23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My problem is with the servicer of my mortgage loan , LoanCare. I r efinanced into an FHA adjustable rate lo an two yea rs ago with  XXXX   XXXX   XXXX . The loan was then transferred to LoanCare. About a year ago I began having some   XXXX   health issuesmy  XXXX  flared up and also I was diagnosed with  XXXX . I had to be hospitalized to remove my  XXXX . I have been   XXXX   for the past 12 years working in asset recovery. When this happened, I was unable to work for several months and not able to collect any type of workmens compensation or insurance to make up for my lost wages. As a result, I fell behind on the mortgage loan.     At that time  Loan Care se nt me letters stating that they wanted to help, they understood, and when I called in their employees acted as if they were genuinely concerned and were ready to work with me to fix this problem. Unfortunately, the exact opposite has occurred. At first I had a single point of contact, but now  LoanCare ha s changed this contact multiple times. My documents are sent and re-sent, then I am told they were never received or misplaced and I need to send them again. I have never actually been reviewed for any assistance options, and I am falling farther behind. I dont know why I have not been considered for any of the FHA programs that I know exist for homeowners who have suffered a true hardship resulting in loss of income.       I am healthy again and working full time and my live in girlfriend works full time as well and contributes all of her income to our household. If LoanCare were to actually take the time to look at our financial information they would see that we qualify for assistance. I know that there are multiple programs available for homeowners with FHA loans -- -modification, partial claim, forbearance agreement or even repayment plan. I want to know why LoanCare has not given me a chance to be considered for any of these programs? I want to know why LoanCare is telling me I have to reinstate my loan in full or I am going to foreclosure. I want to know why my point of contact has been switched multiple times.
This is an avoidable foreclosure, but the longer Loan Care drags it out the further behind I become. I am certain that LoanCare is required to review me for these government programs but so far that has not occurred and I want to report LoanCare to the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have not provided me with the correct information and I have asked to have this removed from my credit as the balances are inaccurate. I have disputed several times and they refuse to take these off my account.
Product: Checking or savings account

I opened a CD with Goldman Sach 's in XXXX of XXXX, and they closed the account on XX/XX/XXXX and did not list a reason. I requested a return of funds 4 times since XX/XX/XXXX and the company has not returned the funds even after closing the account. The last time I called ( XX/XX/XXXX ) they could not locate my funds, and have not returned my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was trying to buy concert tickets for the upcoming Friday 's concert ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone on XXXX was selling tickets, I messaged him, and then I was scammed when I sent him money ( {$90.00} ) over XXXX because he immediately went offline and blocked me afterwards. 

His name on XXXX was XXXX XXXX XXXX -- however, on XXXX, it turns out that his actual name associated with his XXXX account is XXXX XXXX. The email associated with his XXXX account is XXXX Please investigate this.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a late payment associated with a closed account that has been paid in full. This late payment is reported solely on my credit reports from Experian and XXXX. 

The details of the account are as follows : Account Name : XXXX Account Number : XXXX My request is based on the following laws : CFRA ( COVID-19 Financial Relief Act ) : This law provides financial protection and relief during the pandemic, acknowledging the difficulties many consumers face. The inclusion of this late payment does not accurately reflect the exceptional circumstances that may have affected my ability to pay. 

CARES Act : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act includes provisions that protect consumers during the COVID-19 crisis. Since this late payment pertains to a closed account that has been fully paid, I believe its presence on my credit reports is unjust and does not represent my current credit history. 

TILA ( Truth in Lending Act ) : This law requires clear and accurate information regarding credit terms. If I was not provided adequate information or if the pandemic situation affected my ability to meet the terms, I believe this late payment should be reconsidered. 

Given the nature of this account and the mitigating circumstances, I kindly request a thorough review of this case and, if it is determined that the late payment does not accurately reflect my financial situation, that it be removed from my credit reports. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

Applied for SAVE plan with prior service provider then was switched to Mohela. Requested they obtain the information from prior provider which they refused to do so I reapplied and then for the month of XX/XX/2023 they put me in forbearance which I did not request. Customer service wait times are consistently hours long
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX, This Credit Card is over 15 years old and Has already been removed off of my credit report. Bank of America Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.
Product: Debt collection

I have been trying to dispute this debt that I have nothing to do with for the past 5 yrs. I have spoken to the collections company and asked them to verify that the debt is mine, but none was ever sent, all I get is these annoying phone calls from them and it's on my credit report. I would like it removed from my record. If you look at my report I am only acknowledging my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX thats it!. And all of them are in good standing and no problems. I have disputed this debt using XXXX 2 times because when I call the collection company to ask for proof i get nothing. 
I would like to have this debt removed. 
I don't know if this has something to do or done by the same individuals that emptied out my bank account back in 2008 or something I don't recall the date but it's with XXXX XXXX XXXX XXXX XXXX. The bank acknowledge fault and refunded my money because of a breach or leak of information, I am not aware or was informed on how it happened. But since then I closed that account and rarely use my credit card. 

