23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It all Begin XX/XX/XXXX this year when my Mortgage company contacted me that Effective XX/XX/2022 my mortgage loan servicing will be transferred from XXXX XXXX XXXX XXXX XXXX to Fay Servicing , LLC. SO MY XXXX PAYMENT OF {$540.00} was the last payment to Community Loan Servicing. So I call Fay Servicing 1st to set up Auto pay because I were yet to receive my Welcome package with my direction, once received welcome package it instructed me what to do, I went on line and set up auto pay for upcoming draft XXXX XXXX. On XX/XX/XXXX I notice my auto draft of {$540.00} Pending from my checking account ALSO I saw another Pending of {$950.00} from Fay Servicing that I did NOT AUTHORIZE, I call my Bank XXXX and spoke with the Security Dept, they instructed me to call Fay Servicing I did, they told me they saw Nothing on my file of that {$950.00} Charge I went back and forth with My Bank and Fay Servicing.XXXX XXXX Fay Servicing XXXX Credit of {$95000.00} back to my account.Same thing Happen XX/XX/XXXX my account Debited {$950.00} un-authorize Transaction, Fay Servicing Reversa Credit back to my account of {$950.00} XX/XX/XXXX. On XXXX my account Debited {$950.00} and UN-AUTHORIZE TRANSACTION. I haven't been Credited YET.Its A MESS, and I'm Tired
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error XXXX XXXX XXXX XXXX and must be resolved immediately. 

Account Name : XXXX XXXXXXXX - Opened XX/XX/year> Account Name : XXXXXXXX XXXXXXXX - Opened XX/XX/year> 2007
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my Experian Credit report that an account is " Account charged off. {$7100.00} written off. {$7100.00} past due as of XX/XX/year>. '' This is inaccurate because according to the IRS Cancelled debt ( charge off and write offs ), one must report any taxable amount of a canceled debt as ordinary income. 

Since this is income that I need to report to the IRS on my income tax, this shouldn't be reported on my credit report as a collectible debt since XXXX XXXX already took a tax write off for this. Therefore, it's an inaccurate reporting as " charged off and written off '' and it should be removed from my Experian credit report.
Product: Consumer Loan

I applied to receive a loan from Big Picture Loans.com XX/XX/2017. The loan was approved for {$550.00} and the funds were deposited in my bank account on XX/XX/2017.The agent stated if the loan payment is made 3-4 days prior to the due date, no finance charges would apply. I contacted the company on XX/XX/2017 to repay the full loan amount of {$550.00}. At this time the agent stated it could not be done due to the over {$200.00} finance fees. I requestd to speak to a supervisor and was transferred to XXXX # XXXX who stated I needed to cancel the loan within 2 days or repay the loan by XX/XX/2017. The loan agreement does not state to pay by XX/XX/2017 in order to avoid finance fees. I only used this {$550.00} less than 30 days and impossible to cancel within a 2 day period when that option was not clarified. Plus the effective date of XX/XX/2017 was for funds could be received prior to this date has nothing to do with repayment by XXXX. Had I had been thoroughly made aware of BiqPictureloans, com interpretation of the loan agreement versus what I understood it to mean, I would not have accepted this loan of {$550.00}. I believe this company is deceitful and predatory. I want to repay the loan amount I received and nothing more on XX/XX/2017 and have the loan closed out. I want to report this company to your department that is attaching a 559 % annual to their loans. Please forbid this company from doing business in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXXXXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

2. Late Payments XXXX XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

3. Late Payment XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

4. Late payment XXXX XXXX  XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

5 .Inconsistent open dates Throughout credit reports Not consistent among the three.

6. Inconsistent payment date Throughout credit reports Not consistent among the three.

7. Inquiries done by XXXX, XXXXXXXX XXXX XXXX which I do not recognize.
Product: Credit card

my imagine credit cards were closed by the company without my permission i was struggling to make payments due to i was in the hospital with a XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt is a charge off, However this is actually considered as income. I did not receive a 1099C in order for this to account as income. This is not a charge off. I am requesting for the XXXX XXXX accounts to be removed. This is not a debt this is considered income and should not be reported on my credit report.
Product: Student loan

Cares Act during the period of payments on federal student loans are suspended by the Department of education any payment suspended by the department of education is to be reported as if regularly scheduled payment made by the borrower.
Product: Debt collection

