23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I see that you recently shut down XXXX XXXX for the exact same things my mortgage servicer, CMG Mortgage, is doing to me. I have been given the run around by them and there is a scheduled sale date on my property for XX/XX/XXXX. I have never had a review for mortgage assistance go through a full review, even though I sent them all the documents they wanted. I went through some difficult times, but now have more than sufficient income to afford my payment. CMG Mortgage wants the full reinstatement amount or they will take my home away. I feel that they should have done something to help me rather than just sell my home and sweep the matter under the rug. I am certain that my loan qualifies for one of the modification programs available to homeowners. I have been in my home for 13 years and received a terrible loan that caused me to struggle financially from the start. Due to significant health issues and, in large part, to the high mortgage payment, my finances were on rocky ground since loan origination. Then I suffered a further setback emotionally and financially when my brother and mother died. They were helping me with the mortgage payments and this further exacerbated my financial situation. I refinanced the loan in XX/XX/XXXX, but then suffered an XXXX   and fell behind on my mortgage payments. I reached out to the CMG representatives and they advised me that they would help me with my delinquent mortgage. I began the loss mitigation process with and sent in all the documents they requested. However, they never completed a review even though I had all the requested documents and I am not sure why my loan was not approved for a modification. I am not sure where I am in the process, except that I have a sale date scheduled on my home.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This debt is over XXXX years old, and I believe it may be outside the statute of limitations for collection in Washington.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.
Product: Money transfer, virtual currency, or money service

I received an email from Paypal which I use as a banking account saying that someone had been using my card and if this was it a purchase that I made or not it was it it was a phone number I called it I questioned the gentleman about his wanting information from me that you wouldnt normally ask so I asked for a supervisor he put a supervisor supposedly on the phone then he started getting hostile with me because he could actually see what I was doing on the cell phone so when I would type I have entered the wrong information hes like no not there go here and then I tried questioning him again about what it was about and he said well we want to find the IP address of where this person took your money once we find the correct IP address then you will receive your money back to the card right away it still sounded fishy to me but I was just really tired because I had it my mother pass away and I live in Texas shes in California and the money I had in that account it was going to be used to go there and have it serviced and I just typed in what he told me to type in then at the end of the conversation he proceeds to tell me youll get your money back in about 45 days and I said you told me right when we were done you were putting it back in I told him Im calling the police Im calling Paypal because obviously youre not Paypal and I called and they used I had like four cards they added a card in my wallet and stole a proximately {$5000.00} Ive been calling trying to get help from every avenue because I need that money my younger brothers and sisters I need to be there for them and I cant because they took the money that I had and I hope that we can get some resolution also I use talk to text so it probably may have some misspelled words sorry
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to Transunion and XXXX regarding XXXX XXXX on my credit report. The Supreme Court ruled that this is not a credit transaction and I never gave permissible purpose for it to be placed on my consumer report. Id like this removed from my credit report as its reporting inaccurately and causing denials of credit and sleepless nights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/21
Product: Vehicle loan or lease

I called Bank of America in regards to my vehicle loan to update my address on record on XX/XX/2022. I spoke to the representative from South Carolina, who stated that I paid of my loan and can cancel the payments. She went on to tell me that the title to the vehicle, payoff letter, and a check for the overpayment. I was not sure if I was hearing her correctly ; so, I asked the representative to speak to my accountant on speakerphone to make sure that we had the same understanding. She continued to tell her that the loan was paid off. My accountant 's son walked in the room and also heard this information. She provided me with a confirmation number for the payoff. I waited for one week to see if I was going to receive this information, but it was not received. I called Bank of America again on XX/XX/2022 to confirm that the information was mailed out. This representative told me that I had a remaining balance on the vehicle loan and was not sure why I was provided this information the previous week. I told him that I was given a confirmation number for the payoff ( which was provided to him ). He did not clearly state if he found anything. I explained to him that I was confused and upset about this misinformation that I was provided. I asked for a letter stating that Bank of America provided wrong information in regards to my loan, which he said might not be possible. He forwarded the call to the team that can expedite this issue. This representative understood that I was very upset about being given false information. He is going to try to forward the information that could possibly help clear things up.
Product: Checking or savings account

