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

I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. Mountain Land Collections obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted Mountain Land Collections to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.
Product: Mortgage

I closed my escrow account XX/XX/XXXX Select Portfolio Servicing. The servicer claimed to send a check at that time. I called XX/XX/XXXX and was told that it was issued XX/XX/XXXX ( never received ) I requested a new check be issued and was told it would be 3-5 business days. Its now XX/XX/XXXX and I called, they have yet to even issue my check returning those funds as its tied up in a work ticket inside their own system. When I call to find the check, I get told that its a process and a small team. I requested the check be overnighted and tracked - and they say they can not do that. Its ridiculous that I cant get the money back in any other form than a check mailed through USPS, untracked and not monitored. The entire Escrow process is a debacle with this company. They take MONTHS to remove it and MONTHS to return MY money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent inquiries from my credit report. I am a victim of a data breach, and these inquiries are the result of identity theft. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed from my credit file. 
Fraudulent Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I requested a quick loan of {$700.00} and found out after agree ment that it would cost me upwards of {$3000.00}. This type of lending is unauthorized in the state of XXXX.
Product: Checking or savings account

I started a dispute for a transaction on my account on XX/XX/2018. BBVA Compass says disputes can take up to 10 days to be handled and will notify me if they need anything. 

Today, XX/XX/2018, I created another dispute for another transaction on my account ( from the same company ) and found they denied my previous dispute. I called the number provided asking reasons why it was denied. The gentlemen started reading MY dispute but did not inform me of the reason. I asked again for the reason which he replied he would contact the investigator. After about 15 minutes of this ( asking for reasoning ) he stated there was no evidence to support my dispute. I told him that was correct, there was no evidence why the company would charge me twice in one month for something I don't have. Again, he stated not the evidence for the company but for my side. I informed him that no one ever contacted me for evidence or the contract. This time he gave me an email to send the contract to. I asked for him to open both disputes again and please handle it properly. 

Any other merchant service will dispute directly with the company, BBVA Compass bank does not do this. I don't think they do anything. Their dispute process is completely fraudulent. When I asked for the company 's merchant services so I can dispute directly he refused to give me any information. XXXX won't let consumers directly dispute since everything is handled through the providers ( in this case the bank ). I still don't know the information for the company 's merchant service provider as I could directly dispute with them and they would help I am sure. 

I asked for a new debit card and they refused since they won't consider them fraudulent charges, even though I have never authorized the charges. 

BBVA Compass is not disputing anything, they simply sit on a transaction for as long as possible and then close it with no evidence or support. They won't even file disputes on the consumer 's behalf ( their member ).
Product: Student loan

I have been enrolled in the XXXX  plan since payments resumed in XX/XX/XXXX. However, MOHELA continues to show accrued interest that has not been forgiven, despite my paid balances each month. I reached out multiple times to ask when this interest balance would be forgiven and how this error would be avoided in the future, and I was given unhelpful and redundant responses on XX/XX/XXXX and XX/XX/XXXX. Due to this, I can not pay down my principal balance at will. If I tried, any payment would be applied to interest and require me to reach out to MOHELA to resolve this same issue of the prior interest not being forgiven, which they have shown they have no interest in helping to resolve. Interest currently stands at {$5200.00} on a total {$280000.00} principal loan with 6.00 % interest. Based on these numbers alone, it should be clear that on-time payments made on the XXXX plan should have led to forgiveness of this interest. MOHELA directly replied that, " however on the XXXX of each month for the month prior, that interest that accrued for the prior month will be cleared ''.
Product: Credit reporting or other personal consumer reports

The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Additionally, I am writing to address specific discrepancies on my credit report that align with billing errors as defined under 15 U.S. Code 1666 ( b ). These errors fall into the following categories : Failure by the creditor to accurately reflect a payment made by me or to properly credit my account on the statement. 
A computational or similar accounting error made by the creditor on the statement. 
I believe that the creditors failed to provide me with a billing statement at least XXXX  days prior to the payment due date, which would invalidate any claims of late payment under the law. I am requesting concrete evidence from the creditors ' bank records to verify their assertion that I failed to make a payment. Any resulting designation of " late payment '' is likely the result of an invoicing error. 

