23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company (   US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against Experian and XXXX if they do not validate the account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date opened XX/XX/2006 Balance {$100000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this was paid off and closed chase is reporting incorrectly on aall my bureaus
Product: Credit card

XXXX years ago, My Credit Score was dropped from XXXX to XXXX. I run my credit report via XXXX and XXXX. I found out there were {$290.00} charged on my macy 's account. I called macys many times and still ca n't get the issue resolved. They have n't even provide me the credit card statement. I have requested for it many times. All they were saying I have {$290.00} due on my card and I have to pay for it. I have been keep telling them I have n't use my macys card almost XXXX years. Everytime I call them, They said they are doing their investigation. I also file a complain via macy 's fraud department email. But still have n't received any response. This has been going on almost XXXX years and at this moment I want to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/2023 mortgage payment is NOT DELINQUENT!!! My mortgage payment arrives on time every month and the loan servicing department within XXXX XXXX XXXX has processed these on time payments from the FLORIDA DEPARTMENT of ECONOMIC OPPORTUNITY very poorly. They explained that they are swamped and my credit may be dinged and that I may have to dispute. Now 5 months later Im here disputing this inaccurate reporting that has ruined my stellar payment history. My own mortgage company did not have my best interest in this whole situation and its not right.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX Open Date XXXX XXXX, XXXX  Balance : {$250.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened ally checking spend account recently after seeing the banner when i login to my ally savings account, that advertise to get {$200.00} bonus when i open checking/spending account with them and receive a direct deposit. so I opened account and meet the direct deposit requirement that they say, but I still have not gotten bonus even after XXXX which is what they advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for TXXXX Experian, XXXX and XXXX XXXX.
Product: Mortgage

On XX/XX/year>, I asked Flagstar Bank to cancel my PMI for my mortgage loan with them. In support of my request, I provided a copy of my county 's appraisal of my property, which documented a loan-to-value ratio ( LTV ) under 80 %.

My request to remove my PMI was denied b
y Flagstar in a letter dated XX/XX/year>. I called Flagstar and a representative informed me that the PMI waiver requirements included completing a 24-month payment history. I explained that the form provided by Flagstar did not include that in its list of requirements. He agreed. The representative then also informed me that substantive improvements to the property had to be made before the PMI could be cancelled. I explained that the form also did not mention that requirement, though it listed others. He agreed. 

This is a deceptive business practice. Flagstar should include in its official PMI waiver request form its actual requirements for removing the PMI. If Flagstar had provided its actual requirements instead of the ones listed on the form, then I would not have wasted my time applying to have my PMI removed. 

In addition, the Flagstar representative also explained that appraisals provided by local governments for property tax purposes are not acceptable forms of appraisal for PMI removal requests. This policy is also not mentioned on the Flagstar PMI waiver request form.

A copy of Flagstar 's " PMI Waiver Request Form '' is attached for reference.

The representative then informed me that Flagstar 's PMI department can not be reached by telephone and that I would not be able to discuss the matter by phone with a Flagstar PMI representative.
Product: Checking or savings account

I opened a Coinbase account and transferred {$500.00} into it. At a later date, I opened an Coinbase XXXX account and also transferred from my bank {$500.00}. I've made a few small trades using Coinbase XXXX and this account balance should be approximately {$510.00}. 
I decided to close my Coinbase account and keep my Coinbase pro account open. After transferring {$500.00} from Coinbase to my bank, this account ( XXXX balance ) was closed and deleted on XXXX XX/XX/2021. 
Unknowing to me, this also removed access to my Coinbase XXXX account. I submitted my issue via email on XXXX XX/XX/2021 to Coinbase support. They responded via email on XXXX XX/XX/2021, XXXX # XXXX and told me to sign up to Coinbase using the same email address that I originally used. 
I did this ... and now have access to both Coinbase and Coinbase XXXX. The problem however, Coinbase XXXX now shows XXXX balance ( should be approximately {$510.00} ). 
I have since responded/replied to Coinbase support referencing my XXXX # XXXX and asking for help resolving my fund balance ( missing {$510.00} ). I received an automated response saying " Were working hard to quickly address this issue, and we'll reach out to you as soon as we have an update ''. 
As of today ( XXXX XX/XX/2021 )... This issue is still unresolved and have not received any status updates from Coinbase. I called their customer service number at XXXX ( XXXX ) XXXX. This is basically useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at XXXX XXXX, and TransUnion. Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial for credit letter from XXXX to XXXX XXXX XXXX loan dated XXXX XXXX.I filed a complaint with CFPB on XX/XX/2019 complaint XXXX stating I never apllied for credit with this company.CFPB response was to file a complaint with DFIC.I did file complaint right away.I received another denial letter from same company dated XXXX XXXX through XXXX XXXX for a freedom plus loan.I inquired from simple path about a loan in XXXX XXXX path shows on credit reports for loans based on credit score/credit.I only inquired and now im getting denial letters.I never gave any companys permission in this complaint to run my credit for hard inquiries.I have noticed lately alot of calls from freedom plus to consolidate my debt for a fee or debt counseling/repair for a fee.I finally blocked there number cause they call alot
Product: Debt collection

It seem ike Great Lakes Higher Education violated The Fair Debt Collection Practices Act 809. Validation of debts [ 15 USC 1692g ] by not provide me with name and address of the original creditor.

The FDCPA, specifically, subsection 809 which reads : 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

It seem like Great Lakes Higher Education is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Great Lakes Higher Education claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that XXXX being discriminated against me because I'm a XXXX male. 

