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

XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

threatened a state guy would charge me. Called several times after I asked them not to. Calls made after XXXX XXXX. Threatened to sue me, said I would have to pay more fees to attorney. Refused to send me verification the debt is mine.
Product: Mortgage

I asked to see if they are willing to delay the foreclosure, we have an active contract to sell the house with a closing date of XX/XX/XXXX. I also asked if we do a short sale can we have it delayed so the home can be marketed, they said that they won't even review it.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX and XXXX Is continually reporting false information ony credit report. These XXXX reporting is not my debt I have disputes these accounts several times and they are still showing up on my credit report it have been over 30 days and they still there. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these belong to me I have never had account with these company neither owe them money. This is fraud.
Product: Credit reporting or other personal consumer reports

My identity was stolen Im XXXX and its ruining my future
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian received my claim, which they disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report because these accounts are not mine. 

The accounts that are incorrectly reported are the following : 1 ) XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX. 

2 ) XXXX XXXX ACCOUNT # XXXX, Date Opened : XX/XX/XXXX.
Product: Mortgage

I requested an extension on my COVID-19 forbearance plan on my FHA Mortgage from PHH Mortgage. 

On XX/XX/XXXX XXXX PHH Mortgage responded " Dear XXXX XXXX Please be advised we are unable to enroll the account under the Temporary Hardship Forbearance Payment Plan as the account is in foreclosure. '' I have copied and pasted from the Department of Housing letter issued XXXX XX/XX/XXXX. 
The U. S. Department of Housing and Urban Development Mortgagee Letter XX/XX/XXXX states " Moratorium on Foreclosures and Evictions and Extension of Deadlines FHA-insured Single Family mortgages, excluding vacant or abandoned properties, are subject to an extension to the moratorium on foreclosure through XX/XX/XXXX. The moratorium applies to the initiation of foreclosures and to foreclosures in process. ''
Product: Debt collection

JH CX Liquidating Trust, represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO has sued me for credit card debt that is more than XXXX years old. The debt was incurred prior to XXXX, XXXX, and we have 2 scheduled court dates for XXXX and XX/XX/XXXX. 

I have had no contact with any person or company in regard to this debt since early XXXX have never been contacted by JH CX Liquidating Trust.
Product: Debt collection

I receive a call from a representative from ar concepts in relation to a medical bill from 2 years ago that I was unaware of as I only went to the practice once. I asked for validation of the debt to be sent to me in writing, I was refused. And told to contact the original debtor. The agent was extremely rude and pressuring. I asked to not be contacted by telephone for this matter and asked verbal to cease and desist all calls and to only contact me by mail. I disconnected the call. And was immediately called back by the same representative and told that he can continue to call me that he would be reporting to my credit threatening damage to my credit report, as well as threathening to file law suit against me. After calling the original debtor I was told they can not speak to me in the matter as at concepts now owns the debt but the debt is resulting from incorrect billing in the first place of which I did not receive notice of as they had the wrong address.
Product: Credit reporting

XXXX XXXX XXXX must be removed from my report.I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started texting landlines. Texts did not go thru on landlines. XXXX XXXX charged me {$290.00} for texting landlines which could not would not go thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my complaints # XXXX, XXXX, and XXXX that I submitted on XX/XX/XXXX was closed when I checked it. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I, XXXX XXXX, wired XXXX $ ( FROM XXXX XXXX XXXX XXXX CHECKING XXXX ) to my friend XXXX XXXX XXXX, which has the following Checking Bank Account Number ( XXXX ) at Wells Fargo XXXX and it should have been received In her account by XX/XX/XXXX, the receiving bank never added the money to XXXX XXXX XXXX account. 

Upon further inquiry on her side, she was told nothing was sent or pending. On XX/XX/XXXX, i contacted XXXX XXXXXXXX XXXX, and was told that the wire was on hold pending a security questionnaire ( which the recipient was never notified about ), and so i immediately told my bank to recall the wire transfer on XXXX of XXXX, and since then Wells Fargo has not released the funds to the recipient, nor did they notify the recipient in any way, and on XX/XX/XXXX XXXX XXXX XXXX informed me that they have not gotten a response from Wells Fargo on the matter. 

