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

XXXX XXXX, XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection Account Name : Collection Account at XXXX XXXX under the account number XXXX Credit Card with XXXX XXXX XXXX XXXX  XXXX XXXX under the account number : XXXX A credit card with XXXX  XXXX under the account number : XXXX Installment loan with XXXX XXXX XXXX under the account number : XXXX Installment account XXXX/ XXXX under the Account Number XXXX XXXX Credit Card with XXXX XXXXXXXX under the Account Number : XXXX An auto loan with XXXX XXXX under the Account Number : XXXX XXXX Loan with Regional AC under the account Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was granted a forebearance due to being affected by COVID ( loss of income and loss of a family member ). When the forebearance ended, my XXXX appeal was still pending from initially being denied and I was in an active bankruptcy. I asked my mortgage company for any type of assitance or a modification. I was sent paperwork to do a partial claim and a modification, but the monthly payments would increase HIGHER than what they were, the interest rate would increase, and they wanted me to START over with a 30 year mortgage. I spoke to my bankruptcy attorney and he advised me NOT to agrre to those terms, as my home is in need or major repairs! He told me to " View my home as if it was my 1st time buying it, and determine if it was worth the {$200000.00} + that the mortgage company was modifying the loan for ( which was HIGHER than my initial purchase in XX/XX/XXXX ). '' I did not agree to the 1st solution Mr Cooper offered and they said they understaood and would revise the payment and send me some new documents. After a few months, I got another modification and partial claim. STILL with the SAME terms as before! However, I had also applied for mortgage assistance with Mortgage Assistance of Alabama ( where they stated they would pay up to {$50000.00} ) of my loan. I asked Mr Cooper if they could put the extra $ XXXX on the back end of my mortgage, so I could qualify for the guaranteed grant of {$50000.00} and I was told no. As a result, Mortgage Assistance of Alabama denied my assistance because they said I could not be behind over {$50000.00} and Mr Cooper reported to them that I was behind over {$78000.00} ( although my statement showed {$60000.00} ). The time frame of each company overlapped, and I had to reapply for another modication. Mr Cooper just sent me the loan modification papers XX/XX/XXXX and stated I need to contact them by XX/XX/XXXX or foreclosure proceedings will start, and my 1st trial payment is due by XX/XX/XXXX. The monthly payment is a little higher ( from {$1300.00} to {$1500.00} ), but they are STILL forcing me to change my loan from 21 years back to 30 years, and from 4.25 % to 6.625 % interest rate. They have added THEIR attorney fees and several inspection fees to my mortgage that I was unaware of. This seems like PREDATORY lending and/or price gauging, and is not assistance for Pandemic Relief after XXXX!
Product: Debt collection

Dear Sir : The debt collector is fraudulently attempting to collect debts ( which have been cleared in bankruptcy in XXXX 2013 ) by bundling old debt with a new debt collection request. 

My insurance company ( XXXX ) is supposed to pay the charges indicated for certain services in the amount of {$100.00}, {$40.00}, {$120.00}, {$120.00} as the deductible has been met. Although these debts may finally be mine to pay once the issue with XXXX is worked out, the American Medical Collection Agency ( AMCA ) has included another old debt I believe of {$1700.00} which has no relation to the client ( XXXX ) that they are collecting a claim for and is demanding that I pay it as part of this settlement. AMCA provides no detail about this dent other than " Other Accounts '' and threatens me with a letter with this wording " YOU ARE HEREBY NOTIFIED BY LAW THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS ''. 

This is a highly insidious way of attempting to collect a debt which has been wiped out in bankruptcy by including it with more recent debt that is still under negotiation with my insurance company. 

I request your help in stopping such insidious efforts by this debt collector and a notice to them not to touch my credit report in any manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan with XXXX that appears on the credit is open, paid, due to pendancy of pre-approved mortgage modification application.
Product: Mortgage

Suntrust bought my mortgage from another lender earlier this year. I set up online, automatic mortgage payments, but Suntrust failed to process my last payment and notified me via postal mail that my payment was late. This mail arrived after they charged me a late fee. I submitted a complaint with Suntrust and am submitting a complaint here. 