Therefore, I respectfully request that the entries for the accounts listed above be promptly updated on my consumer report to accurately reflect their status as " paid as agreed. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Dear Navient, student aid.gov I hope this letter finds you well. I am writing to formally request consideration for loan forgiveness for my school closure. 

I am requesting this forgiveness based on school closure. I believe that my situation aligns with the criteria outlined for forgiveness under [ mention the specific program or statute, if applicable, such as Public Service Loan Forgiveness, Income-Driven Repayment.

I understand that you may require additional information to process my request and am happy to provide any further documentation as needed. 

Thank you for your time and attention to this matter. I am hopeful for a favorable response and look forward to hearing from you soon. Please feel free to contact me at [ your phone number ] or via email at [ your email address ] should you need any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I was member of creditrepeir.com, services for two years. 
On day, I was sign with creditrepair.com services, I was late with payment on my credit card due to sickness and death of my beloved wife and at same time we are was in major hurricane Harvey The are tell me, how late payment is easy to remove, and that will not take long. 
After two years, I was remove most of my late payments without any help from credit repair.com, buy always, the are telling me, how the are working hard to remove everything. 
I was also, notarized numerous letter, the are send to me, because, the are tell me, how creditors and credit agency will take my case more seriously. 

Every time I was contact creditrepair.com, the are was different story. 

Per some agent, XXXX was remove my negative item, and same day is re report once again, per some other agent, different account with XXXX XXXX XXXX, was remove, but the are never show on my report, per other agent, my credit is not in deliquwncy and I don't need hurry up. 

I have so many different story from creditrepair.com, that I can write bestseller book In two years with creditrepair.com from Utah, Washington State or Arizona, the are never seriously take my case and help me out. 

Also, after I was put pressure on them, the are close my account without my permission or any explanation. 

In two years, the are just collect my money for membership, without any help or explanation why they can help me. 

After I was done my research on line and also with some ex employee of credit repair.com, some of ex employee, the are tell me, they will not help me or they will take more time to pull as much money as they can. 

The are was numerous lies to me just to not help me out, but collect my monthly payment Also, per XXXX  agency, creditrepair.com has review of big F, and the are under Federal investigation. 

Respectfully XXXX XXXX
Product: Checking or savings account

I was reported unauthorized transaction on XX/XX/XXXX for claim total {$7700.00}. They reply me email on second day saying my claim was denied. Then I send email to them ask why my claim was denied and they said will email me the documents for the reasons. After that they send me a email that will closed my checking account. I feel very angry and I want my my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted TransUnion, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
5. I contacted XXXX and told them to report my account number XXXX but to no avail. 
6. Later on, I consolidated my two accounts as in my complaint with CFPB ID # XXXX.
Product: Debt collection

First Financial resources is attempting to collect a debt not owed and is in violation of consumer debt collection market defined by 12 CFR 1090.105. 

I requested that the company validate the debt, which I do not owe. Instead they failed to validate the debt and continued with the debt collection. Instead of validating the debt, they sent, what appears to be a fake document, which in any instance does not validate any debt.
Product: Credit reporting or other personal consumer reports

I mailed out XXXX disputes to the consumer reporting agencies and I have not received a response from them at all for either dispute. 

My first dispute consisted about XXXX collection accounts that I was not aware of nor did I receive any initial communication from the debt collectors. The accounts goes as follows ; XXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ]. I demanded that they conducted an investigation of this unverifiable item and have them provide proof by submitting the XXXX tracking number and the green return receipt bearing my signature XXXX business days prior to furnishing such information. 

