23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). The following account listed on my credit report have violated my rights : XXXX XXXX XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances.

The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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: Student loan

I have worked in public service starting in XXXX. My employer and my employment was certified by XXXX and my public service loan forgiveness was over XX/XX/XXXX. I am still making payments and I can not get anywhere with these people. I should have been one of the first. They have no reason to keep billing me. I asked one agent if anyone has been forgiven on this program and she said one person. I am a XXXX XXXX XXXX and I have saved XXXX life and millions of dollars of of property in my public service job. I have more than what is required by the PSLF. If this is a scam it needs to be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a tax lien on my credit report in the amount of {$1000.00} that was discharged in bankruptcy. I contacted the courts and they are not showing a balance owed, but TransUnion continues to report that I owe {$1000.00}. My bankruptcy was discharged in XX/XX/XXXX2017 and all other accounts have been updated, but this account is severely damaging my credit score. XXXX and XXXX are not reporting this account, only TransUnion
Product: Debt collection

XXXX internet has a scam whereby they ask you a bogus security question when you attempt to stop there service. When you can not answer there bogus question they refuse to discontinue there service as request. 
I have spent hours trying to reason with them in at least XXXX  phone calls. I have tried to stop there service by driving XXXX miles round trip to there store. 
This is a scam plain and simple. I am now being harassed by a collection company by the name of Radius Global Solutions LLC, XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX I have explained the scam to them and told them not to call me any more but they continue to harass me. 
Thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XX/XX/2022, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1000.00}.
Product: Vehicle loan or lease

Credit Acceptance Corp is a fraud. They have been adding extra fees to my credit report and Ive been paying attention lately. They apply all the money to the interest. My loan amount was {$13000.00} I had {$3500.00} down deposit. After all fees extra. I was left with {$11000.00} to finance. Ive been paying {$350.00} for 4 years straight. I had a problem one time and missed 1 late payment they came to repo my car. I said my checked just got cleared and had to wait for the bank to open to get the money and transfer it to my other bank, because I didnt have a card for this bank. The people would not listen.. They came at XXXX in the morning. I tried calling credit Acceptance but they were closed. So they replied my car. As soon as the bank opened I went and got the money deposit it and payed them off. To remind you bank opened at XXXX and they opened at XXXX I believed. So the car was at the place for 1 hr. They charged me {$700.00} to release my car. I only was {$43.00} late. So Ive been requesting pay off quotes before the payments were made. I make a payment and then request another pay off quote. When I made the request for the pay off quote my balance was {$3900.00} cent. I made a {$200.00} payment. I went back after 1 day after that payment and requested another pay off quote now my balance was {$3900.00}. So I made {$200.00} only {$0.00} went towards my balanced and added more. They are fraud. One day I requested my payment history. The guy sent me a link which was blocked. They said I needed a password to enter the link. I called and said they sent me a link and I needed a password and I dont have a password foe the link. They said they were going to get back to me. Never heard from them again.
Product: Checking or savings account

Claim number : XXXX I opened a claim with Bank Of America because {$400.00} was missing from my deposit in the ATM. They rejected the claim and stole my {$400.00}. This is not the first time that this happened but since this branch 's customers are mostly minorities and people who speak little English they refuse to do anything about it and continue to steal from them. 

This is inhumane and the way that Bank of America treats minorities is beyond belief. 

We have been hit the hardest by this pandemic and now they steal our money too. 

The wrong amount was shown and deposited in my account. {$400.00} is missing. I want my money.
Product: Mortgage

My mortgage servicer ( Loancare , LLC, or XXXX XXXX  XXXX, it appears that XXXX is a XXXX of the other ) acquired my loan in XX/XX/2021. Under the terms of my mortgage, the lender requires XXXX XXXX insurance, and pays the premium out of an escrow account ; no other expenses are paid out of escrow. 

Loancare notified me in a letter dated XXXX XXXX ( but received XXXX XXXX ) that they had no record of my XXXX XXXX insurance policy and intended to purchase force-placed insurance on my behalf. This was odd, since the previous lender they bought the mortgage of had been satisfied with the policy. Loancare directed me to a web form to upload my declarations page, which I did on XXXX XXXX. I did not receive the promised confirmation email, so I called them on XXXX XXXX. They had managed to lose my submission, but I got them to call my insurance company and confirm policy details. They confirmed verbally that the policy was sufficient, and then confirmed it in writing in a letter dated XXXX XXXX. 