Prior to this incident, I had called Suntrust several times to resolve problems with their poorly designed online payment system, which had previously prevented me from submitting automatic payments. During those prior months, I paid my mortgage via their phone system. Further, Suntrust claims they did not have my email on record despite having submitted this information to them. Suntrust also claims they did not process an automatic payment because a checking account number had additional numbers appended to it. This doesn't make any sense. Suntrust has successfully processed payments from this same checking account before. Finally, Suntrust indicated that their internal complaint process does not result in any responses to customers.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several listed accounts contain inaccuracies regarding reporting, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i pulled what little info i was allowed to access on my credit report only to find that there is incorrectly reported payment records on my credit reports i have tried calling to have the information corrected but was denied. even after my denal i tried to send a debt validation letter to the debt collectors but to no avail. this is a violation of several us codes of title 15. 15 usc 1692 false and misleading representations, 1692f unfair practices 1692g validation of debts, 1681e ( b ) accuracy of reports, 1681i disputes, 1681s-2 responsibilities of furnishers of information, 12 usc 5531 consumer financial protection act, the following codes apply and i wish to exorcise 15 usc 1681n & 1681o- civil liability, 15 usc 1692K civil liability
Product: Credit card

we had a chase bank credit card i thought this card was paid off back approx XX/XX/XXXX its now XX/XX/XXXX and XXXX service files a garnishment against me, i called them and XXXX said it already done and hung up on me that was XXXX at XXXX XXXX
Product: Checking or savings account

I recently lost part of my income and as a result I was charged an enormous amount of overdraft fees. Some that were charged repeatedly for the same ACH hold. I was unaware that you can receive multiple charges if the merchant decides to withdraw again. I have called Navy Federal Credit Union in hopes to dispute. However, the are not willing to review and comply. I feel that the terms of my membership has been breached.
Product: Debt collection

Date not sure but the year was XXXX XXXX XXXX XXXX was notified that there was merchandise stolen from the lobby and they said nothing can be done about it I did speak to XXXX XXXX  and was advised that they would handle it which they did and now in XXXX while trying to consolidate my credit cards and this open up and I did check the XXXX credit bureau and this didnt appear on my reports I contacted the collection agency several times and they said they would tell XXXX XXXX  what happened for the last several years I am paying child support and my employer sent several letters to them and the collection agency was very uncooperative threatening me with the XXXX  and said there was a court judgment which I had no knowledge of it if I did I would have appeared in court please help I can use some guidance with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint to have my issue addressed regarding mortgage payments through USAA XXXX XXXX that are not showing on all three credit reporting agencies. All three agencies are still only showing XXXX and XXXX payments being made to USAA XXXX XXXX which is incorrect. There are payments that are still not reported which are in turn diminishing my XXXX XXXX and credit in general. I have also asked now a third time that USAA XXXX XXXX reestablish my XXXX score which has diminished due to them not reporting payments that I have cashed checks signed by their company. Once again, I am only seeing XXXX and XXXX XXXX reported. There are other payments that have still not been reported by USAA XXXX XXXX XXXX. I need all payments as they have on XXXX file that have been received by their customer. Me. I also need my XXXX XXXX reinstated as was told by another bank in which they stated USAA XXXX can yes, very well reinstate your credit to all XXXX credit bureaus.
Product: Credit card or prepaid card

XX/XX/19 fraudulent charge from copy-cat website out of XXXX for {$88.00} XXXX ( purchase info input at XXXX XXXX, now known to be a fraudulent website ). Purchase was supposed to be from XXXX for {$82.00}, a US based company not XXXX. 100 % fraudulent charge, no legitimate purchase confirmation or shipping information as of XX/XX/19. XX/XX/19 talked to a security/fraud supervisor and general customer service supervisor trying to dispute. They wont pursue fraud dispute until I wait 2-3 weeks to see if I get the fake merchandise. A simple web search revealed it was a fraudulent website but Chase wouldnt do anything about it. They would not elevate my concern above a first level supervisor. Chase did not follow through with their 100 % no liability for fraudulent charges claim. They are committing fraud and false advertising.
Product: Student loan

The last time I spoke with A Navient rep, I informed them that I was involved with the XXXX XXXX lawsuit and received a settlement. I also received a notice telling me my student loans with XXXX XXXX were discharged and that I don't have to do anything else. The rep told me it was federal, and this loan with Navient was private, and I was still responsible for paying. I told him about the discharge I applied for and the lawsuit again ; he said they didn't receive any legal notice or documentation about the suit and my discharge. I asked if there was someone else to speak to, but he just kept saying you have to pay. I didn't understand and asked if he could follow up with the department of Education about this and I could send him my notice. I mentioned that they should look into this because it affects millions of XXXX XXXX who I'm sure were involved. I assume they haven't done that because they continue calling me and my family, trying to collect from me and sending notices threatening default, but no one is helping me get more information. I don't know what else to do to get this resolved. I don't remember who the lawyers are on the case. I have been receiving notices about the discharge, so I'm not sure why Navient hasn't been notified. Can you please help or direct me to someone who can? I also need more info on the case and how this lawsuit impacts my student loans, federal and private, with XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I opened my account at BB & T and I made about 3 deposits and now as it is XX/XX/XXXX I have about 3 to 4 overdraft fees up to {$180.00} dollar and I don't know why.I would like this issue resolved.