The wire transfer confirmation number is XXXX And, this matter is highly inappropriate, not only did they not release the funds, but they did not notify the recipient.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquires, listed as - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cbna- XXXX ( XXXX  ) - Citibank ( Best Buy ) - XXXX XXXX
Product: Payday loan, title loan, or personal loan

Dividend finance online system is faulty. I setup ACH payments. For some reason the XXXX payment shows past due for XXXX days even though I got a text message confirming that they received the payment and the payment history online shows that they received the payment. But now they are asking for another payment. I am not sure why they want a second payment for this month if they already received. The customer service rep lied and said I have always been XXXX month behind and have been playing catch up which is not true because I check my payment history since the beginning of the loan. After telling him that they are saying the bank returned the payment. I am looking at my bank history online and there are no returned payments. I would like the fees to be taken off my account and for them to remove any derogatory credit reporting as I have automatic payment and ample funds in my account. If they didn't process the payment that is on them, they have my permission to do so. I just made a one-time payment online and it says it is in process but I should've never had to make a second payment in the first place. The payment should have been processed via ACH the first time. The rep on the phone wanted my debit card number, something doesn't seem right about this whole scenario. The representative lied to me and now wants my debit card number???
Product: Mortgage

I worked at length in effort to save my XXXX  mortgage was sold at least 3 times amidst my attempts to obtain modifications and once close to approval the sale reset my process. My understanding is loans cant be sold like this and still collect from me. Please assist. I lost my home and was made to move amidst the pandemic with a XXXX  child. Im still having difficulty as consequence of this. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was making a purchase for prescription eyeglasses and the doctor charged my account for 5 different frames. 
I asked for only 2 from for daily wear I was only refunded by my bank one time of {$370.00} after chase reviewed the second charge of {$300.00} for another frame. 
I never purchased a third or forth frame. So chase place {$300.00} back on my checking account for a none of the eyewear I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry : XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Checking or savings account

I have been having banking, and credit card issue with Bank of America. I have spent hours on the phone correcting their error and they continue to Harass and cause me hours upon hours of phone calls to them just to find out a Bank of America employee has been doing the damage to my account etc. 

They took it upon themselves to say my credit card was in fraud status. Yet it was confirmed last month per my phone call that I made the transaction according to the BOA employee I spoke with. Yet again another credit card was sent out because of their internal disgruntled employee employed at BOA causing me time and harassment. 
This has been now for well over a month of phone calls to BOA to correct their errors and yet again, I attached a letter to indicate what has been going on since the US government does not do anything about consumer fraud and harassment to its US citizens. 

This should be brought to the XXXX 's attention as they tamper with banking security along with customer fraud. 

XX/XX/2023 XXXX XXXX XXXX Fee View/Edit Bank Charge XXXX {$3.00} This is the most active US consumer fraud and harassment I am experiencing. 
This is BOA deceptive practices and fraud to the elderly to start.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX  credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and Equifax stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Product: Money transfer, virtual currency, or money service

I am feeling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ). Specifically, cash app bill to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electric funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

DISPUTED ACCOUNT AND COMPANY VIOLATED MULTIPLE LAWS Accuracy of Reporting ( Section 623 ) Obligation to Report Accurately : Creditors and debt collectors must report accurate information to credit reporting agencies. If an account has been charged off, it should be reported as such, and any remaining balance due should be accurately reflected. 
Updating Information : Under Section 623 ( a ) ( 2 ) of the FCRA, a creditor must correct any inaccuracies or incomplete information. If the account was charged off in XX/XX/XXXX, but the balance due is still being updated, THIS indicates inaccurate reporting. BALANCED UPDATED {$540.00} AS OF XX/XX/XXXX XXXX. Duty to Update ( Section 623 ) Account Status Updates : If an account is reported as charged off, the creditor is required to update the account status accordingly. The FCRA requires that if new information about the debt becomes available, it must be reported accurately and promptly. If the account is still being updated with a balance due, THIS suggest that the account status is not being accurately maintained. ACCOUNT REPORTED CHARGED OFF XXXX 3. Information Retention ( Section 605 ) Reporting Period : Negative information, including charge-offs, can remain on a credit report for up to seven years from the date of the original delinquency. However, once the account is charged off, it should no longer show ongoing balances or statuses that do not reflect the charge-off accurately. ACCOUNT STILL SHOWING BALANCE 4. Disputes and Consumer Rights ( Section 611 ) Dispute Process : You have the right to dispute any inaccurate information on your credit report. If an account is incorrectly updated as having a balance due despite being charged off, you can file a dispute with the credit reporting agencies. The agencies must investigate the dispute and correct any inaccuracies. 
REMOVE THIS OFF MY CREDIT REPORT DUE TO MISUSE OF REPORT AND VIOLATION OF MULTIPLE LAWS
Product: Checking or savings account

