23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are behind on our mortgage and would like to do a deferment of our missed payments. We have filled out the online assistance application and also emailed the documents. They are telling me today XX/XX/year> that my documents they received are not signed by my spouse which they clearly are. We filled out and signed every detail of the application both online and paper copies. I also wrote and signed 2 letters of why we need the deferment. They said my tax form and expense statement is not filled out when Im looking right at the file I sent them and it is. They are telling me they are not signed but they are so what am I supposed to do??? I feel like they are giving me the run around when I have been XXXX  and in the XXXX  and Im doing my best to sort this out. Now I just want to get this straightened out before its too late and lose my house. I have paid on this loan for 10 years and I just need some help the process shouldnt be so difficult.
Product: Mortgage

I was impacted by the COVID19 disaster and inquired about refinancing with my current lender in an effort to maintain my perfect mortgage payment record. The refinance did not go through, but I was still impacted by the pandemic. I was told that negative reporting would be suppressed during the time I was impacted, but it appears I was just reported 30 days delinquent. 



I have never missed a payment. I should not be punished for a situation that was out of my control. Please amend the incorrect reporting
Product: Debt collection

I have contacted Experian and notified them dispute INCORRECT late payment ENTRIES on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I had asked them to investigate the following information and correct the inaccuracies at their earliest convenience as these account has never been late. 

Details of Disputed Accounts Entry : 1. XXXX XXXXXXXX XXXX Account Number : XXXX Date reported late : XX/XX/year> XXXX. XXXX XXXX XXXX  Account # XXXX Date reported late : XX/XX/year> I have reviewed my records and confirmed that this payment was made on time. I appreciate your PROMPT attention to this matter and look forward to your response within the XXXX-day period required by law.
Product: Debt collection

On XX/XX/XXXX @ XXXXXX/XX/XXXX, I called XX/XX/XXXX to figure out why I was sent to collections because I currently was not late on payment nor defaulted on anything. I talked to one of the representatives about where the debt came from and it was from ambulance ride from XXXX I explained to him I havent been to ER since XXXX for an unrelated issue and i drove myself there. The representative explained to me the debt was attached to someone elses first and last name. The only reason he was able to look it up was from my phone number and not even through my social security, which I informed how was that even possible since it showed on my credit report. He recommended me to reach to the credit bureau to have this taken off but this can seriously ruins someones credit, falsely reporting items that arent even tied to them. Representative was a good guy tried to explain everything he could to me without giving me false information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, XXXX, and TransUnion about a car loan titled XXXX XXXX XXXX or XXXX XXXX XXXX on my credit report. I successfully removed these from my XXXX and XXXX credit reports, due to the account having information that does not belong to me such as it being purchased in a different state. I have tried to dispute the same information with TransUnion as well as the 30 inquiries on my TransUnion credit report to no avail. I provided them with documentation of my Identity theft report filed with the Federal Trade Commission, but TransUnion came back and said it was fake. They refuse to properly investigate and delete the inaccurate information. Instead, they lock me out of my online account for extended periods of time so I can't dispute or respond to their dispute results and make it to where I can only mail them in my disputes. This happens at least 3 times a month, I do not have these problems with the other credit bureau 's only TransUnion. In regards to the over 30 credit inquiries on my report most of them being 5 to 6 duplicates from the same company. TransUnion refused to investigate them and remove them for inaccuracies and simply sent a letter stating they were true immediately after I submitted a dispute for them. TransUnion is the only credit report that does not delete incorrect information, no matter how much proof you submit they always come back with an excuse. They are going out of their way to deliberately negatively impact my credit report. I have talked to a lawyer and if the information is not fixed I am afforded the right to seek litigation, which I fully intend to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX bank ss, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXXXXXX XXXX  Acct # XXXX, has violated 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