I am asking Great Lakes Higher Education have you seen the original promissory note? What name and address of the original creditor?
Product: Checking or savings account

My identity was stolen and theyre was checking accounts opened in my name at JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Im unable to open a real legit bank account for myself.
Product: Consumer Loan

Got a loan at XXXX. Signed up for intellipayment to take payments out every 2 weeks. The loan was with TD bank. XXXX sends them payment every 2 weeks with automatic deduction. Since the day we got the jeep every 2 weeks payments were taken. XXXX sent XXXX payment later than TD banks payment date. XXXX only sends payments on Fridays and this was not the correct day. TD bank should be aware of this since the are signed up to participate in the program. TD bank has called, and sent letters and are harassing me every day about late payment threatening to ruin my credit. We signed up for auto deductions so we do not have to deal with this. I can prove every payment has been taken from our bank account and TD bank refuses to acknowledge this. I am tired of calling dealer, TD bank and XXXX and they all blame each other. At this point if TD does not fix this error, I am going to get a new loan, and not use them or XXXX again. We have had another vehicle on the same program for over 3 years before trading in without any problems and also a truck with no issues. TD bank refuses to fix this error and I need help. They are trying to get another payment which we do not owe and say every payment is late when it is not. I have the payment schedule from XXXX and also can show every 2 weeks payments were taken out. I will never use TD bank again and at this point if they ruin my credit- I will be suing them. I XXXX XXXX took out the loan for my granddaughter XXXX XXXX and the payments come out of her bank account. She is on the XXXX account.
Product: Money transfer, virtual currency, or money service

Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted and cashed a check for {$3300.00} on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries listed on my credit report. After reviewing my credit report from [ Credit Bureau Name ], I noticed several unauthorized and fraudulent inquiries that I did not initiate or authorize. These inquiries are negatively affecting my credit score, and I request immediate action to resolve this matter. 

I am certain that these inquiries which I listed in Identity Theft were not authorized by me, and I believe they are the result of fraudulent activity. I did not apply for credit with these companies, nor did I provide permission for these inquiries to be made on my credit file. I am concerned that my personal information has been compromised, and I am requesting a thorough investigation into this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent inquiries be removed from my credit report immediately. Please provide me with written confirmation that the inquiries have been investigated and removed. Additionally, I would appreciate any assistance you can offer to help resolve the potential identity theft issue that has led to these unauthorized inquiries. 

Thank you for your attention to this important issue. I look forward to your timely reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.
Product: Debt collection

I.C systems sent me a notice regarding a XXXX  bill which I am not financially responsible for. 
I sent a letter requesting for billing information showing that the bill is mine. 
I.C systems never sent the letter. 
Instead I.C systems fraudulently placed a collection on my credit reports in violation of fcra laws.
Product: Debt collection

I have disputed XXXX $ since XX/XX/22 for debt having a negative impact on my credit. This is a debt for service never rendered. I reached out in emails and spoke to the service provider I thought she understood and updated there information but then they still sent it to debt collector that I have emailed my concerns in detail and I got no response so I disputed in XXXX XXXX  and XXXX multiple times.
Product: Checking or savings account

Capital One is blocking me from enabling external applications such as " XXXX ''. I need access to my financial data.
Product: Student loan

Instance one : At the time of taking out the loans Navient ( XXXX XXXX ) would not state what my interest rate was while I was still a student even though interest was being accrued. By the time I graduated with a XXXX-year degree and began repayment, the accrued interest was already $ XXXX. 

Instance Two : I graduated from XXXX University in XXXX  of XX/XX/XXXX.  Navient ( then XXXX XXXX ) refused me an income-based repayment plan forcing me into deferment. Once able, I began making interest-only payments of about $ XXXX/month because I could not afford interest/principle payments of about $ XXXX/month. I was XXXX and working XXXX part-time jobs. This went on until 2014 when my interest-only plan expired. At this time they finally agreed to an income-based repayment plan which lowered my monthly payments and interest rate and increased the life span of the loan by 30 years. 

Instance three : My parents co-signed on one of my loans. I have tried on two serperate occasions to release them. Although I make my payments on time each month we were denied. 

Instance four : I am currently set-up for reoccurring payments. On 3 different occasions Navient has notified me of past due payments on the XX/XX/XXXXof the month even though my payments are scheduled for automatic deduction on the XX/XX/XXXX. I have paid immediately to stay current only to have my bank account overdraft by 2nd payment deduction on my due date.
Product: Payday loan, title loan, or personal loan

My son took a loan from an online app called Cashnetusa on XX/XX/2019, and received a cash advance on XX/XX/XXXX. When he realized how much interest he was being charged, he asked us to help him pay off the loan. 

On XX/XX/2019, we spoke with a collections center representative by conference call to pay off the loan. The company would only accept a same day payment from a debit card and would not accept an ATM card, credit card or ACH bank same-day payment. 

The ACH bank payment would not go through until the following Monday, meaning they would charge us an additional three days of interest. 

We asked to speak with a manager, but the representative said no manager was available to speak with us immediately. We asked to speak to a manager again and the representative put us on hold for 20 minutes. We eventually ended the call.
Product: Mortgage

We did a modification with Mr. Cooper, and we paid them as agreed. Our mortgage payments have increased, and they didn't delete the late fees. They stated that they made a mistake and that it was not our fault we signed a contract, so they added on these extra fees that make us look like we are {$1900.00} behind on our house. Our credit has been hurt tremendously. Our balance on our home is {$81000.00} but our payoff is around {$130000.00} because they added on some more fees after our bankruptcy in XXXX. We don't understand where these fees came from we hadn't missed a payment on the bankruptcy either. It was automatically taken out of my husband 's check. We have tried to get help from different attorneys in our area, but no one can help I have all the paperwork from before the bankruptcy until now. This isn't right we have done what we were asked to do and even made double payments to take care of the fees and were advised that that was just added on as another house payment. We need help
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE