23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

UHG I LLC, XXXX IL filed petition through XXXX XXXX XXXX in Missouri Court ( Independence ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to UHG I LLC. so now UHG is suing me for the money i didn't owed. 
XXXX now porting to XXXX  a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX  is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, I was attending XXXX school at least half time. Navient, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that Navient was demanding payment. I spoke with a representative from Navient, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. Navient also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, Navient continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan.

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, Navient continues to report my accounts as 90 days delinquent. Navient is violating the FCRA, and/or other laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$770.00} Date Opened : XXXX, XXXX, XXXX Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank removed my inquiries from XXXX but they did not remove all them from Equifax. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or XXXX  in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Vehicle loan or lease

Per CFPB, instructed to duplicate XXXX ( XX/XX/XXXX ) Party has not received sufficient documentation relating to XX/XX/XXXX purchase of a GAP Contract from Ally, according to the financing agreement. 

The complete VIN has be provided to Ally via the email address we have on file. 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX Attached letter, addressed to XXXX XXXX XXXX XXXX XXXX, NC, XXXX stating that we had not received a response. 

XX/XX/XXXX - CFPB case XXXX initiated XX/XX/XXXX - XXXX case XXXX initiated XX/XX/XXXX - received response for open CFPB case, insufficient information provided, feedback sent XX/XX/XXXX - additional information attached to XXXX  case, including VIN, as a courtesy XX/XX/XXXX - XXXX  case past due, XXXX provided date of XX/XX/XXXX, marked delinquent XX/XX/XXXX - letter dated XX/XX/XXXX from employee/contractor of Ally sent, requested documentation not attached
Product: Money transfer, virtual currency, or money service

XXXX ; The people at your agency closed the complaint, claim that Bank of America responded but you never bothered to send me their response. Calling you " XXXX  '' would be insulting to XXXX, because they are smarter than you are. What was the response? Bank of America 's gross negligence was largely responsible for the loss of {$120000.00}.
Product: Vehicle loan or lease

In XXXX of 2020 we purchased a vehicle from XXXX after our car was totaled by someone who had ran a stop sign. Upon purchasing we were asked for our banking information and desired payment option and guaranteed that automatic draft payments would be made from the account provided. Santander Consumers was NEVER mentioned to us until the car was repossessed. We were also under the impression that the payments were coming out automatically until the day of repossession. When we called Santander we explained this to them as well as our reduction of income due to Covid-19. We also explained that we would pay the balance owed to catch up and they refused, stating that the account was too new to be reinstated. They told us our only option was to pay the remaining XXXX left on the loan. My husband basically begged them to let us pay what we owed being that he is currently XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX soon and has no other means of transportation. They still refused. We were completely unaware that the payments were not coming out.
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. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 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.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/2021 I attempted to get a mortgage from Bank of America. The first words out of the Sr. Loan Officers mouth were " be nice on the survey no matter what happens ''. That should have thrown up a red flag. After several and I mean several back and forth emails about rent, XXXX accounts, and other little things the Sr. Loan Officer let me know, after the fact, that my loan had " timed out ''. I never knew that a loan " timing out '' was a thing. After that happened they had to check my credit again which is probably my biggest complaint about this whole situation. I went from a XXXX to a XXXX to a XXXX credit score. Here is the thing, I make XXXX/year and the loan was for XXXX. It made no sense why the loan was taking so long to approve. So I spoke to the Sr. Lending Officers boss and she stated that she didn't know this was a conventional loan, she thought it was a refi. They didn't even know what kind of loan we were getting. 
We were renting this house and were trying to buy it, while all this was going on the owner of the house decided not to sell. This has essentially made us homeless. I have spent large amounts of money trying to figure this out and have sense gone to another bank for obvious reasons. I would like to be compensated for my time and my credit score decline. I know that some people are just bad at their jobs but this is messing with peoples families. My XXXX year old XXXX  has lived here his whole life and cried when we told him. My wife has been crying. Bank of America should, at the least, be held accountable for the terrible handling of this business transaction.
Product: Credit reporting 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 XXXX, Transunion, and XXXX to reinvestigate these accounts I listed below. 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 supposed to modify accounts that aren't reporting correctly.

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.

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.

, 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 15 U.S.C 1681c. ( a ) ( 5 ) selection 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.

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 accurate. 
The items on the ACCOUNT are as followed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cheystems showing inaccurate information all listed on ftc
Product: Debt collection

I paid this amount for past due electric on my very first apartment in XXXX added this to my power and shut my power off until it was paid off on XXXX. This should be removed with any decency but legally is reporting incorrect information this account was paid in XXXX  not opened.I can no longer access the account payment details but attached the email confirmations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope your day is going well, but I need your help. I noticed inaccurates with my credit report. its really hurting my well being and ability to move forward in life, after some research i came across this informattion from CFPB. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximumpossible accuracy of the information concerning the individual about whom the report relates.

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

See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, USAA CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched XXXX  XX/XX/XXXX LETTER XXXX CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to XXXX 2 times & TO NO AVAIL?? ( How can a credit score on me from XXXX be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD XXXX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years old on limited income paralized hand XXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. XXXX XXXX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE XXXX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. There are obviously 3 different dates last active reporting to each credit bureau which is a FCRA violation. The most recent one saying 2024 which is absolutely inaccurate and shows that the account was re-aged. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so I can review the accuracy of your reporting. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX via certified XXXX mail and no response in writing. On Friday XXXX XX/XX/2022, the representative told me they had NOT received any mail from me which is false, I have confirmation that they did received my mail regarding XXXX XXXX acct # XXXX and the letter and I will provide that information in the attached documents. My credit score  dropped over XXXX points between XX/XX/XXXX to present! In XX/XX/XXXX my credit score fell XXXX, on XX/XX/XXXX it fell another XXXX, o. XX/XX/XXXX An additional XXXX points for the same XXXX acct # XXXX. I provided XXXX and Experian the attached letter from XXXX XXXX, where the letter clearly stated XXXXXXXX XXXX now XXXX XXXX  received your final payment for the above referenced account and no further payments are required. We thank you for satisfying your obligation with XXXX XXXX now XXXX XXXX and yet both XXXX and Experian were reporting the account was still open with an outstanding balance! There are multiple violations that occurred, starting with XXXX, they never provided me with the information that they were providing to the credit reporting agencies, XXXX falsely claim they never received any certified XXXX mail from me. XXXX kept reporting inaccurate information even after XXXX was settled and paid on XX/XX/2022, they also reported an outstanding balance to this XXXX acct # XXXX. Experian also violated The Fair Credit Act by reporting inaccurate information regarding the same XXXX acct # XXXX reporting that the account was still open as a Charge Off with an outstanding balance even after this XXXX acct # XXXX was settled and paid! I never received a response from XXXX regarding the certified XXXX mail that was sent to them on XX/XX/XXXX which they also received according to the XXXX mail. Both XXXX and Experian are well over their 30-45 days in which to respond but never did! I am asking for an investigation into their violations and deleting XXXX acct # XXXX from my credit file immediately. These violations has damaged my credit, as my family and I were about to close on our first home in XX/XX/2022. Thank you in advance and I look forward to and fair resolution to this matter immediately.
Product: Credit reporting

My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
Product: Mortgage

Bank of America ( henceforth BOA ) is mishandling my payments and escrow accounts. I have made repeated attempts through email and by phone to correct the problem and thus far is is unresolved. 

Prior to the expiration of my current homeowner 's policy I switched insurance companies. BOA was provided ample notice in the middle of XXXX XXXX weeks in advance of the change ( providing the new company, billing information, policy #, etc ) .. On XX/XX/XXXX BOA sent an unauthorized payment to my old insurance company. I contacted them immediately and had them issue a corrected payment to the new insurance provider. Instead of putting a CHECK STOP on their unauthorized payment they issued me an escrow advance because their was not enough funds in escrow due to their mistake. 

The old insurance company did end up cashing and refunding to me directly the unauthorized check from BOA. I submitted the entirety of the refund ( to the penny ) back to BOA ; prior to which I notified BOA to apply the entirety of those funds back to the escrow account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to report a problem with a debt that I have been told I owe. I have not been provided with enough information to verify that the debt is accurate, or to dispute it effectively. 

I have received communications from a debt collector stating that I owe a certain amount of money, but I have not been given any details about the origin of the debt or the transactions that led to it. Without this information, I am unable to determine if the debt is legitimate or if it has been accurately calculated. 

I have requested that the debt collector provide me with more information about the debt, but I have not received a satisfactory response. I am concerned that I XXXX be the victim of debt collection abuse or fraud, and I am seeking your assistance in resolving this matter. 

I would appreciate it if you could help me obtain the information that I need to verify or dispute this debt. Please let me know what steps I can take to address this issue. 

Thank you for your help.