23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for XXXX XXXX. After investigating with XXXX XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is National Credit Adjusters ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX
Product: Student loan

in 2014 my student loan account came out of forbearance without my knowledge. After spoken to a Representative she pushed the payment day for me to reflect that my account was current on the payment. a few weeks later it shows that I was behind on my payment even tho the payment date was changed and the representative told me not to worry about it the issue should get fixed within a week. since then I been disputing the late payment with negative results.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the below accounts has violated my rights : 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 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Checking or savings account

Opened an account on XX/XX/2018 with fifth third bank. Deposited {$1000.00} as part of a promotion to earn {$500.00} after 60 days. I was not informed of any service fees on the account nor did I ever receive a debit card. When I returned to the bank 60 days later I was told that I did not earn the {$500.00} due to the monthly charges.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Removal of Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern : I am writing to formally dispute all information on my credit report ( report number : [ insert report number, if available ] ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and to request the immediate removal of fraudulent or inaccurate data resulting from a confirmed data breach. My personal information, including Social Security number, financial accounts, and other sensitive data, was exposed in a breach of XXXX, LexisNexis, XXXX, XXXX, XXXX, XXXX  XXXX XXXX and and XXXX XXXX  XXXX XXXX This breach has placed me at significant risk of identity theft and financial harm. Under FCRA 605B, you are required to block the reporting of any information identified as resulting from identity theft upon receipt of valid documentation. Additionally, FCRA 611 grants me the right to dispute inaccurate or unverifiable information. All data on my report must be investigated, as the breach compromises the reliability of any information tied to my identity. I demand the following actions : Remove or block all fraudulent, inaccurate, or unverifiable information from my credit report resulting from the breach. Notify all relevant furnishers ( e.g., lenders, creditors ) of the disputed items, as required by FCRA 623. Provide me with a revised copy of my credit report and confirmation of corrections. Place a free extended fraud alert on my file for seven years under the FCRA and the Fair and Accurate Credit Transactions ( FACT ) Act. Enclosed Documentation ( Certified Copies Do Not Return ) : Copy of my government-issued ID. Proof of the data breach Failure to comply with FCRA obligations may result in legal action, including claims for damages under 1681n. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and [ State Attorney Generals Office ]. Please confirm receipt of this dispute in writing within 5 business days and complete your investigation within 30 days, as required by law. For urgent resolution, I also request a security freeze on my credit file under the FACT Act to prevent unauthorized access. Sincerely, CC : Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) | [ State Attorney General, if applicable ]
Product: Mortgage

We have just refinanced with Freedom Mortgage and we have not been able to contact them to discuss our payment options due to COVID 19 I have sent an email two weeks ago and have called numerous times.

When I go to the website they have posted an option to apply for a forbearance but the terms state I must pay it all back at once plus my additional mortgage payment. 

That is not possible. I dont have the money now how am I going to have it in 6 months? 

This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the inaccurate reporting of my late payment history on my credit report. My report currently reflects late payments for an account where I maintained timely payments, resulting in a misleading credit profile and unjustified harm to my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure all information reported is accurate. The incorrect late payment history is a direct violation of this standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( XXXX  XXXX an assignee pursuant to 15 USC 1691a ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. XXXX   shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my Equifax report. These should match. 
Now, Equifax has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  has these same 4 accounts as closed. I think these should also be closed on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of Merchant 's Credit Guide reported a delinquency in the amount of {$220.00} to my credit report. I've never had a working relationship with this company 's creditor and I've never used their services. I have attempted to dispute this erroneous information directly with the credit reporting agency as well as XXXX XXXX in XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Please aid in the removal of this erroneous information or I will be forced to proceed in the court of law.
Product: Prepaid card

I attempted to use my American Express Prepaid Gift Card ( ending XXXX ) to buy a XXXX  Gift Card on XXXX on XX/XX/year>. The purchase was declined XXXX times. 

The transaction was for {$450.00}, and the AMEX Gift Card balance is {$500.00}. I confirmed the gift card balance at americanexpress.com/mygiftcard.

I have had trouble with AMEX Gift Cards in the past and after reading similar stories decided to come to the CFPB to hopefully resolve this issue once and for all.
Product: Credit reporting or other personal consumer reports

Consumers may feel they have been subjected to predatory lending practices, such as excessive interest rates, hidden fees, or unfavorable loan terms that were not properly disclosed.
Product: Student loan

I have always had big issues with XXXX XXXX and Navient offering XXXX '' at the rates that they do. I was sent offers and decided it was a good option at a time I did n't have funds to move, thinking that I could pay it off relatively quickly. I ended up taking out a {$13000.00} loan at 14 %! The bigger trick to it all is that it is a loan you ca n't refinance. I spent 3 years of XXXX struggling to keep up and having to do forbearance on other loans. I tried to refinance and it was n't an option. I ended up getting a lump sum loan from my wife after we married to pay this off. 

My biggest issues are that these are predatory practices .... aimed at targeting a population that they know is a safe loan ( meaning it should be a low interest rate ) but also know the burrowers ca n't pay off until 3-6 years have passed. Hiding in the inability to refinance these loans is a good business move for them but a shot against consumers.
Product: Vehicle loan or lease

XXXX XXXXXXXX TRUIST have my account number and withdrew payment 15 USC 1666 I believe the bill sent to me, is a billing error in accord with 31 USC 3123 and 18 USC 8 16 CFR 681 TRUIST also reported my personal information to the reporting agencies without prior knowledge or consent 12 CFR 1006.34 TRUIST failed to send a Validation of debt notice 15 USC 1692 g I sent a notarized, registered Validation Dispute letter to TRUIST within 5 days of the first bill with no response from TRUIST26
Product: Debt collection

I received a collections letter stating I owe money to XXXX XXXX XXXX XXXX, and I have never done business with this company. XXXX XXXX 's phone lines are out of service, so I went there in person. There, an employee told me that XXXX XXXX recently purchased XXXX XXXX and that many people in my area were receiving these collection notices in error. She stated that some of the older accounts were never properly closed and are mistakenly showing a balance owed to XXXX XXXX that XXXX XXXX is now attempting to collect. A representative from The Thomas Agency would not give me any information and kept repeating that they have no further information. The manager from XXXX XXXX was supposed to get in touch with me and never did. I'm concerned that this false collection amount will damage my credit and also others in my community will have the same issue. 

The letter I received is dated XX/XX/22 and was sent to my parent 's address, which I haven't used in over a decade. I called and spoke to a representative with The Thomas Agency on XX/XX/22 and I also visited XXXX XXXX XXXX that same day. 

The XXXX XXXX XXXX employee that I spoke to stated that all of these false collection attempts are for the same dollar amount : {$130.00}. It is my understanding that XXXX XXXX XXXX is aware of the issue and not taking steps to correct it. The Thomas Agency may also be aware that the money they are attempting to collect is illegitimate, but they refused to give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.
Product: Mortgage

Today marks the seventh call I 've made to my mortgage com pany - Loan Care -  in regards to my  XXXX  taxes not being distributed. Per our contract, all of my taxes are included in the lump sum mortgage payment I pay each month. I received a " delinquent notice '' from  XXXX ,  XXXX ,  XXXX   XXXX  explaining my  XXXX  taxes remained unpaid. I called  XXXX ,  XXXX ,  XXXX   XXXX  back in  XXXX , with confusion, since I understand the agreement between Loan Care and me and my husband as the owners of the property.  XXXX ,  XXXX ,  XXXX   XXXX  assured me they did not receive any payment from Loan Care ; however, they did confirm that they sent them a bill  to Loan Care [ for  our  XXXX  taxes ] back in  XXXX  of  XXXX . When I called  Loan Care c ustomer service, they did not deny they dropped the ball ( and confirmed they would get the taxes pai d (  {$3000.00}  ),  which includes the penalty and service cost. I emaile d Loan Care  again on  XXXX   XXXX ,  XXXX  and I received no resolution. I called again on  XXXX   XXXX ,  XXXX  and spoke to a  manager  named, "  XXXX  '' who assured me our taxes would be paid that day, and she would send me a confirmation email with the breakdown. That never happened, so I called the direct number  XXXX  originally provided me on  three d ifferent occasions, and I got a machine message for "  XXXX  '' (  XXXX  either lied about her name, or she pawed the responsibility on to  XXXX   ).  Nevertheless,  XXXX  nor  XXXX  have yet returned my calls. Today, yet again, I hung on the phone for ov er 15 min utes, and when I asked to speak to  XXXX ,  XXXX , another customer service rep, hung up on me. I called back AGAIN, and spoke to another customer service  manager  named,  XXXX , who advised he could n't help me. It is now  XXXX   XXXX ,  XXXX  and there is a lien threatened to be placed on our home, as the taxes still have not been paid. This is outrageous!!!!! My husband and I are the innocent party and are being treated like criminals all because of this unorganized, lying, lazy mortgage company!     Aside from the frustration for the people working there who make continuous false promises,  Loan Care has breached our contract wherein they are legally responsible for correctly distributing our tax money.       XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting 3 inaccurate accounts of collection accounts. I have reached out to XXXX and after a review of the accounts, they removed all 3 collection accounts from my report. I have reached out to XXXX and Transition XXXX times and each time they brush me off and say they have verified the accounts but do not provide documentation to show how, when or if they actually verified the accounts. I want all 3 collection accounts removed from Transunion and XXXX as since XXXX removed the accounts, that means Transition and XXXX should not be reporting those accounts anymore.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Last 4 SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Auto Loan from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent auto loan that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : CREDITACPT Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Amount : XXXX I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a police report and placed a fraud alert on my credit file. Attached are copies of the police report, my FTC Identity Theft Report ( if applicable ), and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2020 I filed a complaint with cfpb in regards to Equifax reporting an inaccurate, incomplete and unverified bankruptcy on my credit file. On XX/XX/2020 Equifax stated that they verified the bankruptcy information as being accurate with the information furnisher and that they would mail me the results of their investigation. In the results that they mailed to me, they stated that XXXX XXXX furnished the bankruptcy information and that it was accurate. However on XX/XX/2020, I received a letter from XXXX XXXX stating that they had deleted the inaccurate bankruptcy from my file because of the inaccuracies that were found. How is it possible that Equifax conducted a proper investigation if the public record furnisher has deleted this inaccurate information from their files due to multiple errors.
Product: Checking or savings account

My wife and I received our US tax refund check, and deposited it into two of our accounts. The receipt for the deposit to my account is for more than was credited to my account, according to my account statement. No correction was made by the time of my next month 's statement, so I went into the bank for an explanation. They have no explanation, and say they are doing research to account for the difference. Meanwhile, they can give no date for the resolution of this problem, only to say that they are doing research and when the research is complete they 'll have an answer for me. I think that having to wait indefinitely is inappropriate but they refuse to give a date by which the problem will be settled.
Product: Debt collection

I recently checked my credit profile and noticed an unauthorized account with a derogatory remark added to my report. I have recently contacted this company about this issue and have not gotten a response and feel this is not verifiable under the federal credit reporting act. The name of the company is Diversified Adjustment Service , Inc .
Product: Checking or savings account

I filed a XXXX  complaint against Bank of America on XX/XX/XXXX. I received an email from a XXXX XXXX on XX/XX/XXXX at Bank of America XXXX XXXX. The contact information for XXXX provided in the email was invalid and I was unable to reach XXXX nor any other representative in the XXXX XXXX department. I also attempted to respond to XXXX by email but never heard back. 

I am filing a complaint against Bank of America because my XXXX has not received XXXX bill pay checks that were paid in XXXX. I had spoken to a bill pay supervisor named XXXX XXXX on XXXX XXXX, who had filed a case ( number XXXX ). As of today, I have not received a response from either Bank of America or the XXXX. I had already confirmed the mailing address is correct but I am not sure what had happened to the XXXX checks and they were not cashed by the void date. Please see attached emails and mail from Bank of America.
Product: Debt collection

Ok let me break it down for you guys under 15 USC 1692 and 1681. XXXX sent me a collection notice for XXXX XXXX  and the credit limit was XXXX and they are trying to collect XXXXXXXX XXXX XXXX for both accounts. Even if it was XXXX late fees and XXXX dollar service charges and late for 4 months it would not be that much. They try to collect was more than is owed and this is illegal. It violated 15 USC 1681 and 1692 et seq multiple times and this means they lie about amount that is owed.
Product: Credit card or prepaid card

On XXXX my local credit union sent a check to Goldman Sachs to pay down a significant portion of my Apple Card issue by Goldman Sachs whom I will refer to as GS. GS received the check on or around XXXX per the stamp on the back of the check copy I received from my credit. GS cashed the check and has not posted the money to my account. My payment is due on the XXXX of XXXX, I reached out to GS who claims theyre looking into it and have no idea where the check is, where the money went or anything.