23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The Late Payment Status is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
11. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX 14. The following personal information is incorrect Employers : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

This company has refused to VALIDATE this debt is owed. They also have clearly violated my Hippa rights and have sent no proof that I gave permission for them to have my medical information. 

The original creditor XXXX XXXX asked plusfour to remove this debt from my credit on XXXX XXXX and they absolutely refuse. They stated that I need to provide them with all proof and they dont need to validate it. I spoke to XXXX a supervisor and she also stated they refuse to send me the contract or any VALIDATION provided by the hospital. They can only send an itemized bill. I have attached the proof directly from the original creditor that I DO NOT OWE THIS DEBT. The original creditor did not bill my insurance company in time, there for it was a billing error and I owe absolutely nothing. XXXX XXXX is reaching out to plusfour once again to ask them to remove it and I am now filing a Hippa complaint as well as one with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?
Product: Money transfer, virtual currency, or money service

I am filling a claim against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates customer financial protection act. Specifically, cash app failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulations. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

In XXXX of XXXX Hurricane XXXX  struck Florida leaving significant flooding, property damage, and destruction in the wake. My account was current on this date. 

On or about XXXX of XXXX I contacted my mortgage servicer, Freedom Mortgage Corp. to let them know I was adversely-impacted by Hurricane XXXX  , I would be delayed in making a payment and was considering forbearance. 

In XX/XX/XXXX I formally entered into a forbearance. That was a 90 day forbearance. 
Also note, in XX/XX/XXXX Hurricane XXXX  struck Florida. 

In XX/XX/XXXX I called Freedom mortgage to request a forbearance extension. 

On or about XX/XX/XXXX I was advised I would be entering into a forbearance for Hurricane XXXX. 

I contacted Freedom Mortgage on no less than XXXX additional occasions to let them know the impacts were still present I requested forbearance extension. 

In XXXX  of XXXX, I was advised Hurricane XXXX  forbearance could not be extended and I was automatically entered into a COVID-19 forbearance, this was done without my direct consent. 

I made it clear to Freedom Mortgage at this time I was throughly confused because they were advising Disaster forbearance for Hurricanes XXXX  and XXXX  could not be extended beyond 90 days as a matter of my investors polices. My mortgage is owned by XXXX XXXX and their servicer guidance clearly provides for extensions of up to 1 year for Disaster forbearance. I asked for a clarification on this point and to be informed whether this is an overlay by freedom mortgage, an oversight, or if there was information relating to servicing I was missing. 

At the end of my covid forbearance in XX/XX/XXXX, I contacted Freedom Mortgage to request an extension of my forbearance status as I was impacted by Hurricane XXXX  as well. Again on this call I made a request for information as to the justification for only providing 90 days for the other two, XXXX and XXXX - Disaster Forbearances. I still have not been provided a comprehensive explanation for this point. I was provided information at XXXX point stating Freedom Mortgage had to follow FEMA 's guidance. The XXXX representative seemed to indicate FEMA had some form of governance over how long a forbearance could last. This is also contradictory to the XXXX XXXX guidance on their website for Disaster forbearance. 

I am seeking the CFPB 's assistance in helping me to obtain additional forbearance time and remedy Freedom Mortgage 's practices of not seeking approval for extension of Disaster forbearance. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my car in and the financer did not process the payoff check which was sent to them on XXXX hence making my account delinquent. Subsequently they continued to not process that check for almost 60 more days. This negatively effected my credit and when I asked why didn't they process the payoff check they said it was short {$440.00} dollars. I payed that out of my own pocket but Bridgecrest XXXX still sent negative reports to my credit agencies. Finally they processed the payoff but it is still showing as a delinquent account. I disputed it to no avail but I think their process was improper, unfair and unjust! Can this be remedied by someone and my credit standing restored please! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called and submitted disputes nothing has happen this action was taking more of 5 months ago no one from the credit Bureau never contacted me In no way not by email or phone they keep reporting witch is fraud this really messed up whats going on my lawyer will be present the next time this happen or come up I would be sueing for fraud and fraud upon reporting and much more also came was racism I called they put me on hold for hours with out saying anything but we give u a call back Wells Fargo, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information contained on ALL three credit reports ( XXXX, XXXX, and TransUnion ) contains information regarding delinquency and continued balances when I filed bankruptcy and my debts have been charged off under my XXXX XXXX. My credit report should reflect this and my score should not continue to fall but in fact, go up at this point. Please review the attached documents and please advise credit companies to make the corrected adjustments.
Product: Checking or savings account

On XXXX XXXX my wife XXXX XXXX gave me a check to deposit into my online checking account with Chase Bank. I have spent hours on the phone with Chase Bank trying to verify this check and was told multiple times that my check was not legitimate and it will not clear with the bank. I am confused because I have contacted all parties ; issuer, banks issuer and they are able to verify this check. I was also told by XXXXXXXX XXXX that the check was already presented and funds were sent. Chase Bank continues to hold funds stating the check is fraudulent. Also they have placed the account on hold and we will not be able to receive payroll checks into this account with no evidence of fraud.
Product: Credit card