Meanwhile, around XXXX XXXX, my insurance agency sent Loancare a policy renewal notice for the policy expiring XXXX XXXX. ( They also sent me a copy of the notice. ) So you can imagine my surprise when, in a letter dated XXXX XXXX ( but received XXXX XXXX ), Loancare informed me that my flood hazard insurance had expired, and they intended to purchase force-placed insurance on my behalf. 

I served Loancare with a formal Notice Of Error under XXXX C.F.R. XXXX, insisting that they perform their duties under the terms of the loan and restore my insurance policy using the money they've been collecting for that purpose and that purpose only. Given that the last time I had to go back and forth with them didn't seem to fix the problem, I am not hopeful and am looking into legal counsel, because this sure feels like they're dead-set on selling me insurance. 

Strangely, my XXXX  carrier informed me on XXXX XXXX ( as I was drafting this complaint ) that they received payment from Loancare on XXXX XXXX, which makes this threatening and errant letter from Loancare dated XXXX XXXX all the more suspicious. 

Broadly speaking, Loancare 's left hand does not appear to have any idea what Loancare 's right hand is doing, and I wish I as a consumer had some choice in servicer -- but I don't, since my mortgage can be freely sold. 

Letters threatening to buy force-placed insurance on behalf of a borrower should not be sent lightly.
Product: Student loan

I applied for the XXXX program through MOHELA in XXXX, and the system said that it might take a while to process. I called to check on the application in late XXXX, and they said that it simply hadn't been pushed through. They fixed that and told me it should go through in XXXX days. They recommended I call back at the end of that period to check on it. I called as it still hadn't gone through, but he said it shouldn't be more than XXXX more days. Nothing happened, so I called again today ( XX/XX/15 ) and they said that my application had been canceled. I had not been notified. When I asked why my application had been canceled, they said that the system thought it was a duplicate. They put my application through again and said that I should hear something in XXXX days. I have been paying a higher rate this whole time and need the payments to go down, which is why applied for the XXXX program XXXX months ago. I have been informed that forbearance is an option but that those months will most likely not count toward the XXXX, which I can't risk, so I have to keep finding the money for these higher payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Experian about the unauthorized inquires on my account. the credit company showed no remorse for my identity being stolen and continued to give me the runaround. please help. XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021
Product: Checking or savings account

Back in XXXX of 2020, I received credit adjustments on my checking account because I had fraudulent activity on my account which occurred out of state in Oklahoma. I reside in XXXX. I informed the bank I had not traveled to Oklahoma or made any such charges. They issued the credits on my account. I told them to also review the security footage because some of this fraud occurred in a casino there where there were security camera 's they could probably get access to. They obviously did none of that in terms of their investigation. Instead, they charged my account today almost {$2000.00} and caused it to go negative for that amount. I am a senior citizen on a fixed budget. I was almost in tears. I was on the phone with Bank of America trying to get through to them for almost three hours today. The representative told me to put this information in writing again to their claims department and request a resubmission, which I did. But in the interim, they refuse to take those negative charges off my checking account so I am unable to pay bills with it or buy groceries, etc. This is ludicrous. I am going to attach the copy of the letter I faxed to them earlier today for your review. It is outrageous. They originally told me they could review security footage on these transactions. I have not traveled out of state. They can not treat a senior citizen like this. I thought I had protection again fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had a vehicle repossessed about 4 years ago. I would like this account deleted on my credit reports. After they took the vehicle I was never given an inventory letter for my possessions in the vehicle, and never received notice before selling the car, " your lender must provide you with a notice at least 15 days before the sale date. In order to collect a deficiency, the notice must be given within 60 days of the repossession, and must include certain information, including your rights regarding reinstating the loan or redeeming the vehicle. XXXX XXXX. XXXX. XXXX XXXX ). "
Product: Vehicle loan or lease

Creditacpt Account # XXXX Balance XXXX Date open XX/XX/2017 Pursuant to 18 USC 8, I owe no debt this company is violating my consumer rite to privacy pursuant to 15 USC 1681b 15 USC 1681 4 company has also no permission to report anything using my information 15 USC 1692g Validation of debt 15 USC 1692e False or misleading representation 15 USC 1692i Legal action by debt collection 15 USC A 2 a I late payment 15 USC 1692j a b furnishings certain deceptive form Rule 1002 Requirements of the original
Product: Checking or savings account