Please Help
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. I am writing to seek assistance and guidance regarding a matter related to the timing of payments on my credit accounts. Under the provisions of 15 U.S. Code 1666b, I believe I may have experienced issues that warrant your attention and intervention.

I hold various credit accounts with different financial institutions, and I have noticed that there have been instances where my payments were credited as late, even though I made the payments well before the due date, in accordance with the terms and conditions of the respective credit agreements. These late payment notations on my credit reports are adversely affecting my credit score and financial standing, which is of great concern to me.

As per 15 U.S. Code 1666b, creditors are required to credit payments as of the date of receipt. I have documentary evidence, such as payment receipts and bank statements, demonstrating that I made timely payments. Despite this, I have faced difficulties in getting the late payment notations corrected on my credit reports. These inaccuracies have had a significant impact on my ability to obtain credit and favorable terms for financial products. 

I kindly request your assistance in investigating and rectifying this matter. Specifically, I am seeking : A review of the credit reporting practices of the institutions involved to ensure compliance with 15 U.S. Code 1666b.

Corrective actions to remove any incorrect late payment notations from my credit reports.

Guidance on how to prevent future occurrences of incorrect late payment notations on my credit reports.

I am attaching copies of the relevant documents, including payment receipts, bank statements, and credit reports, to support my case. I would be grateful for your prompt attention to this matter and any guidance or intervention you can provide.

I understand the importance of maintaining accurate credit information, and I believe that resolving this issue will help me regain my financial stability. I appreciate your help and support in addressing this matter in accordance with the provisions of 15 U.S. Code 1666b.

Please feel free to contact me at the above-mentioned phone number or email address if you require any additional information or clarification.

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue
Product: Debt collection

The company January has started emailing me repeated threats in an attempt to force me to enter into a contract with them.

I have never provided January with my personal and private information including email address, phone, or any information regarding my private credit transactions past or present. 

This is a formal notice of dispute and a cease and desist. I find this very embarrassing and humiliating to be contacted on my work email that are harassing. This is a violation of my consumer rights. Per the Heroes act, I should not be targeted, punished, or have my credit profile negatively affected by an agency who is clearly breaking my right to privacy.
Product: Credit card

Today, XX/XX/XXXX, I called Synchrony Care Credit requesting financial assistance. The representative asked a few questions, and I answered honestly based on my situation as of today. I explained that I'm a XXXX and my last assignment ended XX/XX/XXXX, and before that, I worked part-time during XXXX. 

I explained that I'm currently receiving unemployment, but I'm about to exhaust my savings, and my unemployment will end in XXXX or XXXX. I also explained that the job market has not been great, and this has been the longest I've been out of work since XXXX, but the XXXX quarter job market is steadily increasing, and I have a XXXX job interview on Thursday that is promising, but it is not a guarantee. 

In XXXX or XXXX of this year, I contacted CareCredit to see if I could get an extension to pay off my promotional balance of {$4400.00} of a credit limit of {$5700.00} before the promotion expires on XX/XX/XXXX that will add the deferred interest charge of {$1300.00}. I was given a XXXX grace period to pay by XX/XX/XXXX, but I did not want to exhaust my savings while still unemployed. On XX/XX/2023, the total deferred added to my account was {$1500.00}, which included the 26.99 % rate to the outstanding balance. Since XXXX, I've made a total amount of payments of {$770.00}, and as of today, my current outstanding balance is {$6000.00}. 

The customer rep and her XXXX said I would not qualify for their financial hardship program since I would not have a job when my unemployment ends. It does not matter that I've managed to pay them {$150.00} - {$250.00}. They would rather me continue to pay this full amount or default, go into collections instead of assisting. 

Both stated there's a screening process and other variables involved outside of just being unemployed. I did not meet the pre-screening process of not having a job in XXXX, even though I'm currently receiving unemployment and trying to protect my creditworthiness proactively. They were unwilling to send information regarding their financial hardship program. They said when I default on my bill, I will receive a notification stating my pre-qualification for financial assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on inaccurate information on my credit report and the investigation has taken more that 30 days and still no response.
Product: Checking or savings account

Notice to Agent is Notice to Principal.