Receiving recorded message daily for 3 months from " Diversified Adjustment Service '' debt collector. The " service '' does not ask for us by name and never has because we believe they are merely attempting to attach a name to our non-published phone number. 
The " service '' always request that we contact them at their XXXX phone number, and we believe that their software will identify the person and no-pub number they are calling daily. Their is never an active person on their end, and they prefer leaving a daily msg on the answering machine. We have had to leave our machine full so that it cuts them off, which means that we can not receive other messages. Why do n't these buzzards have an active representative contact us to verify that they have the correct party/parties? They are merely manipulators attempting to ascertain info from private phone numbers and do not want to divulge who they are wanting to contact because the person probably does not exist. Phishing and unnecessary harassment ...
Product: Credit reporting or other personal consumer reports

XXXX has a breach which has put all my private information out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as ofXX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC is currently reporting on all three major consumer reporting bureaus that I owe their company {$17000.00}. XXXX started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered XXXX  and XXXX  stress because of this false and negative credit bureau reporting.
Product: Debt collection

Capital One keeps on calling and leaving a voice message nonstop every single day while Im on my debt Settlement Program.
Product: Mortgage

I have been trying for a very long time to modify my mortgage. I was originally told that I qualified for the deferment program and that I just needed to request it verbally. Turns out that was a lie because I have a VA loan. I submitted the documentation requested and received a letter which stated no further documents were needed. Later, I received a letter saying the review was closed as documents were needed. I confirmed with my RM via email that the letter telling me no more documents were needed was sent out in error. so by the time all this was figured out, the post covid options were no longer available. I just want to resume making my monthly payments and have the past due amount and escrow moved to the end of the loan. I just want to remove this dark cloud from hanging over my head and move on with my life. I do not want to leave this home. I have provided several times that my household income supports the mortgage payments but yet am told my only option is to do a repayment which is like XXXX a month. I reached out to the VA and learned there is a new program called the XXXX. They told me to contact shellpoint to have them submit my loan for the program. I emailed shellpoint on XXXX, XXXX, and XXXX and have not heard anything back, despite having successful communication via email with them in the past.
Product: Credit card or prepaid card

I would like to dispute the report provided by Citi and request that you investigate the matter further. I have attached several documents for your consideration. I had been a customer of Citi since XX/XX/XXXX and was in good standing paying this bill until XX/XX/XXXX when Citi abruptly transferred my account to a credit collection agency. When I contacted Citi, I was told that it because I had requested debt relief. I informed Citi that I was not involved in any debt relief program. An authorized user on my account did contact a debt relief agency. Even after I proved that my account was not part of any debt relief program, Citi did not restore my account. After trying for 4 months to get the issue resolved by contacting Citi and the Better Business Bureau in New York ( Complaint ID XXXX ), my account was restored ( brought back from the collection agency ). I was never notified by Citi that the account was brought back and would close again with 30 days if the delinquent balance was not paid in full. I paid two payments and the account transferred for a second time. I contacted Citi again and was told that the transfer happened because the account was still delinquent. I have contacted the Better Business Bureau twice about the way the manner in which my account was handled. I have been contacted by Citi 's Home Office in a bogus attempt to rectify the matter but the Rep tells me what I already know which is that the account is delinquent. Citi NEVER rectified its mistake by transferring my account in error in XX/XX/XXXX. Yet, I am paying the penalty with this delinquency being recorded on my credit report. The account was not delinquent when it was transferred in error in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX XXXX XXXX Original Creditor : 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Bank of America. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge.
Product: Credit reporting or other personal consumer reports

Credit Karma has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Credit Karma, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumer of dispute outcomes. As Credit Karmas inaction to violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

So to summarize my problem.. in XXXXXXXX XXXX XXXX, I applied for an Indigo Mastercard by Genesis FS Card Services and was approved for {$300.00}. To this day, I still have never received my credit card from them and I called almost 5-10 times and I only get the same answer that I must wait another 2 weeks. I can not create a login nor pay my bills online on their website because I dont have card numbers to register my account. Keep in mind that they can easily send me monthly statements to my home, but cant send 1 single credit card in 3 months time.
Product: Debt collection

Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. I have told XXXX many times to stop calling and he has ignored this request. He has called and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling.
Product: Credit card

In XXXX, I used Visa Gap Credit Card managed by XXXX  to purchased international airline tickets for my parents to come visit from XXXX. Flights were canceled due to travel restrictions, then the war started... 

I kept in contact with the XXXX XXXX in order to extend my travel certificate and on XX/XX/XXXX they unexpectedly issued a full refund " to the original form of payment ''. However, the Visa GAP credit card does not exist anymore. 

In XXXX, Gap Credit Card became Master Card and all accounts were moved to Barclays. XXXX assured me that the bank that issued the card ( XXXX  ) would send me a check even though I no longer have an account there. I called XXXX, they said that there is no record of any refunds and if there are any, it would be handled by Barclays. I called Barclays and they said that they have no records of any transactions prior to XXXX and no refunds were posted. 