My second dispute consisted of a charged off account. The account goes as follows ; XXXX XXXX [ Account XXXX : XXXX ]. With this account, I claimed it was inaccurate due to the fact that the furnisher of information did NOT provide me with a written notice that they were going to furnish negative information on my consumer reports. Pursuant to section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act the furnisher of information violated my consumer right. In that dispute I demanded that the consumer reporting agencies request proof from the furnisher that they have provided such notice prior to furnishing or 30 days after.

I am demanding that they delete all 4 accounts from my consumer reports as it is unverifiable. I also demand that they provide me a description of the procedures used to determine the accuracy and completeness of the information including all of the documentary evidence as described in 15 U.S.C 44 when they mail out the investigation results.
Product: Debt collection

Credit acceptance corp has sent me a summons and also bankruptcy attorneys have sent advertisements but to my boyfriends parents house, somewhere I have never lived, and this is someone I dont have contact with. I dont owe these people money but after going to court connect I see a lawsuit for me, they have the wrong addresses, I have never lived at XXXX XXXX XXXX I have never even used that address for anything. They have never sent me anything personally, this was a loan taken out by my ex husband in XXXX  and that was XXXX XXXX XXXX which is beyond the statute of limitations, as far as I know, no payments or even communication have been made with this company, sending my personal information to people I am not even related to is beyond a breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points.

Today I talked with a supervisor who said that all he could do was file another dispute even though Experian has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Experian with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.
Product: Mortgage

We had been making bi-weekly payments on our mortgage for some time and paying extra towards principal. On XXXX/XXXX/16 and again on XXXX/XXXX/16 they pulled the payment from a different account at the same bank ( not sure how they got that account # ). This resulted in the second payment coming back NSF which alerted me to the problem. I immediately transferred money to this account and contacted Ditech. They claimed that it was impossible for them to get the other account information so it had to be on my end or the banks. The payment did go through the 2nd time it was processed but then Ditech sent me a refund for that payment? I then cancelled the autopay per there instructions and set up and electronic payment for XXXX/XXXX/16 to pay the next payment that was due on XXXX/XXXX/16. On XXXX/XXXX/16 I became aware that they did not apply the money to the payment due on XXXX/XXXX/16 but instead put some towards principal and {$420.00} towards some type of bogus corporate late fee? I called on XXXX/XXXX/16 and talked to XXXX (? ) and she told me that the funds would be reallocated properly and all late fees removed but it would probably take a few days. I have been checking my account every few days and calling every few days and always get someone different XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX that tells me that they can see that it is in for reallocation and that I do n't need to worry, all late fees will be removed when this is done and it will not damage my credit. It is now XXXX/XXXX/16 and it is still not done and my next payment is due on XXXX/XXXX/16. I refuse to send another payment until they straighten out the original payment because they tell me it will go to the past due payment of XXXX/XXXX/16 and I know this will further complicate things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Product: Credit card or prepaid card

I had Bank of America Master card for awhile, payment history always on time with automatic payment set up. 
All of sudden this XXXX without any notification the Minimum payment increased, so that my automatic payment didnt fulfil their minimum and they changed me late fees and interest. 
In XXXX I payed off the whole balance to avoid such charges inconvenience. The also charged me late fees and Interest which I think is totally unfair. 
BOFA mobile app is confusing to use and cant reach them through the Contact options Trying to contact the Customer service is unpleasant experience ; long wait time and unprofessional Another previous bad experience ( resolved ) with previous credit card through them ( XXXX issued through Bank of America they had calculation issues which they resolved after many calls and hours of waiting time, in addition they replaced the card to another different card that doesnt hold their name that I received by mail without information what the card is about which is unprofessional way to deal with customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. Then copy all the inquiries. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The XXXX XXXX overcharged me and charged me for days that I wasn't there came into me and my husband room while we was gone housekeeping and didn't ask for their service violated my privacy and discriminated Capital One keeps denying my client and I've sent in documents showing them that the XXXX XXXX is wrong Capital One is acting like they are trying to keep my money and not investigating my account properly that been go on since XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second time filling a complaint with BSI financial Services this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.