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

This continuing mortgage issue with XXXX has been a nightmare that has harmed me financially. I have had an FHA loan with XXXX XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. I have never had a late payment on it. I requested in XX/XX/XXXX a loan forbearance through the CARES ACT due to financial difficulties with Covid-19. I am XXXX as is my spouse. In XX/XX/XXXX my spouse suddenly went XXXX after we both had Covid-19 a few months prior and decided to end our forbearance quickly due to our need to possibly try and sell our existing home because having steep stairs became a hazard, and to also give us some time to get back into making house payments again. We were told you must make at least 3 payments to either refinance or purchase another home. I also was desperate to bring my currently reported mortgage balance down to where it should be ( about $ XXXX ) rather than the now over $ XXXX reported balance. Despite being told that my credit would not be harmed during forbearance, XXXX spent over a year adding interest and late fee 's to the balance being reported. That alone caused my credit score to drop over 100 points as balances are supposed to decrease not increase. I asked for assistance throughout XXXX from CFPB and XXXX but XXXX refused and CFPB did nothing to stop them. XXXX knew that what they were doing was purposely harming my credit. I exited my forbearance in XX/XX/XXXX and made a mortgage payment immediately but was not applied to my mortgage. I was given no options by XXXX other than a stand alone claim which was approved but no other options or modification to my mortgage was offered or discussed. I had to log into my online account and print all my documents then I was responsible for providing notorized copies to XXXX and mail them. To date I received nothing pertaining to this stand alone claim was told nothing about the program. rather I waited patiently for my credit scores to rebound once my mortgage balance was brought down to where it should be if no forbearance due to this pandemic disaster had occured. And my scores did rebound only to drop AGAIN in XXXX when XXXX reported my mortgage balance as being OVER $ XXXX AGAIN! I was shocked and angry and confused and contacted XXXX many times only to be told that the " system '' didn't know how to process this $ XXXX payment thus kicked it out again and reported my mortgage balance as increasing $ XXXX causing my scores to plummet once again. XXXX admitted it was their error but has done NOTHING to correct this false information with the credit bureaus telling me that I have to call each one, they will not. I have been victimized yet again and additionally my payment went up ( {$280.00} to {$300.00} ) DESPITE my first payment being applied to my escrow account to insure this DID NOT happen. NOTE : XXXX no longer originates FHA loans. If my scores were not harmed by them I would seek out a cash out refi VA loan so that I could find a single story home while renting my existing home out while awaiting its sale. But qualifying might be an issue with my credit scores again.
Product: Debt collection

i called them asked for proof of what debt was they told me some old hospital bill i asked for information from them so i can prove it wasmt mine amd was due to identity theft they refuse to send me info refuse to remove it its fraude they XXXX its from years ago i was a victim of identity theft and theybrwfuse to help or remove it
Product: Credit card or prepaid card

I have an Amex offer " Spend {$60.00} or more, get {$20.00} back '' on XXXX XXXX. I placed an order onXX/XX/XXXX. The initial charger was {$60.00}, then I received a confirmation email titled " Great news! You just used your Amex Offer ''. The content is " Dear XXXX We appreciate you using your Amex Offer at XXXX XXXX. Look out for a {$20.00} statement credit, which will automatically be applied to your statement if your purchase meets the offer terms. '' There were some items in my order were cancelled without notice. I only know this cancellation after the shipment, when was XX/XX/XXXX So the charge was adjusted to {$46.00}. Now AMEX refused to give me this {$20.00} credit. The cancellation was out of control at my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, the following accounts have violated my rights 15 USC 1681 section 602 A states that I have a right to privacy 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction XXXX REPORT XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  Accounts # XXXX # XXXX # XXXX # XXXX TRANSUNION REPORT XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  XXXX  # XXXX XXXX  # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The only address that should be reporting on my file is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX '' Kindly delete the addresses listed bellow : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to receive my consumer report from Early Warning Services on XX/XX/2019. The request was read on XX/XX/2019, but I never received any response.
Product: Checking or savings account

