23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a debt collection letter from ARstrat regarding a debt owed to XXXX XXXX in the amount of {$560.00}. This debt arises from XXXX XXXX XXXX associated with my XXXX XXXX exam in XXXX. Under my previous insurance provider, XXXX, I was eligible for XXXXXXXX XXXX XXXX per year. Unfortunately, the billing department at XXXX XXXX 's XXXX network used an incorrect medical billing code, causing complications. Despite making numerous calls with both the insurance company representative and myself, we were unable to find a resolution. I attempted to address the issue, but my calls went unanswered. Additionally, when I contacted XXXX XXXX, they directed me to reach out to the billing department at the hospital. This matter is simply a clerical error in billing that could be easily rectified. I kindly request your office 's assistance in resolving this matter. Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

After making multiple calls, it became evident that the information provided by XXXX does not match with my records. Upon further investigation, I discovered that the email address XXXX, which was used during the transaction, was created from my stolen phone. Additionally, XXXX claims that the loans were taken out from both XXXX and XXXX. However, despite my efforts to contact both companies, they have confirmed that there is no record of any loans associated with my account. I have attached the emails for your reference. 
Despite presenting this evidence, XXXX is unwilling to remove the fraudulent loan from my credit history. They insist that I am responsible for the loan, even though it was created using my stolen information.
Product: Debt collection

They sent a letter, making a demand, however, did not specify any details about why they were making this demand, threatened my credit, and included a letter with lots of links that I can select but since I do not trust them, I can go no further incorrect in this issue. 

They claim I owe tolls for driving in Texas. However, I do not own a car, and I never been in Texas. 
XXXX XXXX XXXX, XXXX ACCT # XXXX
Product: Credit card

I XXXX out my Discover card in XXXX XXXX and then accepted their zero % interest for 12 month balance transfer offer. 
XX/XX/XXXX - Interest charged XXXX cents XX/XX/XXXX - Interest charged XXXX cents XX/XX/XXXX - " Minimum '' Interest charged XXXX cents That is not the zero % balance transfer offer I accepted. I realize it's a small amount, but it's not right to charge interest, even " minimum '' interest on a zero percent balance transfer offer. 

I paid {$160.00} for that balance transfer offer of 0 % and to be charged interest on that transaction is deceptive and shows me they're double-dipping. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

My daughter put my deed in her name and they stop receiving my payments and now I'm in foreclosure
Product: Credit reporting

Experian refuses to delete incorrect address ( s ) provided even though their own records are incomplete as to the incorrect address ( s ). I have told Experian I have lived at the same address for 30 years. On my credit report Experian lists my correct address XXXX XXXX XXXX and gives it an id # XXXX, it lists the type of dwelling : Residence. It gives a geography- ical XXXX. Then it goes on to list XXXX other address ( s ) that are n't mine given as Id # XXXX and id # XXXX.They do not list the type of dwelling or give a geographical code to either incorrectly reported address ( s ).
Product: Credit card or prepaid card

Between XXXX XXXX XXXX, all of the money on my Unemployment Debit Card issued by Eppicard from XXXX XXXX XXXX , was fraudulently taken, {$26000.00}. I have been in possession of my card at all times. I have not shared my card or the pin. I only used it twice, both at XXXX XXXX ATM. XXXX XXXX is the bank supporting the card. I did not know about the fraud until I received the XXXX statement. Immediately I contacted XXXX XXXX XXXX and Eppicard. Neither were of any help to recover the money. The process takes a long time, waiting for responses by USPS. I have since made reports with XXXX County Sheriff Department, FBI, and NM Attorney General. Reports are taken, but then there is no follow-up. 
The fraud was used in the US and internationally. 
This money is meant to help my family with food, utilities, and expenses, as the state mandates and pandemic has greatly affected our business. Please help get the money returned. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

i have not recieved any proof of verification on any debt owed on my credit report
Product: Credit reporting or other personal consumer reports

I contacted EdFinancial to let them know that they have an open account erroneously on my credit report which has led me to get higher interest rate on my car loan, higher interest rate on my personal loans, and a higher car insurance rate FOR MORE THAN 2 YEARS!!!!. I previously contacted them and they did nothing about it. 

