23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was  XXXX   in  XX/XX/XXXX  and  XX/XX/XXXX . The b ill that was not paid is from  XXXX   XXXX   XXXX . I have called them and told them the bill needed to be sent directly to my insurance company,  XXXX . I gave them the insurance address and phone number to claims. My insurance paid all other bills. Instead of  XXXX  sending the bill to my insurance, they chose to refer to a collection company.  Stanislaus Credit  control service I have sent certified mail to all involved. My latest contact with my insurance company said they will pay the entire bill.   In the mean time the collection agency has destroyed my credit report.
Product: Debt collection

on XX/XX/XXXX I was saw in the ER by XXXX XXXX XXXX XXXXXXXX, XXXX. My personal medical insurance is XXXX and XXXX XXXX XXXX is In-Network. The bill was {$1000.00} - the contracted rate between XXXX and XXXXXXXX XXXX XXXX  was {$410.00} which they paid on XX/XX/XXXX. The balance should have been written off/discounted - XXXX XXXX XXXX  has billed me the balance of {$670.00}, I have conference called with XXXX and XXXX XXXX XXXX  and it was concluded that i did not owe the balance based on their contracted obligations. XXXX sent over an EOB. the account was turned over to Wakefield and Assoc., we have sent them the EOB twice ( they claim they don't receive the emails and they don't have a working fax ). as of XX/XX/XXXX, Wakefield and Assoc. says they have closed the account and sold it to another company called XXXX XXXX. My credit rating has been damaged by the incident being turned into collections. Balance Billing is against the law when the insurance and provider have a contracted rate.
Product: Mortgage

Mr. Cooper Home loans only has two options for covid-19 forbearance programs, both of which are setting all of us up to fail. One is a 90 day deferment with a balloon payment on day 91. Two is they decide how to divide up my 90 day amount and deck it onto my monthly payments. I would like to tack the 90 days at the tail end of my 30 year mortgage, but that is not an option with them. They are backed by XXXX XXXX and XXXX XXXX. I told them I lost my job due to covid-19, I was furloughed until XX/XX/XXXX then the company will revisit the situation before we can go back to work. Unemployment is giving me less than half of what I made and I am unable to contact anyone in the office. South Carolina unemployment has either a recording on coming the caller that they must call back at a later time or it is a busy signal.
Product: Checking or savings account

On Tuesday, XX/XX/22 I contact Bank of America regarding multiple fraudulent charges on my checking account in the amount of {$1500.00}. A new debit card has been issued on the account and sent to a entirely different state then my state of residence. The person receiving the card bought groceries then made 5 ATM Withdrawals to drain the account down to {$7.00} and some change. A fraud claim was filed and I was informed that a provisional credit should be issued within 3 to 4 business days. I called today, XX/XX/22 to check the status of the claim and to make sure that multiple bank fees stemming from this fraud would be credited as well. I was told by the person I spoke to that it will be up to 10 business days to see a provisional credit on the charges. An hardship escalation was offered and requested by the rep but this will take 1 to 4 days to process. 

Bank of America has been very misleading about how long this process takes to resolve and get access to my funds back.
Product: Credit card or prepaid card

Today, XX/XX/19, I ordered some items on XXXX for a friend that totalled {$550.00}. Before I placed the order, I checked my XXXX Chase credit card limit, and I only had {$180.00} left, so I wasn't going to order until I could deposit some money and pay down my bill, but on the checkout page, there was an option to break the total amount into 18 equal payment of $ XXXX per month. So I checked the box and placed the order, expecting to see a charge of the first month 's amount. Instead, I was billed the full amount on my XXXX Chase credit card, which removed the last of my remaining credit, and caused me to exceed my credit limit. No doubt, I would have had penalties, but as soon as I saw the charge notification, I called Chase, who tranferred me to XXXX, and I cancelled the order. Chase then assured me that everything was corrected, and was back to the way it was previosly. ( We'll see ) When talking to the Chase person, she said that while they offered 18 months split up into equal, interest free payments, it actually was implemented as 18 months of an interest free loan - which is not the same thing at all. In fact, the person I was talking to at Chase said that she very recently took advantage of the same offer, only to find out that she too was billed for the full amount, to her surprise. 
Being able to pay in 18 installments is not the same as being charged the full amount interest free for 18 months. And how would that work? How would they separate this charge, at zero percent interest rate, from other charges? No doubt, they would find a way to profit from the 'no interest ' loan. 
They could have easily called it an 18 month interest free loan, but chose to make a misleading statement.
Product: Money transfer, virtual currency, or money service

I have an account with XXXX XXXX  and I initiated 6 wire transfers through XXXX XXXX  during the period XXXX XXXX. 

On XX/XX/XXXX i wired {$40000.00} to XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America , National Association : Bank addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Routing number XXXX from my XXXX XXXX  account. 
XXXX claim number XXXX XXXX The above money was wired by me to this fraudulent account through a whatsapp scam. I already complained to XXXX XXXX XXXX to follow up with BOA to recall this wire. Despite numerous attempts, BOA didnt respond immediately and finally XXXX received a response as below XXXX XX/XX/XXXX, we received a message from the beneficiary bank stating the funds are no longer available for return. We initiated a wire recall request to Bank of America for {$40000.00}. We received a response from the beneficiary bank stating they need a Hold Harmless Indemnity Agreement to be sent. To follow up on the Hold Harmless Indemnity Agreement. 
XXXX asset trf team has already sent this when i spoke to chase on Thursday XXXX but there has been no communication from BOA. Appreciate if you could work with BOA to assist with this process so we dont delay any further the wire recall process and we end up not having any funds in that account.
Product: Student loan

I spoke with XXXX from Navient who stated that they received a completed loan consolidation application from XXXX XXXX on my behalf and I never completed the application online. I only completed FASFA for XX/XX/XXXX-XX/XX/XXXX and then I had to go back in and do one for XX/XX/XXXX-XX/XX/XXXX FASFA application upon doing so in XX/XX/XXXXmy school notified my promisary notes were ready to be signed and I went into my account on Student loans.gov and there was the consolidation application and they support team stated they are not sure as to how that happened by just cancel it and it would not allow me to do so so they said accept it and we will cancel it on our end. I was under the assumption that is what happened on XX/XX/XXXX until I was notified by navient I then told them that was incorrrect and to cancel the application they stated I had to contact student loans customer support i did that and they are ping ponging me back and forth with the same statement. No one wants to accept responsibility and to make matters worse the original consolidation from XX/XX/XXXX was included in my bankruptcy filing on XX/XX/XXXX and not suppose to be touched at all. 
The next issue is the account is wrong I have four loans with all different interest amounts and there should only be two loans the consolidation in the amount of XXXX ( ROUNDED TO THE NEAREST THOUSAND ) and the AMOUNT REQUESTED IN XX/XX/XXXX FOR CURRENT SCHOOL YEAR taken out to cover the last two semesters of schooling.
Product: Checking or savings account

On XX/XX/2022 I closed my account with Mountain America Credit Union. A few days latter the account was reopened to pay a new charge, because the reopened account had no money in it it was also charged for insufficient funds. The reopening of the account was done without my permission. After finally being informed of the charges to the closed account I called the credit union in an attempt to clear up the situation, but was told the only solution would be for me to pay the charges as well as the insufficient fees, because I refused to pay them the debt was sent to collections and is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : po box XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with TransUnion and XXXX  they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either TransUnion or XXXX
Product: Mortgage

Dear CFPB, it is not over 90 days asking my mortgage company help to avoid foreclosure and all they keep doing is requesting for the same documents over and over again. it got to a point where I'm faxing the same documents every week to them. 

i am now in foreclosure with a sale date and CARRINGTON MORTGAGE - Loan Servicing / Supervisor XXXX id # XXXX refuses to help me because she said due to my background the investor of this loan refuses to help me avoid foreclosure. 
Therefore it is not on their best interest to help me. 

i asked for her manager and she keeps telling me they all are on vacation and they will come back until the end of the year. 

Please help me since all im asking is help to avoid foreclosure and save my home. 


XXXX XXXX
Product: Debt collection

The company sold the account to NCB Mangement Services Inc. NCB continued to call even though I told them I could not pay anything due to being unemployed, and then calls became more frequent to the point they started to reach people in my family about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XXXX, XXXX ) and XXXX XXXX   XXXX reference account XXXX, XXXX
Product: Credit card or prepaid card

I am having problems with the credit card company not communicating with me the status of the complaints. They have removed my access from being able to see my account online and also made it impossible to get a clear understanding of what is happening with my account. 

The company has opted to accuse me of breaking a rule and cancelled my card which was due to packages being stolen and a police report was filed. The purchase was from XXXX and they made on big order into close to 10 to 12. Due to the items being taken or not delivered I requested assistance. 

The credit card company has made a determination now that is harming me from seeing the statements online and being able to review what is happening. This action is not only wrong but it places me in the blind as to what is happening with my account. They know that I am XXXX and this further causes problems for me. 

They have been very difficult to deal with and I have requested more information.. I want the information to be available online as I have paid my bills and should not be blocked.
Product: Student loan

Fed. Loan Servicing has refused to update my eligible payments to the Public Service Forgiveness Plan. I have called them multiple times about fixing this this problem. They keep saying that they are working on it, and sent me an email saying that they are trying to verify if my school qualifies. Obviously my school qualifies because it is a state school, so verifying this should take no more than 5 minutes. The problem is that I sent this information in XXXX of XXXX, and now it is XXXX of XXXX, It doesn't take 5 months to verify if a school qualifies for eligible payments. In addition, on their website it says they need more information from the government before granting anyone a limited waiver exemptions. However, it was very clear in the language in the media who qualifies for this waiver, which is all people who have direct loans. It's like Fed. Loan Serving is not serving loans anymore after this year. So, they are not making any effort on helping anyone. I want eligible payments updated ASAP, because I should not have to make any more payments. But, because they refuse to update their system I am unsure where I stand. Five months is a very long time to verify a school that could be done immediately. The fact is that they are still under contract and getting paid to help borrowers, so I would like my account updated. In the past, they denied eligible payments that other servicers deemed eligible payments. This is unethical, and unnecessary. At this point, I just want my account updated with eligible payments posted and late payments counted as eligible payments under the limited waiver rule. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

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 1881. 

This is inaccurate. Please remove these errors from XXXX, XXXX, and Experian that shows we have been late. 

Account # : XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/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 items 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 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 or other personal consumer reports

On XX/XX/XXXX. I mailed my FTC report and my license to XXXX, Transunion, and XXXX. I will be filing a civil suit about fraudulent information reporting on my consumer reports.
Product: Credit reporting or other personal consumer reports

I have made many disputes with Experian over account I didnt recognize and they received my disputes but to only ask the company who made the remarks on my account aka collection companys without proof of said debt was real. I never received any notification or notice from said collection companies of debt or any other information besides they validated my account that I owe with no proof or no paper evidence
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions. 

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected.

3. 15 USCS 1666b This section states that 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 appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report. 

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

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

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Nordstrom/TD Bank USA, and TD Bank USA/Targetcred. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Transunion and XXXX about a paid account that is still reporting as open I have sent letters to both companies to no avail.