide consent to do so.
Product: Debt collection

So I had XXXX internet for about one year and 4 months when I decided to cancel my two year term. They said it there will be a fee for cancelling since I'm in a 2 year term. So they gave me the option to suspend my acct meaning it will be temporally be disconnected for the remaining 8 month for a fee of {$7.00} each month with a automatic closure after 8 months that way I don't get charged a fee for closing my account before the term was up. After my 8 months was. Account fully closed. Out if nowhere I get a huge bill. Very unhappy with this bill. I have been working really hard in repairing my credit but it's so hard with this unaffordable bill. If I had money I would of just paid it just get it over with. So I heard maybe this website will be able to help me with this. Thank you for the time.
Product: Credit card

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX To Whom It May Concern ; I disputed the referenced accounts above on ( XX/XX/XXXX ). The credit report of ( Trans Union ) shows these items were deleted from my credit file. Now this items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant-to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency, Additional information. As part of, or in addition to, the notice under clause ( i ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of-such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracyor completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report Thank you, Your Full Name XXXX XXXX
Product: Credit reporting or other personal consumer reports

Applied bank has an open account on me. XXXX XXXX. I asked for the letter the XXXX XXXX  XXXX has to sing the letter to incure new debt. No letter has been provided to me. The refused to remove the over limit and remove this from all. Three credit reporting agencies. This depth shows as opend XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report.

I lived at XXXX XXXX  back in XX/XX/XXXX. When I got ready to move I spoke with XXXX  the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent.

This was verbal agreement that XXXX the apartment manager gave me.

After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX  who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place.

I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment.

Before I agreed to pay the collection, I phoned Merchants Credit Bureau, I believe I spoke with XXXX XXXX I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years.

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me.

Please review this matter, I look forward to hearing from someone hopefully with good news.
Product: Credit reporting, credit repair services, 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 USC 1681. 

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 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 1681 s-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. 


XXXX XXXX- ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I sent a request that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance Owed : {$7600.00}
Product: Debt collection

I applied for XXXX XXXX. Over the phone. I was mailed out a chip to insert in my phone never worked. I was informed to take it to XXXX XXXX in XXXX Ga. the guy stated he could not help me was he keep the chip. So I got a phone thru XXXX. They keep sending me threatening letters and keep putting in my credit report. Prove to them never use the chip. I have sprint on that same phone and number.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2018 I received noticed that I had a collection account from Ad Astra Recovery in the amount of {$1100.00} in regards to a XXXX XXXX. I have notified AD Astra that I am a victim of identity theft and the account that they hold under my name and social is indeed a result of identity theft. I did not authorize this account nor did I open this account. I have also never received written notification in regards to this account to dispute it.
Product: Credit card

We purchased a mattress from the sleep number store in XXXX. The store offered zero percent financing for 12 months. So we financed part of the purchase. We opened a new account with Synchrony Bank. We made our payments with the intent to pay off the amount before the end of the promotion. In XXXX we received a letter that our terms were changing and there would be a 2 % monthly promotional fee for all transactions effective in XXXX or XXXX An automated number we provided to reject the change. The number only offered an option to accept the change of close the account. This is a total bait and switch.
Product: Credit card or prepaid card

Hello, I had an account with COMENITYBANK/WAYFAIR opened in 2017 the account with XXXX past due worked worked out a payment plan was due to lost of income. Everything is paid they update my account from closed to charged off paid
Product: Credit reporting or other personal consumer reports

Due to the recent XXXX data breach my information has appeared on the dark wed, aswell as XXXX reporting to companies that my creditworthiness is inadequate. I have disputed incorrect information and they refuse to fix the issue. I have account opened in my name that I did not authorize due to the credit breach. This is directly impacting my day to day life. This issue needs to be rectified and addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # 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 consumer reporting agency can not furnish a account without written instructions.
Product: Debt collection

This account is fraud. I logged on to the customer portal and printed a copy of the recent statement. I have I reported on numerous occasions that this is unfair collection activity. The credit company has never provided me with a bill. The Company has not provided me with a bill. I am prepared to upload a copy of the statement directly from the portal that shows these amounts are not correct. I have never been notified of any other bill owed.
Product: Debt collection