No proof was provided showing that I authorized these inquiries on my report. If you are going to say they are verified then please provide PROOF and DESCRIPTION of the investigation used to determine that I approved these inquiries. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS HIRED BY AN XXXX XXXX XXXX XXXX FRANCHISE LOCATION IN XXXX, ALABAMA BY XXXX XXXX THE OWNER ON XX/XX/2019. I BEGAN WORKING AND TAKING THE REQUIRED CONTINUING LEARNING CREDITS ON XX/XX/2019. XXXX WAS AWARE AT THE TIME OF HIRING ME THAT I HAD BEEN IN SOME TROUBLE WHEN I WAS MUCH YOUNGER. SHE DID NOT ASK FOR A FULL EXPLANATION, BUT SHE KNEW. MY BROTHER 'S GIRLFRIEND XXXX XXXX ALSO WAS HIRED, BUT SHE WAS HIRED AS A CUSTOMER SERVICE REP. AFTER THE XXXX AND XXXX XXXX HOLIDAY, I WAS ASKED TO START WORKING AT XXXXXXXX XXXX OTHER XXXX XXXX XXXX XXXX LOCATION IN XXXX, ALABAMA. ON XX/XX/XXXX, XXXX ADVISED ME SHE HEARD SO WHISPERING IN THE OFFICE ABOUT " SOMEONE '' WORKING THERE THAT HAD A BACKGROUND. LATER THAT DAY THE OFFICE MANAGER XXXX MADE AN ANNOUNCEMENT THAT THEY WERE RUNNING BACKGROUND CHECKS ON EVERYBODY IN THE OFFICE. SUBSEQUENTLY AFTER THE ANNOUNCEMENT WAS MADE XXXX CALLED THE XXXX LOCATION AND ADVISED ME THEY WOULD BE RUNNING BACKGROUNDS ON EVERYBODY IN THE OFFICE BECAUSE OF A NEW REQUIREMENT FROM CORPORATE. I WAS NEVER ASKED WAS IT OKAY. I WAS NEVER ASKED TO SIGN A CONSENT TO RUN THE CHECK, NOR WAS I GIVEN A PRE OR POST ADVERSE LETTER. AFTER THE BACKGROUND CHECK CAME BACK I WAS TERMINATED FROM THE COMPANY BY XXXX. I CONTACTED THE COMPANY THAT RAN MY BACKGROUND CHECK BECAUSE THEIR WERE INCORRECT INFORMATION. THE LADY THAT I SPOKE WITH ADVISED ME THEY REQUIRE THEIR CLIENTS TO CHECK A BOX WHEN THEY ARE ORDERING A BACKGROUND CHECK STATING THEY HAVE WRITTEN SIGNED AUTHORIZATION TO RUN THE CHECK. THAT NEVER HAPPENED.
Product: Credit reporting

This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on XXXX cases, XXXX XXXX XXXX and XXXX for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL XXXX, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Cash App regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against cash app for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
Leaving my account vulnerable and unprotected.
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, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Mortgage

Shellpoint Mortgage Servicing has failed to answer issues regarding charges and fees shown on monthly mortgage statements. 

My Question on XX/XX/2020 : Why does my monthly statement show PAST UNPAID AMOUNT {$540.00}? Shellpoint Response on XX/XX/XXXX : Your XX/XX/2020 statement should reflect an update. 

As of today XXXX, the XX/XX/2020 statement attached shows PAST UNPAID AMOUNT {$540.00} ( No Update ), and XX/XX/2020 statement shows OVERDUE PAYMENT {$660.00} ( Increased ). Why and What For?? 

Shellpoint Response Statement on XX/XX/2020 : Shellpoint did not receive payment for XX/XX/2020, until XX/XX/2020, implying XX/XX/2020 was never received. 

My Question : Why wasnt the payment received on XX/XX/2020, applied to the account? Proof of payment received by Shellpoint but not properly credited to my loan account. 

Also, the XX/XX/2020 statement shows a XX/XX/2020 Attorney Cost Payment of {$88.00}? There are no arrearages owed on this account for Principal or Interest payments. Shellpoint Representative, XXXX XXXX ( Compliance Department ) stated on XX/XX/2020 letter, their records indicate that the attorney fees have been paid, so the current attorney fee balance is {$0.00} and there are no current arrearages. There are still ongoing discrepancies and improper handling of my loan account that needs to be corrected.
Product: Debt collection

Vanguard reporting a unkown debt they claim I own to XXXX and refuse to validate this debt. They are reporting the account twice for the same amount.I have tried to resolve this by phone poor customer service over the phone sent dispute certified but no response from them.
Product: Credit reporting or other personal consumer reports

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity items are not related to any transactions made by me. Ive tried to contact the companies directly.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX can you show how you Verified these accounts what information and agency was used if not please remove these items from my credit.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX I paid off this account past the initial amounts to find that I occurred interest due to department changes within the company to make further company demands of interest charges. I paid on time to find that this account kept getting late fees when payment were made.
Product: Credit card or prepaid card

someone continues to do identity theft under my name and variations of such and they keep sending prepaid cards ones they have already made an online account for and ones where you don't need the physical card to get illegal money deposited onto it. they do this and then transfer the funds I am also getting checks from places I've never had bank accts at and t is ruined my credit score by XXXX  points this is XXXX make the prepaid card theft stop it. its a huge problem cause to close the account you have to activate the card
Product: Bank account or service

the bank : Bank of America has paid a check twice for the same amount Check # XXXX one time on XXXX XXXX and for the second time on XXXX XXXX, XXXX, we did present the claim to them and last week after a conversation with the representative asking for the refund since that was a check over 2 year old and posting twice we need to wait for XXXX bank we do not have our account with them we banking with Bank of America
Product: Debt collection