Capital One has failed to provide requested information showing a close out check was cashed by myself, funds received. Capital One rep by the name of XXXX replies by either stating check will not be reissued, despite the fact funds are still owed to me, conveniently twisting it around or marks the complaint as duplicate to avoid providing requested information.. The check in question was cashed by a third party without my consent or permission while I was on vacation, funds stolen. I've provided proof of whereabouts time check was cashed, check copes showing forged signature, statement from hotel where I stayed as well as statement from driver whom picked me up on XX/XX/2018 ... Capital One reps choose not to review this information, knowing it proves I did not cash check or receive funds. I request any information Capital One has with regard to cashing of check in question, any proof of receipt of funds. I suspect Capital One rep will do the same, mark complaint as duplicate or reply by stating check will not be reissued. If marked as duplicate, complaint will be resubmitted until information is provided as requested. The check amount is {$4200.00}, intercepted and cashed on or around XX/XX/2018, possibly XX/XX/2018. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018, did not receive check, sign or cash it. No refunds received from it
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute on XX/XX/2020 and it has been well over 30 days still with no response showing any results or verification of the disputed items in letter. Letters were sent to credit bureaus XXXX & Equifax for the inaccurate reporting. These items should be corrected and removed. It has caused tremendous problems for me during the pandemic.
Product: Debt collection

I submitted dispute through credit bureaus and they advised the debt was not mine. Then I contacted company via telephone and advised them that the debt was not mine and they advised me to file a police report, verified my address and updated it in there files. Not sure how to file a report on something dated XX/XX/XXXX,XX/XX/XXXX. Then I sent two validation letters to the company requesting validation of debt, one XX/XX/XXXX, one XX/XX/XXXX and I received account summary report which is not validation/proof that I obtained the debt.
Product: Debt collection

I am reaching out because I was contacted through XXXX XXXX XXXX XXXX XXXX and Certegy for a debt that is not mine. I initially filed a complaint against the collection agency. They came back with some information that was XXXX and old, so now I am going after the initial company with hard based facts. I do not owe any debt to Certegy or the collection agency for a business that I was connected to for a domain name. They state that there was a website purchased and/or initiated for in XXXX. The business was dissolved in XXXX and that is proven by information on the secretary of state website in GA. Also, in a recorded call, the rep reads off a drivers license number that does not belong to me. No of this belongs to me. I have already reached out to XXXX corporate office to see if there are any active accounts under my maiden name and married name. If they are, they are fraudulent. I am stating that communication by Certegy and XXXX XXXX XXXX XXXX XXXX are ceased immediately unless they state that they are removing this debt from underneath my name. Outside of that, there is to be no communication by mail, email, or phone to me at all.
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Checking or savings account

I opened this account and made some transfers from my other account to fund this one. The money has been sitting there. XXXX XXXX  has restricted my account since I opened it. They send a debit card that i can not activated nor used to get my funds. They are requesting that upload bank statements after my money has been sent to them. I have requested that they closed their account and return my money. It has been 30days. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. They all replied with the same thing, They will get the request processed. They have not released my money yet
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I am interested in consolidating my FFELP student loans to take advantage of COVID relief and IDR Adjustment. My loan are currently in repaying under the IBR ( Income Based Repayment ) which is under the IDR plans. I have tried to contact both my of student loan servicers as well as the FSAIC ( Federal Student Aid Information Center ). I have been unable to get a definitive answer regarding my eligibility for the IDR adjustment to ensure that I will not lose the previous XXXX years of repayment that I have currently made. The articles I read said that I would need to consolidate into a Direct Loan before the IDR Adjustment which is estimated as XX/XX/2023. However, neither my servicers or the Department of Education are able to answer questions definitively regarding my ability to get credit for these previous payment towards forgiveness. Without knowing this, refinancing will cause me to lose the XXXX years of repayment. The student loan servicing and DOE information system is woefully unable to answer questions about their own programs and provide definitive answers to borrowers to better understand decisions that will cause significant harm to individuals if the wrong information is provided. I felt like I knew more about the IDR Adjustment than they did.
Product: Credit reporting or other personal consumer reports