I never did business with sunrise credit service and they need to be removed immediately off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
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 corrected : XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$8500.00}
Product: Debt collection

I received a letter from Wakefield and Associates, LLC on XX/XX/XXXX stating that I owed {$1100.00}. I contacted my insurance company ( XXXX ) who sent me the EOB ( Explanation of Benefits ) which showed that the original charge was {$1600.00} and the XXXX Member Discount was {$1100.00}. XXXX paid {$420.00} on XXXX which was the difference. I, as the member, did not owe anything else toward this bill. I informed Wakefield of this via phone, email, and letter via postal mail on XX/XX/XXXX and again on XX/XX/XXXX. I filed a dispute with XXXX to have the collection removed but they did not and continue to report this bill fraudulently which is negatively affecting my credit score. This is the email I recently sent to the company : My name is XXXX XXXX. My DOB : XX/XX/XXXX SS # : XXXX I am writing this email to demand that you have this account ( Wakefield XXXX ( # XXXX ) removed from my credit report immediately. I had contact with one of your representatives ( XXXX ) on XX/XX/XXXX and also sent an email with proof of payment from the insurance company on that date as well. I sent the verified information to the email address she gave me ( XXXX ) showing that my insurance company paid this bill on XXXX. I am including the EOB with this correspondence. The amount that you are trying to collect from me is the amount that is contractually discounted between the doctor and the insurance company and XXXX XXXX XXXX XXXX paid the remaining balance which shows that I do not owe anything on this bill. Your reporting of collections of the bill is not legal and is hurting my creditworthiness and reputation. I have written letters to XXXX and the other credit bureaus detailing this information. Again, I am including proof that I do not owe this bill and I request that you please have it removed immediately ( within 30 days ) and update the credit bureaus accordingly. 
Due to the fact that this is my 3rd communication about this matter, I am also notifying the Tennessee Collection Service Board of the Department of Commerce and Insurance and the Division of Consumer Affairs at the Attorney Generals Office at XXXX : XXXX. of your unwillingness to comply with the state law from which you are licensed. I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. 
Please inform me via email and postal mail when you have deleted this account, updated the credit bureaus, and have rectified this situation that is causing me great harm in this unstable economy. 
Thank you. 
XXXX XXXX XXXX XXXX I also included a copy of the EOB from XXXX showing that the bill was paid and I don't owe anything along with the bill that came from Wakefield with their numerous account numbers on it.
Product: Debt collection

I have had a " unpaid '' late collection agency claim put on my credit report for {$540.00}. This is for a bill from the  XXXX   XXXX  of  XXXX . I have NEVER been to this place. This has been done by a company named :  Creditors Discount &amp; Audit -   XXXX   XXXX   XXXX   XXXX  -  XXXX ,  XXXX   XXXX   XXXX  Account #  XXXX  This is NOT my bill. I want this removed immediately!     Thank you ;
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

We have been trying to get Wells Fargo to respond to our issues with no fair resolution... They added a forebarnce account to our credit report without our permission... we did not sign anything related to this account and Wells Fargo can not show us the documents .... This has caused us great pain financially... We think that this is a racial issue and is discrimation ... .We both are XXXX  and I am retired military .... We deserve better .... Please see attached documents ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment incorrect, Not employed with XXXX XXXX XXXX Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Experian I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently made a call to Comenity Bank, the bank that financed an engagement ring that I have recently purchased. I called a couple weeks ago to set up future payments. I have never given authorization to take any funds out of my account until the date of my scheduled payments. I have been paying online prior to setting up future payments. Last week before lunch, I went to check my account and noticed that {$400.00} had been taken out of my account. I'm well aware that all calls are monitored and recorded, and I am fully aware of the conversation. I never authorized for comenity bank to take money out of my account for this reason alone. When I called to resolve the issue, the conveyed to me that they would have to investigate the situation. I didn't understand why it would be so easy to take {$400.00} out of my account illegally, but not return my money, which also lead to multiple overdraft fees.
Product: Student loan

I see multiple120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

Repeated, unwanted, and unwarranted calls from XXXX which is some sort of debt collection agency. Calls occur even though there is no known collection or judgment against me or anyone at my number.