I relocated from XXXX to XXXX in XX/XX/2020 and opened new savings and checking account at Chase Bank on XX/XX/2020. I informed the relationship banker that even though my ID had a XXXX address, I wanted my XXXX address as my communication address and I provided my copy of my rent agreement for the proof. Even I received my Debit card at my XXXX address. When my husband tried to fund my accounts from his bank account, chase blocked my access to my bank account. When I contacted the Bank, they informed me that they have decided to close my accounts unilaterally, and there is nothing I can do about it. They also informed me that my balance would be sent via checks to my address. First, they sent my checks to my XXXX address, which was returned since I was not living at that address. When I contacted them again, they informed me that I need to go branch for physical verification, which I did more than one month ago, but still, I did not receive any refund from any of my accounts. I am helpless, and I don't know what to do to get the money back. This whole process has cost me a lot of money and agony.
Product: Mortgage

A. In XX/XX/XXXXBank of America & 4 other major American Banks agreed to the National Mortgage Settlement ( NMS ) with 49 state attorney generals & Department of Justice ( DOJ ) under XXXX XXXX, Bank of Americas contribution was {$17.00} Billion good thru XXXX, monitored by XXXX XXXX a XXXX lawyer, in exchange BofA formally agreed, admitted : # 1. They knowingly misled the government and public about the value of toxic mortgage securities and # 2. Cease their previous illegal foreclosure practices. This agreement provided true principal reduction relief to struggling homeowners with a fixed 2 % P & I mortgage interest in exchange BofA would receive a {$2.00} credit write off for every dollar forgiven of mortgage interest, property taxes & insurance. I had 3 properties with Countrywide/BofA in some stage of foreclosure at the time & chose to resolve only 2 of the 3 properties thru this excellent program so why did they leave the 3rd property ( this one ) hanging with no written offer or resolution? nevertheless my 3 property arrears forgiven on their accounting books thru the NMS agreement. <P/><P/>B. Around XX/XX/XXXX i started a mortgage modification with BofA assuming it was the 2 % P & I with forgiveness they had agreed to & were suppose to be applying instead process dragged on for 3 months with piles of personal financial information requested while knowing they were trying to transfer the servicing & were never going to complete mod instead transferred service to XXXX who approved a mod in XX/XX/XXXX that added {$110000.00} to my original principal balance of {$130000.00} for total of {$240000.00} on a home worth {$140000.00}. How does this modification help? what a joke on top of it XXXX established an escrow account without my consent while threatening to foreclose since i will NEVER sign their illegal predatory permanent modification in its current form. I do continue to make my mortgage payments however in hope this is corrected. <P/><P/>C. How is this fair to borrower? The current modification environment forces you eventually back into foreclosure if you sign the permanent modification, it does not resolve the problem but temporarily delays the situation.
Product: Debt collection

I received a call from a woman who claimed to be with XXXX XXXX XXXX. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for XXXX XXXX XXXX. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from first progressive secured credit card. 
I have never heard of first progressive secured credit card, or of XXXX XXXX XXXX. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights of privacy have been breached and trespassed by this company which is a direct violation of federal law. This company is also in violation of federal law by reporting misleading information on their website without my written consent. This company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Product: Credit card or prepaid card

Signed up for the XXXX XXXX credit card offered by XXXX XXXX on XX/XX/XXXX, with an advertised sign up bonus of XXXX points after {$3000.00} in spend. Spend requirements were completed on XX/XX/XXXX, but XXXX/Synchrony have only posted a XXXX point bonus. This is a standard bait and switch
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XXXX XXXX and more specifically XXXX is pulling from the wrong SSN. XXXX has the last 4 of my SSN as XXXX not what it actually is XXXX. All of my credit reports are being filed under the wrong SSN. I have tried shooting with XXXX XXXX, XXXX, and even wells Fargo but they all have provided no help. I have been denied car loans, housing applications and now financial aid for schooling. All because it's not pulling the accurate score. Everything is being filed under the wrong SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filling this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous attempts I have made to rectify fraudulent items on my credit report with 3 Credit Bureaus. Despite my continued efforts to have these fraudulent entries removed, they persist, and they are causing significant damage to my financial well-being. 

Over the past several months, I have made multiple attempts to dispute and remove these fraudulent items from my credit report. These fraudulent entries are not only inaccurate but are also severely affecting my credit score and my ability to access favorable financial opportunities. Despite providing the necessary documentation, I have received several responses from your bureau indicating that these fraudulent items have been verified as accurate. 

I want to emphasize that these fraudulent items are indeed inaccurate. I have attached the relevant documentation supporting my claim. It is crucial that these discrepancies are resolved urgently to prevent further harm to my financial reputation. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau related to my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit report. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraudulent items in mycredit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 charge off XXXX XXXXXXXX Balance : {$0.00} 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 or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX  days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX