23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. We used XXXX for monitoring services and equipment at our home while we lived there. 
XXXX. We sold the home on XX/XX/year> and moved to XXXX, XXXX. We advised XXXX of this prior to our departure and they indicated that they would cancel the account, via the telephone. 
XXXX. The new owner of the home, is also paying XXXX for monitoring at the same address. 
XXXX. XXXX continued to collect for many months on my credit card until the credit card company put a stop to it, despite us not living there and having the cancellation request on file. Due to living abroad, I had little awareness of the credit card continuing to be charged. 
XXXX. We called and emailed XXXX multiple times to have them cancel and refund us what they had inappropriately charged us. They have ignored or hung up on XXXX every time. 
XXXX. They have now placed our account with three different collections agencies. Each time we have disputed and requested a refund of the money owed to us, and said we do not owe them anything. In each instance, the collections agency stopped collection attempts, before it was transferred to a new collections agency.
Product: Checking or savings account

today td bank association charged my account XXXX dollars overdraft fee without even notifying me.they assumed that my acccount was negative which it wasnt and they keep charging me overdraft fees.they did this many times since 3 months and they never refunded back my money.today XXXX XXXX 2017 they charged my accoount XXXX dollars overdraft fee.they wont give my money back and their managers are very rude and nasty.i wanted to file a complain adn try to get my money back from td bank
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my SS # XXXX my DOB id XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX , XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

Credit card company charging interest for balances less than 30 days old that goes against agreement. Stated because I was short less than {$150.00} on one statement for XXXX even though the XXXX statement was paid in full the entire balance for XXXX is subject to interest. Even though the balance is less than 30 days old. Asked the credit card company to review the account I was told there was nothing that could be done. Asked to please explain as if this was the rule I should be paying interest every month. Let agent know only past due balance or balance past 30 days should be subject to interest she state no that is not correct. Charged interest in entire balance for two billing periods. The explanation does not make sense as the past due balance is less than {$200.00} and I am being charged interest on {$2200.00} that I paid in full. This is borderline unethical practices.
Product: Mortgage

In response to a Complaint I sent to the CFPB, XXXX Bank and Ocwen were forced to admit that XXXX Bank never owned our mortgage and Note, in a XXXX page letter I have. 

On XX/XX/2012, XXXX Bank committed fraud by filing a foreclosure action on our home, although they knew they never owned our mortgage and Note. 

The bank has kept us in court for 10 years. We will be seeking an appropriate amount of damages. That 10 year toll on our family was emotionally and financially huge.
Product: Credit reporting or other personal consumer reports

My employer is incorrect on my experian, XXXX and XXXX report. Please update to XXXX. XXXX has only ever been my employer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # as listed below, 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 an account without my written instructions. 

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: Debt collection

I received XXXX notices from XXXX XXXX XXXX - a debt collection company - for two alleged unpaid debt claims related to a medical invoice from XXXX XXXX XXXX Reference Number : XXXX for an unpaid debt claim of {$2800.00} Reference Number : XXXX for an unpaid debt claim of {$270.00} I made repeated attempts between XX/XX/year> and XX/XX/year> to contact XXXX XXXX XXXX to request evidence supporting that the above debts are valid. No response was ever received from XXXX XXXX. No evidence was ever been provided. 

I have thorough and complete documentation of my repeated attempts to resolve this matter. In this documentation, I have outlined a detailed list of XXXX questions that require written answers. 

( See attached file ) I am unable to make any payment -- to Progressive Management Systems or XXXX XXXX XXXX -- without complete and truthful answers to my XXXX questions XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to TRANSUNION. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. I have also attached an FTC report for this complaint to support on fraudulent information complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX 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, has violated my rights.

