23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made 3 following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.
Product: Debt collection

I have received two letters from " Revco Solutions , Inc. XXXX XXXX XXXX XXXX OH XXXX '' for faulty or fake debt that the company claims I owe XXXX for electric services to an apartment I lived in XXXX years ago ; however, I check my XXXX account which, I closed out in XX/XX/2020 in full, and XXXX indicates I did not owe them anything and no longer have an account with them.
Product: Mortgage

I own an investment property at with my ex-husband where he hasn't paid the mortgage in a long time. The court has given me authority to act as sole negotiator for this property and I listed the property with a real estate company. The property is in foreclosure state but we have a buyer who has given us a contract to buy it for {$140000.00}. The total balance owed to Specialized Loan Servicing is {$160000.00} and to XXXX XXXX XXXX where we borrowed the downpayment is {$21000.00} where he hasn't paid either. XXXX XXXX has a second mortgage on the property. 

The title closing lawyer has requested a payoff from SLS that would be a short sale. I submitted to SLS an application to ask for a short sale. But they will not answer. The act of sale was supposed to be today, but the lawyer says we can't do it because we don't have agreement from SLS for final payment. 

This is causing me a hardship because I am trying to settle these debts and restore my credit. I was out on XXXX XXXX for 7 years and just went back to work where I am being garnished for debts my ex husband has not been paying. He is on XXXX and not responsible. 

I am attaching the application the title lawyer sent to SLS to approve short sale and the last payoff statement they sent my real estate agent in XXXX when I listed the property for sale. I am a responsible person and trying to do the right thing and sell this property, but it is not worth as much as is owed on it so this is the best I can do to sell it. It's just not right that they won't answer when I have a buyer ready and able to buy the property. And I might lose the buyer if we can't go to act of sale as soon as possible.
Product: Debt collection

Loan was paid in XX/XX/XXXX. In XXXX, 4 years after I moved from VA ( moved in XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by Check Into Cash representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan Check Into Cash had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that Check Into Cash is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from XXXX attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX Check into Cash contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the amount of {$260.00} now {$310.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), under further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold per validation of debt and HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX Account # XXXX : LOAN : XXXX XXXX XXXX  Amount XXXX XXXX XXXX  : XXXX XXXX XXXX  Amount $ XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX 
Please see attached statement. 
Ref : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Social Security XXXX XXXX COMENITY ACCOUNT [ XXXX ] Re : XXXX XXXX XXXX XXXX ] Re : XXXX XXXX XXXX : Alleged Account # XXXX
Product: Credit reporting or other personal consumer reports

I had a credit card account with XXXX XXXX credit card for XXXX XXXX Innacurate charges were made on the account on several occasions due to the fault of the credit agency and my card being stolen. I rarely use the card as the limit is small and it was only held open to keep credit utilization low. The credit card was stolen along with my wallet and I informed XXXX XXXX of this and all charges made in XXXX where fraudulent as I had made none. An investigation was started and I was reimbursed a portion of the balance but was told the other charges are verified to be mine because they occurred within XXXX miles of my residence. I live in the small city of XXXX and found that to be and unfair amd inaccurate measure because I did not make the charges. There were XXXX  charges of whom they would not tell me the name of the user. There were charges to bars and a pharmacy. Non of these were made by myself. The charges all occurred in 2 day span and the card was overdrawn amd then late and overdraft fees were added to the account. I really take issue on how one charge was reimbusred for being proven not mine but the other charges that occured in a very close time frame are veried wronlgfully as mine. The account was always kept at a balance of 0 % by myself so it was a shock go log into the account and see a balance of XXXX $ for an account I do not use. This was the second time I had to file a of charges with XXXX XXXX as this happened also in XXXX but judgement was awarded to my favor. They have shown a pattern of ease in allowing unauthorized transactions occur on there customers account. And this account has since been sent to collections in a charge off hindering my buying power amd having adverse effects to my credit. I make all my payments on time via all accounts but XXXX XXXX had given me real issue.
Product: Debt collection