Notice to Principal is Notice to Agent.

Silence is acquiescence. Acquiescence is estoppel. 

Re : Unauthorized Transactions [ Account Number : XXXX ] Ref : ( Claim No : XXXX ) On XX/XX/2023 I notified TRUIST of several unauthorized transactions that appeared on my account which caused several overdraft fees to be charged to my account. TRUIST has charged several fraudulent and invalidated overdraft fees to my account. First, on XX/XX/2023 I was incorrectly charged an overdraft fee of {$36.00} for a {$50.00} XXXX XXXX* transaction which brought my account balance to - {$12.00} when my account balance was actually {$73.00} on XX/XX/2023 which means my account balance should have been {$23.00} after the {$50.00} XXXX XXXX* transaction and an overdraft fee should not have been charged to my account. On XX/XX/2023 my account was charged another {$36.00} overdraft fee for an unauthorized transaction of {$37.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged two ( 2 ) overdraft fees of {$36.00} each for one ( 1 ) unauthorized transaction of {$21.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged another overdraft fee of {$36.00} for an unauthorized transaction of {$10.00} from XXXX XXXX XXXX Around XX/XX/2023, I reached out to the merchants to inform them of the unauthorized transactions charged to my account and requested a refund. On XX/XX/2023 I received a refund to my account for the unauthorized transaction from XXXX XXXX for {$21.00} and I haven't heard anything back yet from the other 2 merchants. TRUIST has refused to refund me the two ( 2 ) overdraft fees caused by this unauthorized transaction on XX/XX/2023 from XXXX XXXX  XXXX I received notice from TRUIST on XX/XX/2023 stating they would not refund my account for the unauthorized transactions and the erroneous overdraft fees that were charged to my account. TRUIST has breached their fiduciary responsibility with the servicing of my account and has extorted funds from me for erroneous overdraft fees and unauthorized transactions which is a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.
Product: Vehicle loan or lease

Ive purchased this vehicle of mine from wheels of Chicago inc located on XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Ive been trying to resolve this issues of the company missing up my payment dates since I purchased the vehicle now Im being told by a rep name XXXX he wont be helping me because of the complaints I made as I expressed to XXXX in email the complaints I made were in fact true and the company has not been able to assist me and this is getting out of hand even on there company site views they are terrible people to their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection from XXXX XXXX XXXX, I do not recall doing any business with the following collection agency. Please verify debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can not provide these four things please delete these accounts from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection on the XXXX  XXXX  XXXX XXXX  partial account number XXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of several accounts listed on my credit report, as these accounts are not mine and were added without my authorization. As a victim of human trafficking, I have been subject to identity theft and fraud. The inclusion of these accounts on my credit report has caused significant harm, both personally and financially. In accordance with the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy regarding my personal financial information. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing information about me without my explicit written instructions. The following accounts are erroneous and must be removed from my credit report immediately : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Numbers : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account Numbers : XXXX, XXXX XXXX XXXXI Account Number : XXXX XXXX Account Number : XXXX These accounts were not opened, authorized, or managed by me. Please take immediate action to remove these accounts from my credit report and ensure they are not reflected in future reports. I have attached all necessary documentation, including a copy of my credit report, government-issued ID, and any supporting evidence demonstrating my claims. Thank you for addressing this urgent matter promptly. I request written confirmation once these errors have been resolved. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on the original amount that I owe however, the amount keeps changing and I have still not been provided with any itemization and/or any documentation as to what the additional sum of money owed is for. This false reporting is harming my credit score.
Product: Checking or savings account

I opened an account with Citizens Bank through the internet and used an electronic check to transfer {$3700.00} on XX/XX/XXXX. OnXX/XX/XXXX my other bank ( XXXX XXXX ) confirmed that they cashed the {$3700.00} check ( attached ). OnXX/XX/XXXX I got a letter from Citizens Bank saying the funds would not be available until XX/XX/. Since they had cashed the check and I needed {$1000.00} down payment for a car lease, I went into the bank to complain. They called fraud prevention who ( I later found out ) not only confirmed the hold and refused to budge, but extended the hold until XX/XX/. I called today and they again confirmed the XX/XX/ hold ( remember, this is a hold on cash that belongs to me, it is no longer a check ) and said the matter had been escalated to the office of the chairman of Citizens Bank. I want to get my money back and cancel my account with Citizens. I'm a consultant between contracts right now and if they don't give that money back my family will be destitute. Please help us! Thank you.