I purchased XXXX dog beds from XXXX. They both had tears in tem. I contacted the merchant and they sent me a return label to send these XXXX dogs beds back to them. I sent the XXXX dog bed covers back to them with the return receipt. They advised that they received a " blue cushion ''. Both dog beds were in the box. My credit card ompany is not helping me at all. They are taking the word of XXXX. I have contacted XXXX, XXXX and the dept of consumer protection. This is very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested that Affidavit of fact Page 1 enclosed to  Transunion / XXXX /XXXX they never responded to page 1 in any detail submitted on XX/XX/2018 enclosed transunion , response was Closed with explanation { i will receive results in 60 days of investigation never any information from any of the companies .I have contacted the company throught the CFPB many times no response but one and I can not get an answer to that question who owns this alleged account if it is in collection I can not get a answer from anyone. Also I keep getting update changes again, XXXX states in collection this seems to can not get validated also if this alleged account is in collections XXXX has no legal right to report this alleged account, BUt that makes this alleged account between the XXXX and myself paid in full making myself the alleged furnisher with all legal rights by owning alleged contract I have no alleged contract with anyone else on is this alleged account not a contract with any third party with my signature .i request a copy of alleged account paid in full
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has viold my rights. Or a 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 or other personal consumer reports

I received my credit reports and noticed an address that does not belong to me for an apartment complex.I called and was told they didnt see my name, but someone is using my ssn without my permission.
Product: Credit reporting or other personal consumer reports

KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I formally request their removal within XXXX XXXX Attached are the relevant documents for your review and reference.
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 XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I checked again my credit report, I found that some of the information was inaccurate. The 3 credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing Charge off bad debt wage earner plan XXXX XXXX when i explain for over 2mths im not im in a XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a Saftey deposit box rental with Wells Fargo in XXXX California. 
On that date we put items of value and importance in that box and did not access it again until XX/XX/XXXX. When I went to access my box which I have been paying a {$95.00} per year rental fee for was not there. The actual box was missing. It was just an empty vault. Every year I paid my annual box rental of {$95.00} dollars. This was was primarily for my mother so she could put her valuables and important document in. So I had no need to access it without her. My mother passed away in XXXX of XXXX so my sister and I jointly opened the Saftey deposit box with a bank representative on XX/XX/XXXX. 
The bank asked us to file a police report which we did. 
My sister and I have tried repeatedly to find out what happened and to see what the bank was going to do for us. After the bank did their own internal investigation they determined that it was not their fault or responsibility that the box is missing. I tried to at least get reimbursed for the annual box rental but the bank responded with that they were not at fault thus no reimbursement of the rental fees. The total amount that I was seeking was {$950.00}.
Product: Mortgage

It all started back in XXXX when I originally applied for a mortgage with Chase, the process was dragged out. They tried to find every excuse not to give me a loan. I had a consistent job, my credit score was in the XXXX, I had the income and the down payment. A few days before my original closing after sending all the documents they needed, I suggested and had to find a Co borrower for my mortgage because they said I didnt qualify for the loan. 
This next incidence was back in XXXX of XXXX. I applied for a refinance to help lower my payments, save on interest and take the co borrower off the loan which he helped me with. He needed to apply for credit for his own personal reasons and wasnt able to because he was on my Mortgage. I had the same job, my credit score was still in the XXXX, didnt miss any payments and had equity in my home. I was receiving income from the same job but was just on workers compensation. I was told by the representative after a long conversation going through the application and answering all the questions for qualification and her explaining what my rate would be ; to reapply after I go back to work. I later on emailed her and told her I think she was violating my rights because I have a source of income. She proceeded to process my application and set up where I needed to upload my documents including my pay stubs. Which I uploaded and sent. Days later passed with no response and I reached out to see if she received my documents. She told me that they needed to have a letter stating when I will go back to work. I told her I didnt know for sure and couldnt produce that but I can upload a job verification with XXXX protection. She ignored my calls from the beginning and continued. I emailed her and even CCd her supervisor to get updates with no response. I finally got an email back and she said she will get back to me to see if my letter was enough. She also explained that the other letter I sent stating 2 years of XXXX was not enough. Weeks went by and my application was just closed. No notification by email, telephone call or written denial letter. 

I was treated very unfairly and discriminated against because of a temporary XXXX that she pointed out as in attached email. They denied me all the possibilities to help me lower my payment. They didnt care if I would have been in a future situation, that could have led to me losing my home. I have been receiving a lot of refinance letters, since interest rates have gone down and they didnt even give me a fair chance. XXXX XXXX owns my loan and Chase act like they couldnt help me. They denied me my equal rights just as everyone else to apply for refinance and to be treated fairly. I have suffered mentally and financially and I am highly disappointed because I have put all my financial trust in Chase being a customer for over 10 years with banking and credit cards.
Product: Money transfer, virtual currency, or money service

PayPal email me this ( You can no longer do business with PayPal ( Ref ID - XXXX ) I'm Calling PayPal today to restore my account and I'm begging for a chance and for an opportunity to restore my account but they said that the issue is final, I want my account to be restored in order for my business will continue. I don't make any problems with them I'm not violating their rules and I don't have any disputes in my account., I was shocked that they email me that my account was permanently limited. that is not fair to me, I'm only doing good business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc the inaccurate accounts caused the FTC and FCRA violations see attachments XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. {$330.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute
Product: Money transfer, virtual currency, or money service

Huntington bank will not connect to the XXXX XXXX app properly.
Product: Debt collection

I sent a dispute letter to Account Brokers for a medical debt from  6 yea rs ago requesting validity of debt. They responded by serving me a pattern interrogatories unde r CRCP 369 le tter. No court date was listed on the letter and it was not signed by the court. The women who served me at  XXXX  at night threatened that if I did not comply, that I would be arrested. The case number they had listed on the letter was from XX/XX/XXXX   T his is not only an illegal threat it is also in violation of the  SOL in   Colorado since the debt is from    XX/XX/XXXX .   Also, falsifyi ng information.
Product: Mortgage

My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad.
Product: Debt collection

CB/ IndigoXXXX XXXX has information that is reported to my credit file on XXXX which is incorrect and does not reflect XXXX XXXX XXXX XXXX This is not my account and I would like for it to be removed from the credit file.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with LVNV Funding LLC. They did not provide me with original contract as I requested.