I had an extensive communication with XXXX XXXX XXXX ( including through XXXX  ). They've conducted a thorough investigation and assured me that the amount was successfully refunded back to the original form of payment. Its been almost three month now since the refund was issued. I spent many days on the phone with both banks and XXXX trying to locate my money and now I am hoping for your help. I have receipts for two refunds ( one per each ticket ) - {$620.00} each or {$1200.00} total, but I have not received that money and I don't know who is responsible - XXXX  or Barclays.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX maintenance worker tried to burglarize my apartment. I have it all on camera. I feared for my life and called the XXXX POLICE DEPARTMENT to the apartments to file a police report on XX/XX/2020. XXXX XXXX XXXX gave me permission to break the lease with no fees or penalties. 
XXXXXXXX XXXX XXXX has placed XXXX XXXX XXXX XXXXXXXX in the untenable position to commit felony conversion aiding and abetting fraud by mail attempt to collect a debt that I have no contractual obligation. ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering. XXXX XXXX XXXX XXXX has violated my privacy and have failed to adequately comply with the affidavit request. Over the last 3 years I have been dealing with the harassment of XXXXXXXX XXXX XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. The inaccurate reporting has damaged my livelihood. At this point I have to tried to resolve the matter. What else is there to do, File a complaint with the Attorney General, File a complaint with the federal Trade Commission. File a police report against you for harassment an invasion of privacy. File a lawsuit against you in Florida for harassment, fraud, and invasion of privacy. For the purpose of Section 242, acts under " color of law '' include acts not only done by federal, state, or local officials within the their lawful authority, but also acts done beyond the bounds of that official 's lawful authority, if the acts are done while the official is purporting to, or pretending to, act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, lawyers, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status or national origin of the victim. The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.
Product: Credit reporting

i have been disputing XXXX educational loans and a collection from us department of education to bureaus, but experian is not helpful at all, i have been disputing this items for two years now and they have not been resolved, please i need your help to remove these items from my records, documents will be attached. along with the dispute letter. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card ( s ). Sent disputes beginning XX/XX/17. Filed disputes requesting creditor to remove negative items if not reported to the credit reporting agencies in compliance with FCRA and FDCPA.
Product: Checking or savings account

I am trying to receive payment from XXXX by linking to my PNC bank account and PNc will not allow the link.
Product: Credit card

I mistakenly paid {$70.00} less than the statement balance on my Chase Freedom credit card -- ~ {$2200.00} rather than {$2200.00}. So, their tactic is that the ENTIRE balance is subject to the borrowing interest rate ( that is, the usual grace period is null and void for the credit card ) - not only for the previous statement period but for the following statement period until the payment is received. So, I had interest charges of approximately {$10.00} apiece for two consecutive months ( by which time the balance was completely paid ). Essentially, {$70.00} borrowed for 2 or 3 weeks resulted in {$20.00} interest charge which would amount to an effective annual interest rate of almost 400 %. I hope there could be some reform in the laws so that only the UNPAID portion of the credit debt could be subject to interest assessment.
Product: Credit reporting or other personal consumer reports

After recently checking my consumer report I noticed a numerous amount of unauthorized inquires. In result of these authorized inquiries the probability of any creditor approving me for a line of credit is being diminished due to these unauthorized inquires. 


According to the FCRA section 604 ( f ) " a person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under { FCRA section 604 ] and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification '' " These harms include the invasion of consumers privacy, as well as repetitional, emotional, physical and economic harms. '' https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I made a payment to NTL Recovery Agency, who stated I owed {$130.00} to XXXX XXXX XXXX XXXX in New York. The account was removed from my credit report but appeared two years later stating the account was open in XXXX. I no longer reside at the address and have not been for three years. do not owe any money to this company. When I call to get verification of my debt they ask for and account number which they should have available as they are the ones stating i am owing that debt.

I filed a dispute with the three credit bureau, they sent back information stating the account is accurate but did not provide any documents as proof as requested. There is no contact number for this company and or any way to reach out to them. This is affecting my credit score. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE HARD INQUIRY IN MY CREDIT REPORT FROM XXXX  XXXX ON XX/XX/2020 WHICH I M NOT AWARE OF.
Product: Credit reporting or other personal consumer reports

In XXXX an account for {$44000.00} was opened in my name. I did not open this account. The phone number provided by the credit bureau doesn't work. Its a bad number, so I can't get information about this account. Looks like the account was opened during the pandemic. 

I sent a follow up letter in XX/XX/XXXX to XXXX XXXX and on XX/XX/XXXX, I received a return notice from the XXXX XXXX XXXX indicating unable to forward. XXXX XXXX doesn't exist.