15 U.S.C 1981 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.
Product: Credit card or prepaid card

On XX/XX/2020 and XX/XX/2020 I had two fraudulent transactions of {$1000.00} each made at XXXX. I was never notified of the fraud and resolution status. I finally saw the charges on my online account and called to report these fraudulent transactions. I mentioned that I never even received the cards that were used to make these purchases. This has been an on-going battle for months now with no explanations. I get transferred to multiple departments with no answers from anyone. One agent I spoke to told me a police report was needed in order to resolve this investigation. I submitted the police report and still do not receive any updates nor is the issue being resolved. I complained today and was told that now I need an additional report from USPS saying my mail is not being delivered and that they are going to conduct an investigation. Also, I clearly submitted fraud claims for 2 TRANSACTIONS. The agent only marked one of them and the other charge remained on my card and I had to report it again today after mentioning it for MONTHS to Discover. I also included BOTH charges on my police report. I am sick and tired of being ignored. I followed all necessary steps. How is a police report " not enough '' when that is what the agent told me to get in order to receive my money back? Today I was also forced to pay a {$35.00} minimum payment or else my account would be closed and charged-off. This is effecting my credit score and I will not let it go on any longer. Also, I paid the minimum payment that was requested and was told that I would get a refund and that my account would not be closed. To my surprise, the next agent I was transferred to told me my account was closed. The previous agent told me that {$1000.00} had been credited back to me and I would receive a new card within 7 days. Every single agent I speak to has a different story to tell. It is absolutely not right to close my account with no notice and considering the fact that the whole balance is fraud that is not being investigated! This is absolutely ridiculous at this point. I would like my account to be reopened and for these charges to be credited back to me. I also need my credit report to be fixed. This issue has been causing me an enormous amount of stress. I am not receiving any notifications or updates and Discover is lying to me as well as making unauthorized decisions on my behalf.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN* XX/XX/2019 {$430.00} CONSUMER ADJUSTMENT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX issued a new card and I always insist all cards on autopay. Alerts were not forwarded to my phone as with other cards. My B of A debit card was wrongfully closed by an associate and I was not informed during phone calls to XXXX and other regular charges through XXXX of issues with my card, I shopped unaware of the problems XXXX XXXX services did not ever send alerts. 
A bank associate closed my debit account causing me to physically be unable to bank. I was sick a lot of the time and did not open the mail. An alert from XXXX, not XXXX, not XXXX caused me to look closer and discover the XXXX account hadn't been auto-paid and I couldn't physically bank for a small period of time. 
A few accounts were affected and all my perfect rating was affected unintentionally. XXXX promised to help if I submitted proof and then backed away from it. I asked to have the phone calls listened to for proof of the lack of information and failure to have one payment processed as I requested. I asked for one payment to process which was not done. This inadvertent mistake caused ripples across the bureaus and other creditors shunned and deemed me delinquent as one of 600 or more payments came in late. I never saw such an unfair form to penalize a consumer. Bank of America gave me screenshots of all the documentation they provided as I complained of the problems caused on several accounts, some just billed me a processing fee, others never filed against me and XXXX is the only unforgiving company and on this unfortunate error compounded by Covid sickness and bank associate error. Please look at the fine print of the documents attached as XXXX XXXX XXXX asked me to submit them in order to possibly forgive the undetected, unalerted, unwilling error.
Product: Credit reporting or other personal consumer reports

I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from XXXX XXXX, Ally Financial, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX  I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them. 

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation
Product: Credit card or prepaid card

I switched jobs and didn't get the email that my check paying off the credit card for XXXX wasn't cashed because of a mix up at my bank. I received a letter from Chase credit card services on XX/XX/XXXX, 1 week after being 30'days late and them hitting my credit with a late pay. The letter is dated XX/XX/XXXX that the check wasn't cashed and email came back. I called chase to explain I never received emails or phones or a letter and they said that was untrue. I called on XX/XX/XXXX immediately after finding out my credit was hit with a 30 day late. They said they had done everything they could and would NOT lower the late pay. Absolutely unforgivable as they sent the letter out late after the lates and never called to let me know the check wasn't cashed!!! 

The letters attached were received on XX/XX/XXXX ... a week after the due date!!!
Product: Mortgage

I entered into Covid Forbearance with Gateway Mortgage XX/XX/XXXX and in the transition of forbearance I was forced into a Modification. They come back with loan modification documents with an increase in rate causing an increase in monthly payment. I have called and spoke to XXXX requesting contact with loss mitigation or underwriting to request other payment options more specifically partial claim. My account was noted and received a call from XXXX on XXXX indicating that my request to appeal my modification was denied and I exhausted partial claim. I had no options pay the outstanding balance in lump sum or agree to modification. If these options didnt work they will start the process of Foreclosure. I asked my account be noted to have a Supervisor call me, at which time I was informed they return calls 24-48 hours. I called again on XX/XX/XXXX requesting update on Supervisor call and was informed I should receive call on Monday XX/XX/XXXX. Today, XX/XX/XXXX I received alert from Credit reporting agencies, that Gateway reported my account delinquent and reported last payment on XX/XX/XXXX, when last payment was submitted on XX/XX/XXXX for the actual monthly payment. It appears that my rights were violated under the FHA after Covid Forbearance and my XXXX payment was not applied to my account. I can resume my monthly payment with an option of partial claim for 5 Covid forbearance payments. After doing research and CFPB site see : Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive COVID hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a HUD-approved housing counseling agency , to discuss a repayment plan that works for your situation. 
Most servicers must offer forbearance, and the others can provide options The COVID hardship forbearance applies to all federally backed and federally sponsored mortgages, which includes HUD/FHA XXXX VA, USDA, XXXX XXXX XXXX and XXXX XXXX mortgage loans. This includes most mortgages. Homeowners with federally backed loans have the right to ask for and receive a forbearance period for up to 180 dayswhich means you can pause or reduce your mortgage payments for up to six months. Additionally, you can request an extension of forbearance for up to 180 additional days, for a total of 360 days. 
The consumer reporting protections of the CARES Act continue to apply to the time period that was covered by the accommodation after the accommodation ends. Assuming payments were not required or the consumer met any payment requirements of the accommodation, a furnisher can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ends. A furnisher also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  corporation was deleted but still remains on my credit file. It was investigated and removed.
Product: Debt collection

XXXX XXXX XXXX contacted me by mail about an alleged debt i owe to XXXX XXXX XXXX in XX/XX/2018. I responded by certified mail asking for validation of said debt and that all correspondence be sent in mail, they have called me without validation of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address in my profile that i never been to or live at. 

I also have some issues with credit scoring dropping significantly with no significant reason or data behind it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Today is the XXXX of XXXX, XXXX. On XX/XX/XXXX I went to pay my XXXX mortgage online as usual and the website was non-responsive/would not load. I've tried calling multiple times and their phones were also down with no direction or indication if it would be back up or when it would be resolved. 

I've tried accessing my online portal to make a payment every day since the XXXX and the website is still not available : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried calling again this morning, the XXXX and the recording available says the website is down for technical difficulties and that the representatives are unavailable as a result. I am concerned I will be responsible for late fees and that this will harm my credit. Additionally, I have not been treated as a valued customer or communicated with. 

There are several other people online at various sites communicating they too are having challenges getting in touch with the XXXX XXXX XXXX LoanCare mortgage company : https : XXXX? XXXX
Product: Credit card or prepaid card

I called my bank and let them know that my card was missing so i filed a dispute onXX/XX/2021 from several charges appering on my online bank account so i got my money back. I recieved couple of letters stating that they investigated and that the charges where incorrect and that tha credit they gave me back was know permanent so everything good till that point so i received another letter saying that charges were correct from certain company and that they were going to take back my money so know my bank account is overdrawn by almost XXXX dlls. The confusing part is if i had reported my card lost and the same day the transsaction was made wich was on XX/XX/2021all the other were made as well so the other charges they said they were incorrect exept the charges from one company that cant be right if all charges were made same day then is obiosly i did not make or authorize this payments the company name is world remit and my banks name is chase..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Equifax is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

XXXX : XXXX XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX  XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items