I recently went over my credit report noticed a fraudulent account posted there. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt twice on my credit report, to my knowledge. This collection company states that this debt is from a hospital in Florida- XXXX XXXX XXXX , located in XXXX , Florida . I do not recall ever going to XXXX XXXX in XXXX and I did not live in Florida in XXXX of XXXX, which is reported on my credit report. Capio Partners has listed this debt as opened in XXXX of XXXX for Credit Limit/Original Amount : {$1700.00}. Credit bureaus have certified this information as true but I have never received any documentation that this is my debt. I have received no phone call, no letters- no documentation at all that this debt belongs to me. This violated the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10.00} INQUIRIES : XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

The issue i 'm having is with a piece of accounting software XXXX withdrawing money out of my account unauthorized. I signed up for their software to handle my book keeping and payroll for my business. 

Generally speaking, I they do checking account verification via micro transaction verifications. In this case, however, they only withdrew money of my account and never deposited anything. 

The withdraws were made from my account on XX/XX/XXXX for XXXX and XXXX. I reached out to their support today ( XX/XX/XXXX ) and they informed me that they are unable to offer refunds. While I authorized the micro-deposits and withdraws, they never deposited any funds into my account and have thus stolen from me. It 's obviously a trivial amount, but it is unacceptable that they do this to me, and who knows how many others.
Product: Credit card or prepaid card

I need some help, I mistakenly billed pay my mortgage payment to XXXX/Wells Fargo a closed credit card which was back in XX/XX/XXXX which was {$2200.00} and not my mortgage company. There was nothing my bank could do because it was a bill pay, I have been trying to get my funds and it has been so hard. It has been three months, I'm behind on my mortgage now also. Not only do I still do not have my money now I have negative remarks on my credit file due to this. I'm not rich and that is a lot of money which I could not replace. I really feel that XXXX/Wells Fargo doesn't care it's there there life this is affecting. I have been told many different things, check was mailed, didn't get in the mail, called again today and spoke with XXXX at the executive offices XXXX ext XXXX and he put in another complaint as the first person would not return my calls XXXX XXXX # XXXX. Now I'm with a XXXX XXXX new # XXXX. I have stressed the important of this as I need to give this money to my mortgage company I was told another check was mailed on XX/XX/13 and still waiting. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

All these credit inquires were done without my written consent! Under 15 u.s.c. 1681 section 602 and 604 I have the right to my privacy and a consumer reporting agency can not furnish any of these inquires without my written instructions! Please delete all these inquires : 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
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

AMERICOLLECT XXXX  Balance {$400.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : 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  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: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I have exhausted all efforts to correct my information with XXXX  and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XX/XX/XXXX bankruptcy on my file that I have been disputing for over 1 year. Equifax keeps replying as accurate and verified. I even contacted my State court and they verified that they do not give out any information to third parties or credit bureaus. On XX/XX/XXXX I sent a certified letter to Equifax requesting physical documentation. They fail to send me physical documentation as requested. According to the FCRA section 609 ( a ) ( 1 ) ( a ) the credit bureau is required by law to verify through the physical verification any and all accounts that they post on a credit report. On XXXX XXXX I received another updated report with the same thing " verified ''. Also claiming that the information came from XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX and he did verify that Equifax did not request an inquiry of my public record. Also, I suppressed and froze my report with XXXX on XX/XX/XXXX. According to XXXX my file has a security freeze and credit bureaus will not have access to my file. So how could Equifax say they investigated and verified my dispute? ON XX/XX/XXXX filed a complaint with the BBB and they notified me after 30 days stating that Equifax has not responded back to them.