23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Mortgage

BEEN FAXING SINCE XXXX SEE PROOF! XXXX XXXX IS LOSS MITIGATION SPECIALIST XXXX DIRECT NUMBER WAS ON THE SO CALLED FOREBEARANCE DIDNT TELL ME THAT I HAD TO PAY BACK! FAXED IN MODIFICATION THEN SAID PAYMENT NOT DROPPING BUT DONT CARE IF THE SAME RATE AND PAYMENT CANT AFFORD 12 MONTHS PAST DUE! THEN XXXX XXXX SAID MAKE 1 PAYMENT WILL PUT REST AT BACK END OF LOAN! NO ONE KNOW WHAT IM TALKING ABOUT SHE NEVER PICKS UP THE PHONE! COMPANY IS THE WORST.!
Product: Credit card or prepaid card

I had back XXXX in 2015 and could not work, received temporary XXXX, a small percentage of my income. I used two credit cards to survive and always made my payments on time. I am back to work and paid off the two amounts on time, same day to pay was the XXXX of the month. XXXX XXXX was excellent, no issues. Capital One received my balance in full as they advertised on the XXXX and by today the XXXX created a XXXX charge, pure interest. This is unfair since I paid what I was told would bring my balance to zero before time, their app literally showed XXXX balance for a week. Capital one employees did not know how to justify their ghost charge, cycles no where else mentioned and will not remove them, thou they were directly asked to remove them.I believe They must clearly state at the pay off page online that balance may be incomplete in order for their action to comply with Fair trading ... I refuse to pay for a charge Capital One adds at will after they received my balance in full. I feel scammed now that I may end up with a bad reference in my credit.
Product: Mortgage

In XXXX of 2021 I submitted written requests to Select Portfolio Servicing ( SPS ) requesting a Forbearance Extension ; due to still being medically and financially impacted by the COVID-19 Pandemic. 

On XX/XX/2021 I received a COVID-19 Decision Notice/Assistance Letter ( attached ) from SPS in response to my written requests and document submissions for a COVID-19 Forbearance Extension. Upon reviewing the letter, the letter states that I had been approved for a Forbearance Plan, but lists a Trial Payment Plan Payments for the following months : Payment 1 - XX/XX/2021 : {$770.00} Payment 2 - XX/XX/2021 : {$770.00} Payment 3 - XX/XX/2021 : {$770.00} It is my understanding that under a COVID-19 Forbearance and/or a COVID-19 Forbearance Extension, that the entire monthly payments are to be paused in their entirety while under a Forbearance and/or a Forbearance Extension.

Here, SPS approves me for a Forbearance, but assigns a Trial Payment Plan ( Partial Payments ) for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

As a result of being confused with the Forbearance Extension being assigned as a Trial Payment Plan with partial payments ; I contacted SPS by telephone and spoke to a representative who told me that the Forbearance with the Trial Plan Payments was the only assistance being offered by SPS. 

I explained to the representative that there must be a mistake and that I specifically requested and submitted the required documentation for a COVID-19 Forbearance Extension from the SPS Website, and what was offered to me by SPS was more of a Partial Payment Deferral Plan and not a COVID-19 Forbearance Extension ; which pauses the entire monthly payments for a specified period of time. 

The SPS Representative stated that the Trial Period Plan was all that was being offered, and stated that there was no other assistance that was being offered by SPS. I then asked the representative to escalate the matter to a Supervisor/Assistance Program Department to discuss the matter further and was told that a Supervisor was not available at that time, but a Supervisor would call me back within 24 hours.

At that time ; I asked the representative to have someone of authority in the Assistance Program Department to contact me back as soon as possible. As of today ; I have not been contacted by telephone, mail, nor the SPS Online Messaging System by a Supervisor or anyone from the Assistance Program Department to explain the Forbearance with Trial Plan Payments ; which is not an actual Forbearance Extension as I had requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some inquiries that appear incorrect. I ALSO FOUND TONS OF INACCURATE INQUIRIES ON THE CREDIT REPORT. As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE INQUIRIES DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE INQUIRIES THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! ALSO I ATTACHED ACCOUNTS THAT WERE REMOVED BY XXXX THAT NEEDS TO BE REMOVED ON YOUR END. 

XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit score with Experian has gone down over 10 points with no explanation or no new inquiries on my report.
Product: Debt collection

Security Finance in XXXX NM. keeps calling everyday after we go and tell them we will be on a certain day and come out to the house to collect. We try to pay as much as we can and explain to them that when the money is there, we will pay the weekly/ monthly rate when we can. Do to the lack of money coming in from not having a job and recently starting a job, we do the best we can.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mix up of a account that has been placed on my credit profile by Infiniti Financial Services on XX/XX/2020 .Stating that there is a late payment which wasn't. My vehicle was in a accident and was paid off by the insurance policy XX/XX/XXXXinsurance. My account was paid in Full and there is a {$0.00} balance or any late payments at all. This is not a Derogatory account.
Product: Mortgage

Hello, I received a letter from my bank with increasing in my escrow with amount about {$35.00} which may be reasonable but still need a prove and more information and which item in escrow increased the tax or insurance although my neighbors in the same country have not received any notification The second dummy and unreasonable increase under name of just shortage is amount of {$50.00}.
Product: Debt collection

I received a letter from Mercantile Adjustment Bureau LLC, claimiming that they were collecting a debt for XXXXXXXX XXXX  XXXX for XXXX. I first called the the number on the letter and could only get transferred to voicemail. They were unable to speak with me personally. Next I called XXXX XXXX to see if I had an outstanding debt. The person I spoke with did some research and was unable to find any outstanding debt. She seemed to think that this was a fishing scheme. I also checked my credit report for open and closed accounts. I was unable to find any type of account. Also I never had an account with XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Bank of America reported my account delinquent to the credit reporting agencies. I settled my account with BofA that year and paid my account per the settlement. According to FCRA, BofA and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with BofA and I am continually told that they are reporting correctly. When I called BofA on XX/XX/XXXX a BofA rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX  contacts BofA, BofA tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from BofA and XXXX. This is also happening with XXXX 's XXXX ( credit card now through XXXX Bank was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my complaint is in regards to my Transunion Credit Report #  XXXX . I accidently sent Transunion an original docume nt ( Ban kruptcy #  XXXX  ), currently reporting on my Credit Report.   XXXX  I sent the document in  XXXX   2017 . The remaining information is in the uploaded document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

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

On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) submitted a complaint with the Consumer Financial Protection Bureau ( hereinafter " CFPB '' ), that generated Case Number : XXXX. 
Go to First Attachment. 
On page XXXX from the First Attachment, Bank of America , National Association ( hereinafter " Debt Collector '' ) admits to selling a Debt sold on XXXX XXXX, XXXX. 
Go to page XXXX from the First Attachment, where it is highlighted in fluorescent yellow. 
The Debt Collector has never mailed, shipped, or gave the Consumer any correspondence letter, nor notice, constructive notice on who specifically the Debt Collector sold the Debt too??? 
Its approximately 6 months later, and the Debt Collector has not given the Consumer any indication on who the new Debt Buyer is, nor how much specifically did the Debt Buyer purchase the Debt for? 
What is even more bizarre, confusing, and twisted is the Debt Collector is still attempting to collect on a debt that the Consumer does not owe, still attempting to steal what belongs to the Consumer, scheduling foreclosure sales for the last couple of years, only to cancel them at the last minute, and if the Debt Collector really sold the Debt like it admitted in the First Attachment, then why did it schedule, and attempt, and have a representative named XXXX show up on behalf of the Debt Collector, and attempt to bid at an attempted foreclosure sale, dated Tuesday, XXXX XXXX, XXXX at XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX, XXXX, Hawaii? 
Go to Second Attachment.
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 information, accounts and inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these itemc from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} 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 XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Bank USA N.A., Account number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfers

I am a small business trying to transfer money to a contractor in XXXX that translated our website to from English to XXXX. Western Union had put my transfer on hold 3 times before approving it, withdrawing the money from my account, and telling me that the transaction would go through on XXXX XXXX ( today ). I got another message that the transaction is on hold and that they need a copy of the recievers photo ID. I decided this was too much of a hassle and tried to cancel the transaction only to be told I still need a copy of the recievers photo ID before they 'll refund the money to MY account.
Product: Student loan

Navient is contacting estranged members of family that are not on the loan in violation of FCRA, and after I emailed and sent by mail a certified copy of the cease and desist of communication ( Navient rejected it and it was returned to sender ). I spoke with a lawyer and they have confirmed that Navient violated the law when they contacted my extended family. I have already communicated with them, that due to our current economic situation that I am unable to pay due to my wife loosing her job and I will resume payments when she finds work. I have repeatedly requested communication by email and/or mail due to hearing difficulties and difficulties with verbal communication from time to time to which they have ignored. I can provide full documentation as well as evidence that Navient has been contacting family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX XXXX XXXXXXXX {$360.00} RXXXX XXXX CORP-unavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX National Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  Specialty - Shoe, Hat, Etc. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit card and XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App. numerous times and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.
Product: Credit card

I made several attempts resolving this fraudulent account, which has haunted me for 6 1/2 years. I was XXXX  at time account was open, which I provided documentation. Capital One rep was very rude several years ago. Capital One rep stated card was sent to address on credit report and that I am responsible. I explain at time card was sent I was XXXX  and that between my 3 roommates one of them applied for credit in my name. Even though I could not prove who committed the crime, nor could I get in contact with these three individuals. Therefore I filed the police report, which I felt that would give me some closure since I had proof I was XXXX  and provided a police report, plus I filed a identity claim with the FTC. 

I hope I can get closure to closed this account out and finally delete this account from there data so that I can move forward. Enough is enough they keep deny the claim even though I provided the proof that I was XXXX.
Product: Student loan

Nelnet has the wrong " loan origination '' date on my loans. 

My " loans origination date '' is only from XXXX. 

Nelnet states my " loan origination date '' is XXXX 

" Loan origination date '' is defined by the US department of education s " the date the funds were distributed from the Federal government to the school directly or the student ''. 

The loans originated XXXX. NOT XXXX 

Please correct the misinformation.