They are responsible for the 3 credit bureaus showing over {$100000.00} in student loans open in my name, which IS NOT TRUE. Their negligence has been negatively affecting my credit report by over XXXX points!! My lowered credit score has caused other problems like preventing me from getting stable housing ( landlord credit check ), preventing me from getting higher level jobs ( employer credit check ) and has made my already difficult life as a XXXX XXXX  single mother and survivor of XXXX XXXX even more difficult. I would like Ed Financial to pay reparations for the thousands of dollars they have cost me in higher loan rates ( at the bare minimum, the difference between the rates I should have received, and the rates I had to pay ) due to their negligent error.
Product: Credit card

On XXXX XXXX 2016 I visited a restaurant where l signed a receipt for {$820.00}. A few days later I was charged {$1600.00}. I immediately contacted BOA and filled a dispute. on XXXX XXXX, 2016 I received a letter from Bank of America stating that their investigation for the dispute has been completed and that BOA is unable to pursue the charges. Included in their letter they provided with signed copies of receipts which shows only XXXX of the XXXX signatures are mine. I did sign " commitment letter at the establishment agreeing to a {$500.00} charge which later came out to be {$820.00}. However, I do not recognize the other XXXX signatures on the {$1600.00} receipts. 

Please re-open this investigation as requested by consumer.
Product: Mortgage

On XX/XX/2024 I received a letter from Wells Fargo dated XX/XX/2024 indicating that I was illegally enrolled in their Sign/Drive bonus without my consent. Within this letter it contained a number to call to rectify the matter. 

On XX/XX/2024, I called the number provided and requested for information regarding my account along with verification that all unauthorized accounts were closed. I was offered {$50.00} to close the matter, which then increased to {$100.00}, but declined both offers and requested for the information instead. I was then transferred to another department called the Escalation Department. Upon speaking with the Escalation Department representative, I was informed that I would receive a call with 24 hours regarding the information that I had requested. I am still awaiting that phone call. 

On XX/XX/2024 I then wrote to the address provided by Wells Fargo regarding my concerns, along with the information I requested. I also followed up with an email to their company with the same letter. I reiterated my request for information to rectify this situation. However, on XX/XX/2024, I received an email from WfSettlement stating that I contacted the wrong address and department. I am still awaiting for a call from the Escalation Department, the provided mediator, or any other contact from Wells Fargo about my request for information regarding the unauthorized opening of accounts in my name. 

On XX/XX/2024, I received a check for {$120.00} from Wells Fargo along with the Mediation Request form. 

On XX/XX/2024, I then submitted the form provided by Wells Fargo to request for a mediation. On XX/XX/2024, I received a letter from Wells Fargo dated XX/XX/2024 confirming that they received my Mediation Request. I was informed that I would be contacted within 30 days by a mediator. I am still awaiting a call, letter, or email from such mediator. 

On XX/XX/2024, I received a letter from Wells Fargo dated XX/XX/2024 reminding me to deposit or cash their check of {$120.00} that was sent on XX/XX/2024. 

I am asking for support to rectify this matter, and for Wells Fargo to provide me with the information that I am requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remove fraud alerts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from my account.
Product: Credit reporting or other personal consumer reports

XXXX for some reason had my wrong SSN and was not able to update a fair report while my report is XXXX points higher with other companies like XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and ARVCNTRLMTG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and ARVCNTRLMTG with no successful resolution. There was definitely an error on their part.
Product: Mortgage

I applied for a loan modification with Shellpoint Mortgage Co. ( my current mortgage company ). I have been trying to get this loan modification settled for the past 1 1/2 yrs. They kept telling me to send various information & I complied each time. The last time I faxed all my documentation ( on or about XXXX XXXX, XXXX ) and when I did n't hear from Shellpoint Mtg Co, I called them ( on or about XXXX XXXX, XXXX ). I talked with XXXX in the loss mitigation department and he said the process is complete. They made their decision. They denied my loan modification because I was upside down. I owed more than my house was worth. The only option I had was to get current ( {$67000.00} ), Short Sale or Deed in Lieu. He explained all XXXX processes. I was never notified by mail that my loan modification was denied. First letter stated they were looking into other options for my loan, then I received a 2nd letter ( XXXX/XXXX/XXXX ) stated how much I owe to become current & on the back of the letter it indicated I was denied for the loan modification & that I was n't eligible for the Trial Period Plans listed in the letter. I have been switched to several different mortgage company during the 20yrs living in the property. I had a hardship & filed a Chapter XXXX Bankruptcy to pay my mortgage payments, along with the past due payments. I was with XXXX XXXX XXXX at the time I filed bankruptcy. XXXX XXXX, Chapter XXXX Trustee was making payments to XXXX XXXX XXXX. I also tried a loan modification with that company and did n't get anywhere, then they transferred by loan to another mortgage company, then I was transferred once again to Shellpoint Mortgage Company ( who I am with now - and they denied my loan modification ). They never checked the previous mortgage company to see where I was making my mortgage payments to. Shellpoint indicates that my payment was due on XXXX. How can I live in a home for 4 years WITHOUT making a payment. Today ( XXXX/XXXX/XXXX ) I am requesting an appeal, and provide them with Bankruptcy History Payments to XXXX XXXX XXXX so they can reconsider my loan modification, take off ALL those attorney fees, late fees and other fees they have listed because they ASSUMED I had not made a payment since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal or correction of inaccurate reporting related to my Bank of America account. Bank of America reported a negative account status, which I believe to be incorrect based on the following events : On XXXX I made a payment in full, which was confirmed as received by Bank of America. Despite this, the account status was reported inaccurately as a collection. On XXXX, I contacted Bank of America to dispute the error and provided evidence of the payment, including paid of letter. The bank representative confirmed that the payment was correctly applied to my account. Despite repeated follow-ups Bank of America has not corrected the error or updated the account status, resulting in ongoing inaccurate reporting on my credit report. I am requesting that the CFPB help facilitate the removal or update of the inaccurate information, as it is adversely impacting my creditworthiness and financial well-being. The correct status should reflect timely payments and the resolution of the account. Thank you for your attention to this matter. Please let me know if additional documentation is required.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report an egregious violation of my privacy rights and financial security regarding my student loan account. It has come to my attention that XXXX XXXX or an affiliated party has gained unauthorized access to my student loan information, which I did not consent to. This unauthorized access constitutes a direct violation of several federal laws, including : 1. The Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) Requires financial institutions to safeguard consumer financial information. Unauthorized access to my student loan violates these protections.

2. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) Protects the confidentiality of student records, including financial aid and loan information.

3. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Prohibits the unauthorized acquisition of consumer financial data.

4. The Computer Fraud and Abuse Act ( CFAA ) ( 18 U.S.C. 1030 ) Criminalizes unauthorized access to electronic records, including student loan accounts. 

Details of the Violation : I have never authorized XXXX XXXX or any associated party to access my student loan records. 
The unauthorized access violates my privacy rights and puts my financial security at risk. 
I am concerned about potential misuse of my information and demand an immediate investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters via certified mail to XXXX XXXX, Transunion, XXXX  and XXXX  regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from TransUnion, XXXX  and XXXX. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on TransUnion the last pay listed as XX/XX/XXXX. Same account via XXXX  last pay listed as XX/XX/XXXX. And XXXX  last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX  updated payment history on XX/XX/XXXX and TransUnion on XX/XX/XXXX with 20+ late payments as well as XXXX  dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX  behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, Transunion, XXXX  and XXXX  remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Product: Vehicle loan or lease

Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting

I am trying to dispute information on my credit report with TransUnion but they are not asking for my documentation. TransUnion investigation results are listed this is a joint account verified, NO change. This company is collecting for XXXX at XXXX XXXX apartments, whose management company is XXXX XXXX XXXX, who have done nothing but lose payments and over charge residence at this property.
Product: Debt collection

I have been bombarded with constant calls by Portfolio Recovery. They have been calling me every single day for years now trying to collect a credit card debt in the amount of approximately {$1200.00}. My debt is XXXX years old, dating back to XXXX. I finally got tired of the constant calls and answered on XX/XX/XXXX to tell them to stop the harassment on a debt that is void at this point. The call lasted for 4 minutes and the representative had no regard for my request and continued to tell me that they could call me and continue to try to collect. The debt is off my credit report and it is past the statute of limitations to take action upon this debt. They continue to call me and have started to call me multiple times every single day, including weekends.
Product: Checking or savings account

I have valid properly notorized Power of Attorney Documents for my mother Virginia XXXX and Bank of America is violating the law in not honoring the document. BOA will not allow me to speak to someone directly about the decline and only wrote me a letter saying falsely that the document was altered and invalid. However the Power of Attorney office won't talk to me directly to explain the situation.
Product: Credit reporting or other personal consumer reports

I have been dealing with reporting inaccurate information, different socials, accounts not mine, accounts with balances that were included in a XXXX XXXX bankruptcy, credit reporting sending me requests for my id and sending it with no response back, them saying they verified accounts with no proof and nothing legal no required federal proof or documentation. Now they have XXXX XXXXXXXX showing as NEW accounts that were closed years ago in a bankruptcy that was found opened fraudulent through the data breech!
Product: Student loan

I have been in forbearance since XX/XX/2017. I was applying for the income based payment program. The monthly payment was {$890.00}. I could not afford to make that payment on a monthly basis. I am the only one in the house that works. My wife lost her job last year in XX/XX/2017. So I was looking for alternatives that could reduce my monthly payments, at least until she finds a job. 

In late XX/XX/2017, NAVIENT had considered my student loan 90 days late and reported to the credit bureau. How can you be in forbearance and expected to make a loan payment of {$890.00}? This inaccurate information destroyed my credit. I would have not left the loan unattended at all. I have been in constant contact with NAVIENT regarding my loan. NAVIENT agreed to grant me a forbearance and then reported that the loan was 90 days late.Even though the NAVIENT website shows that the loan is current and up to date, it is still marked late on the credit report. So I expect them to honor the agreement rectify the error EFFECTIVE IMMEDIATELY! By removing the 90 days late status.