Thanks
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks. but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently as a XXXX. My email linked to my PayPal is " XXXX ".
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
-XXXX XXXX XXXX  {$1000.00} - XXXX XXXX {$930.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX {$75.00}
Product: Debt collection

I called  XXXX  and try to find out why my bill was {$1700.00}, and   XXXX   XXXX   finance department stated the account is with an outside agency then transferred me to RPM ( Receivable Performance Management ). I tried to explain my situation to the first agent at RPM, she discontinued the call. I tried again, it was discontinued and the third time it was transferred to the escalation department.
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The RPM escalation department agent then gave me two options, dispute the balance immediately or request for a detailed bill from   XXXX   which will be sent to RPM to review then she 'll get in touch with me. She stated it will take about 30 days for RPM to receive the detailed bill from  XXXX . If I decided to dispute the balance now, then she could go ahead and do that. But, after the dispute she 'll need a bill to review the items I am disputing ( which does n't make any sense to dispute now if she needs a detailed bill from  XXXX  to begin with. ) While talking about these options, the agent told me I have 89 days until they put this on my credit bureau and ruin my credit. A reminder this 89 days is counting down while   XXXX   and RPM figuring out their processing of receiving and sending the detailed bill.
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I tried to ask why that is and the agent told me there is nothing I can do about it. Then stated she 'll start with the dispute now. She stated there 's nothing I can do about it as if I do n't know my rights. She also suggested I pay the bill now and dispute the bill items later, which I think is ridiculous because the bill is not yet verified.
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Furthermore, RPM never once sent me a letter at my house which they claimed to have done. I asked if they could send me a letter again, they said they already have sent it and will not send it again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 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. Furthermore, this credit reporting agency ( Experian ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as XXXX late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax 's website it very clearly states that if you're shopping around for the same loan within 14 to 45 day period the different inquieries should only count as one inquirery. I have 3 inquieries that were all for an auto loan that were done within a 14 day period that are being counted as 3 different inquireries when, as stated on their website, should only be counted as 1 inquierery. I'd like these 3 inquieries to only be counted as one per their website. I called Equifax varios times and every representative did not even know about this, but one representative did after taking the time to do a little research and look for it on the Equifax website. She, then said it only counts if your credit is pulled varios times by the same lender for the same loan which is not true, because the article, on THEIR website goes on to say that because of this you're given a chance to shop different LENDERS. That is the very next sentence after the statement, " if you're shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquirery for a given period of time. The period of time may vary depending on the credit scoring model used, but its typically 14 to 45 days. '' Like I said it goes on to say, " this allows you to check different lenders ... ''
Product: Credit card

On XXXX, I pulled into an XXXX XXXX XXXX managed by XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, and plugged the XXXX XXXX into my vehicle. I then tapped my credit card into the unattended payment terminal ( referred to as vending machine ) to charge my vehicle. The vending machine indicated a generic error, such as : " Error, unable to XXXX  vehicle '', and my vehicle had received no XXXX, with XXXX energy dispensed. As I initially tapped my card via mobile payment, I got a notification for a charge of {$50.00} which is typically normal with a gas station or kiosk. I have not received any services dispensed, nor a receipt or confirmation of payment. 

A day later, I noticed that the {$50.00} charge has posted to my account statement, and has not released from pre-auth. 

I've opened up a credit claim ( Claim ID : XXXX ) with my credit card company Bank of America XXXX days later on XX/XX/XXXX, where I have been prompted to provide additional information twice, as if I was not verbose enough initially. I have provided additional information on both XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter indicating that my claim was denied. ( attached ) I called the bank back on XX/XX/XXXX to discuss the claim, the rep was appreciative and said it must've been declined in an error, and helped me reopen the claim. 

The reopened claim ( Claim ID : XXXX ) has been in " researching claim '' state from XX/XX/XXXX to XX/XX/XXXX. 

Upon calling to inquire on the latest claim, the latest rep was not so supportive, and mentioned that I did not provide enough proof that I did not receive the services, even after mentioning that the kiosk simply did not dispense. The rep was unable to provide any correspondence from the merchant, nor their bank, and continued to say that they have " federally regulated billing policies they must abide by ''. 

I don't often do chargebacks, this occasion just happened to be an erroneous vending machine that didn't dispense, and my bank handled the situation poorly. I am not even upset with the merchant as I am with the bank. I've been a customer with them for over XXXX years with not a single claim. Other banks at least either provide immediate credit ( XXXX ), or provide correspondence from the merchant or disputed bank. To me it feels like my claim hasn't even reached the merchant or their bank before my bank just decided not to throw it away. 

The only reason I am still with the bank and using their card is because of their XXXX XXXX program and reward multipliers. This experience has tarnished any real positives I have for Bank of America.
Product: Credit reporting or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated!

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Bureau Systems ( XXXX XXXX XXXX XXXX, KY XXXX ) has failed to validate the debt {$170.00} Date opened XX/XX/17 and Account number XXXX Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Credit bureau systems to have access to my medical records. Please delete this info from my credit file and cease all collection activities immediately.