I had XXXX on XXXX/XXXX/2015 at XXXX XXXX XXXX XXXX. I had XXXX insurance at the time of service. The claim was paid and it left a patient responsibility which I was paying on.Once I found out XXXX took the payment back from the facility, I stop paying They continued with collection practices and I am owed {$1100.00} in payments, and I sent a certified letter to the facility requesting the payments back with no response. After I sent the facility the letter requesting the refund, I was sent to collections again but to Frost Arnett. I faxed over a copy of the XXXX from XXXX with no response so far form them.,
Product: Credit reporting or other personal consumer reports

XXXX I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.
Product: Student loan

I went to the LA location, which closed down shortly after I graduated. This school has been found guilty of fraud in the XXXX XXXX  XXXX case and my federal loans will be forgiven due to their recruiting tactics, promises of job placement, etc. I graduated right before the recession of XXXX and was never given any follow ups or assistance with finding a job or help with my student loans. Ive tried to file forbearances on my private loans to no avail, as they arent allowed. The interest on these loans is so great that Ive now paid over the original amount of my loan 3 fold. Ive requested for them to provide totals and they only list out the payments Ive made indvidually, with no total at the bottom line. I was also unaware that my public loans would be commercially held, therefore XXXX no longer able to get reimbursed like some of the others will in the settlement. I was never informed why I needed public and private loans either. Ive been paying this loan since XXXX and Id love to see the remaining balance wiped off and my credit restored. In XXXX, I filed for bankruptcy due to the total amount of my student loan debt with compounding interest. In my opinion, I couldnt keep those plus the credit card debt I had racked up from trying to survive during the recession, so I filed. Id do anything to eliminate my student loans. And being reimbursed for an education that was subpar from the community college I had attended prior would be ideal.
Product: Credit reporting

XXXX, Equifax , and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
Product: Debt collection

Date of transaction : XX/XX/XXXX Bull City Financial contacted me via phone call about a hospital bill. They asked me to set up payments or to pay in full. I told them I could not afford to pay the bill in full & asked them if they could accept a discounted settlement of {$2500.00} paid in full. The representative told me she would have to send the request up to her manager. I was worried about this being reported on my credit & advised the rep as such. The rep told me that my account would be placed on hold, would not be reported to any credit bureau agency, & that they would notify me of their decision. I consistently check my credit score & found that Bull City did report me to the credit bureaus. I never received a phone call, email, or letter regarding my request for settlement. When I contacted Bull City on XX/XX/XXXX, the rep confirmed that I had not, in fact, been contacted by Bull City. This seriously impacted my credit score, which was over XXXX, and has jeopardize my business & a real estate transaction in progress. I spoke to a rep who told me that it would take weeks for my credit to be cleared of this action. I want this to be cleared immediately, an apology & an explanation, in writing, of why I was not contacted. I also want them to accept a fair settlement amount & refund me the difference. I would also like written proof that this medical bill belongs to me, an itemized statement of the charges, and proof that no part of the original bill was written off by the original debtor ( as the original debtor has no record of me owing them for this account ).
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  with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXXXXXX XXXX  XXXX  account. On my equifax credit report for the year of 2020 it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX report but on Equifax it shows current.
Product: Debt collection

In XX/XX/2019 i went to see my primary doctor for annual check after visit he referred to XXXX XXXX  for XXXX XXXX  After they checked my insurance information and the referral paperwork they told me your copay is {$35.00} i did pay that amount before i took the test A few months later the lab send me a bill of {$400.00} for the XXXX XXXX I called them they stated this is your responsibility to pay i did explain to them that i been told to pay the copay only and i did They stated that I didnt even pay the Copay I fo have proof through my credit card statement that i paid. They said if you dont want to pay thats fine A few months later I get a notification from collections agency that i have to pay that amount This is not fare they didnt disclose the amount with me before the test I could get the XXXX XXXX at my work place for a cheaper price Plus I paid the copay Please i need your help to resolve this matter