I read with great interest and excitement your filing against Capital One XXXX XXXXXXXX Account interest rates. XXXX XXXX XXXXXXXX I learned about a year ago that my account, which I opened as an ING Savings account in XXXX was not earning the interest that I thought it was, and eventually concluded that the solution was to open a new account and transfer my money from XXXX XXXX XXXX. The money in this particular savings account was a small windfall -- some proceeds from the sale of my grandparents home after they died -- and in XXXX earned about {$2000.00} in interest. In XXXX, XXXX, XXXX, and XXXX, this account earned about {$150.00} each year or {$600.00} total. ( I'm looking at my old XXXX on the bank 's website here. ) I know that the interest rates climbed during this period, and I also know that this is not make-or-break sums of money for my family, but still, it would have been so much nicer if I earned that money, like the ads I saw on TV suggested I was, rather than Capital One just keeping it for themselves. ( Actually, my assumption was that Capital One wanted to show off how many NEW accounts they had opened and so they were forcing people to start new accounts, I didn't realize I was being so deceived, as your complaint suggests. ) I also know that realistically, I'm never going to see that money that I earned, and so this message is my only reward. 

So I'll just say THANK YOU for fighting to regular people like me, and keep working hard each day to protect the XXXX XXXX  of our country. I'm so proud of the work that you.
Product: Mortgage

Nationstar Mortgage ( dba Mr. Cooper ) has applied bankruptcy post-petition payments as pre-petition payments. Currently, the mortgage provider has not handled this matter in a manner that can be explained by any attorney review. By Mr. Cooper 's owner transaction history ledgers, they are clearly placing post-petition mortgage payment as pre-petition payments. All arrearage payments are made thru Chapter XXXX trustee, Mr. Cooper is aware of this. By reviewing the ledger, it is clear appearance that the mortgage provider has made some accounting errors. 

Mortgage provider supposedly refinanced ( thru " No cash loan '' ) this mortgage in XX/XX/2016 but this is not accurate because I had filed Chapter XXXX bankruptcy in XX/XX/XXXX of that year ( 3-4 months earlier ).
Product: Student loan

I had my initial loan with XXXX and used the income based repayment plan. No issues. Then in 2015 it was sold to Navient and I have had nothing but issues. I have been trying for months to apply for a IBR as I have to do this yearly. I originally filed my W2 and an application as I was told that would be fine. I submitted this in the end of XXXX, however Navient claims they did n't receive it until XX/XX/XXXX. They also state they only accept that form until XXXX. But nowhere does it state that, nor was I ever told this in my phone calls with them. So, in mid XXXX I received 2 letters in the mail on the same date. One stating it was too early to apply for my IBR plan, and the 2nd saying it was time to apply for my IBR plan. I sent everything in a second time only to be told then that the W2 was no longer acceptable, and to please send in a copy of my pay stub. I did this right away, and now have received a notice that THIS is also not an acceptable form to show my income. I 've sent an email to their advocacy department and explained I am trying dilligently to make my payments, and set up a repayment plan, however I am getting jerked around and it feels like they 're doing this in order to make me pay more interest. Today I got a response via email saying there was something I had to log into to read and I never got that. I feel like I am getting nowhere with this company and my only option is to consolidate my loans and have them moved to another lender. This may result in me paying a higher interest. I have made faithful attempts to work with them and ask questions, only to not get the right information.