My name was on a lease for XXXX  apts of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, my family was staying with me for awhile, and because of unforeseen circumstances, I became late on rent, I agreed to move out if the case would be dismissed and no debt owed. Their attorney agreed to this and I have screenshots of the conversation my daughter had with this attorneys assistant agreeing to this. It was XX/XX/XXXX. It appeared on my credit report XX/XX/XXXX as a debt owed of {$7000.00}. This has damaged my credit extensively and they do not even want any of the funds, they just want to damage my credit.
Product: Credit reporting or other personal consumer reports

I have never paid late, and I have asked several times for removal, and they are denying removal.
Product: Credit card or prepaid card

On XX/XX/XXXX, my fiance had a student stipend of {$5700.00} deposited into my card BlueBird American Express Account. Not knowing this would be a breach of contract. That same day the money was deposited, the card was suspended, and we were told the funds were returned to the originator. Funds were never sent back to the originator. On XX/XX/XXXX a complaint was filed with the Consumer Financial Protection Bureau. With the aid of the Consumer Financial Protection Bureau, Bluebird by American Express agreed to return the funds within 10 business days of receiving a Letter of Indemnity from the originator 's bank. On Thursday XX/XX/XXXX, at XXXX XXXX XXXX a representative for American Express 's Fraud Department, and his supervisor XXXX both reported that American Express 's Fraud Department had received the Letter of Indemnity from the originator 's bank on XX/XX/XXXX. In a follow-up call with American Express 's Fraud Department on XX/XX/XXXX, at XXXX XXXX., XXXX a supervisor for American Express 's Fraud Department reported that the payment investigation team had received the Letter of Indemnity on XX/XX/XXXX and the situation could take up to 10 business days for funds to be forwarded back to the originator and due to the holidays, the funds should be returned no later than XX/XX/XXXX. On XX/XX/XXXX I contacted the originator to see if the funds had been returned and it had not. Then again, I contacted the originator on XX/XX/XXXX and the funds still have not been returned. Currently, Bluebird by American Express, Customer Service, and Fraud department can no longer be accessed through the XXXX ( XXXX ) XXXX nor the XXXX ( XXXX ) XXXX, both numbers refer to the online site for help which I can not access because my account is frozen. I still presently, receive emails weekly from BlueBird stating my balance is {$5700.00}. The last email sent was Wed, XX/XX/XXXX at XXXX XXXX stating my balance is {$5700.00}. Again, I am requesting the funds be returned to the originator. I strongly feel Bluebird by American Express is attempting to steal these funds and none of their actions suggest otherwise.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX
Product: Credit card or prepaid card

On XX/XX/2022 XXXX incorrectly used my cash app debit card at the XXXX XXXX in the amount of {$490.00}. Five ( 5 ) minutes later after provided the correct credit card the XXXX XXXX reversed the charges back to my cash app. 
As of today both me and the XXXX XXXX have shown a ZERO balance due. However Cash App have not provided a refund/credit to my account. I have reached out to Cash App customer service 7 times with no avail. I need your assistance in obtaining the timing of my refund/credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Recently upon reviewing my credit report I reviewed several tradelines reported by Ed Financial that were reported to my public consumer file on XX/XX/XXXX. The tradelines total up to over {$56000.00} in student loan debt. I am not familiar with Ed Financial. Upon reviewing the online account information by Ed Financial there is a paid in full status and a {$0.00} balance. Further I never attended XXXX XXXX  - ever. This is the reason that any loans pertaining to that school in my name were discharged. On XX/XX/XXXX I received a notice regarding the approval of my borrower defense case regarding all loans associated with XXXX XXXX. I in fact should be due a refund of over {$3000.00}. Ed Financial has reported an account that is of 12 years in age and is reporting that I owe over {$56000.00} in student loans. The reporting of the tradelines also state that a dispute was resolved and customer disagrees and that a last payment was made on XXXX XXXX. This is not factual information and is not in line with the Fair Credit Reporting Act. All tradelines reported to my public consumer file should be removed immediately. Please see the supporting documents.
Product: Debt collection

I informed the creditor to contact my bankruptcy atty. and they have repeatedly contacted me afterwards and threatened they will still try contact me to collect on the debt.

The creditor is : Tower Loan, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, ( XXXX  ) XXXX and ( XXXX  ) XXXX
Product: Credit card or prepaid card

I had a account wiith fortiva and i did not give fortiva consent to share my information and they are reporting it on my credit report they have violated Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the persistence of discharged student loans on my credit report. Despite providing the necessary documentation, including the discharge letter, the credit bureaus have neglected to update my report accordingly.

The inaccurate reporting has adversely affected my creditworthiness, despite my compliance with all procedures. I request the CFPB 's intervention to ensure the immediate removal of these entries and to prevent similar occurrences in the future.
Product: Mortgage

My property is located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Select Portfolio Servicing Inc. is my mortgage servicer. Licensing ( NMLS ID : XXXX ) I have contacted them no less than 4 times by phone to alert them that XXXX XXXX and the city of XXXX has sent me on XX/XX/year> an intent to issue a XXXX ( XXXX XXXX ) which is a lien on my property due to unpaid property taxes. 

Currently my mortgage has an escrow balance of XXXX $ which should be illegal, as it is over the maximum amount that can be held in my escrow account. 

They refuse to pay my taxes from my escrow account with their company. 

I have contacted them, and they have had the letter ( attached ) since XX/XX/year> which is the intent to issue XXXX. 

Last time I contacted them in XXXX I let them know I was about to file a complaint with the CFPB. Nothing happened.
Product: Checking or savings account

This is XXXX XXXX a former client of Citizens Bank at : XXXX XXXX XXXX, XXXX, MA XXXX I have received two letters from collection about my balance statement for {$19.00} but I have already requested to close my account and they did it, after that I do not have any way to transfer money from one of my Citizen Bank accounts which has {$44.00} on it to another account or use my balance. 
I moved to California last year and no longer need that bank, all my efforts to make phone calls or communicate with your bank were unsuccessful. 
Please close my banking account and return my balance because this is a kind of harassment and fraud charging. 
I made many phone calls to the customer services and they hung up. 
I made a phone call to this branch and the banker hung up. 
I sent an email to your customer service and no response ( Saved ). 
Thank you, XXXX
Product: Credit reporting

XXXX has me owing them $ XXXX.when i moved out in XX/XX/2000 i received my mailed security deposit back and left a clean apt., and gave 30 day notice. when i contacted XXXX about this debt, they could find no information in computer or back files.I never heard anything about this debt until it showed up on my credit report. what do i do now?
Product: Money transfer, virtual currency, or money service

Money is {$91.00} sent to me on XXXX XXXX. Action taken was I sent in my ID for verification and they rejected it for what reason I do not know and place my account under a restriction.
Product: Student loan

A few months ago I was being harassed by XXXX XXXX at Ed financial. They have picked up harassing me again.

After last time was pulling teeth with the company to do anything I'd like to see more action taken by them this time
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted XXXX, XXXX, and TransUnion about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXXXXXX XXXX
Product: Debt collection

Was informed of a judgement on my credit report for a debt that was return of on a car which was found defective within 3 weeks of purchase from a auto dealer named XXXX XXXX -the engine froze on a XXXX XXXX XXXX in XXXX. In XXXX on XX/XX/XXXX Butte County Collections Bureau a collections agency bought the paper from XXXX XXXX which went out of business. They have never contacted me, XX/XX/XXXX I was informed by FINRA -Financial Industry Regulatory Authority , that they have continued to file judgments against me in XXXX and XXXX without notice or contact about court dates. I have spoken to them only to receive documentation of the judgement. This communication took place on XX/XX/XXXX. When I inquired in to the statutes of limitations in the State of California I was informed that it is 4 years. The case number is # XXXX XXXX filed in Butte County Superior Courthouse. This collection company continues to file every 10 years, and never contacts or informs you of the court dates to dispute the judgement. 
You may contact me on my cell # XXXX XXXX, or work number XXXX XXXX and/or email of XXXX or XXXX Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally bank has consistently reported that i have two 30 day late payments in XXXX and XXXX of 2017 which is lowering my credit score. I have tried several times to dispute this with both Ally back directly and with the credit bureaus. I have uploaded documents ( screen shots ) of my payments with the data, times, and confirmations of my payments but all of my disputes have been ignored.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account Name : AMER FST FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CH XXXX TRUSTEE ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.