I bank with Regions Bank. I made a mortgage payment on XX/XX/XXXX.  This was a Thursday. The payment became a pending transaction on I believe Saturday XX/XX/XXXX. The payment posted on Monday XX/XX/XXXX. Sometime there after, some small debit card transactions overdrafted my account, even though I opted out of overdraft protection. By opting out of overdraft protection, my debit card is supposed to decline transactions without an available balance. On Tuesday XX/XX/XXXX, I recieved an email about my account being overdrafted. On my lunch break at work, I drove to the bank and deposited XXXX dollars cash with a teller inside the bank which was enough to cover the XXXX dollars and some change negetive balance. The bank teller said she could not explain how my account became overdrafted because I opted out of overdraft protection. She also said I would incur no fees and asked about transactions related to my account, none of those transactions being my mortgage payment, im assuming because it had already posted. She gave me her card and told me to call her if there were any issues and that she did not think and was pretty positive Id incur no fees. She printed off my statement. So, on Wednesday XX/XX/XXXX, I checked my account to see my mortgage payment returned and a returned item fee for the returned transaction. That same day, I contacted my morgtage servicer and they had not recieved a returned payment notice. My mortgage servicer is XXXX XXXX XXXX. I find the timing of this to be very suspicious, as I am behind on my mortgage and have until XX/XX/XXXX to pay past due balance or the bank will start the forclosure process. Now, I dont know how to make my mortgage payment. I dont know if I should make 2 payments or 1. I dont if the my mortgage servicer will attempt to make that payment again and I will not have enough money in my account to make 3 mortgage payments in 2 transactions.
Product: Debt collection

continue to try and collect on a debt thats already paid for 12 usc 1813, need to be updated as paid in full and discharged
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to ta timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my claim. I attempted to call Experian and their computer automated system is programmed to ONLY provide self-service options that the system can handle. They have a responsibility to take and answer phone calls from the consumer population. I have two accounts with XXXX on my credit file. I informed Experian they were being reported incorrectly and have been for years. XXXX properly investigated my claim and as a result deleted these items from my credit file. I provided Experian proof of this deletion. This account has been reporting a balanced owed, a monthly past due amount, and that is been charged off seven years ago. I filed a complaint with Experian and the only thing they updated was changing my balanced owed to XXXX. However in the account status notes is still reports monthly the total amount past due. This is incorrect. There is no past due amount. It was charged-off in XX/XX/2017. These accounts are set to drop from my credit file next month. Therefore I do not understand why Experian isn't properly processing my investigation request. Refusing to accept calls and continuing to report this incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a few different situations that i've made multiple complaints about. The first being the reporting agencies are reporting false information and using my info improperly. I believe ive been a victim of fraud or identity theft because most of the inquiries i don't recognize. Ive never applied or given authorization for those companies to use my credit. Also the car dealership that i went to said they would only run my report through 1 lender and i check my credit and i have all of these inquiries which are not authorized.

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the below account names and numbers 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan that appears on my credit report is not mine. I've submitted an FTC Identity Theft Affidavit but, the loan still appears on my report.
Product: Student loan

I have paid my federal loans consistently since 2015. I paid during covid, and while I was earning a principal certificate. For a few months, XXXX charged me a late fee ; I inquired. XXXX claimed I did not indicate for which loan I wanted my payment applied. XXXX never sent a message that this was a new procedure. Their lack of communication cost me money. I suspect it is not a new policy but a way to scam people out of more money. Next, I applied for a public service loan through Mohela. I waited an entire year only to find out they had " lost my application '' because, at that time, I had to send a paper copy. I applied again and was accepted this past summer. But, by the Fall, I was not receiving credit- when I inquired, They reported that I no longer worked for a qualifying school. Not true- I have worked for XXXX XXXX for XXXX XXXX  Consequently, the payments I made during this time, " did not count ''. I have messaged Mohela several times to tell them I did not want my loan to be in deferment ; they didn't respond. I have paid faithfully, but none of the federal student loan companies have dealt with me fairly. They seem to work overtime to make paying off my loans difficult. Their fraudulent behavior has cost me more money than I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.
Product: Credit reporting or other personal consumer reports

Dear Comenity Bank/VICSCRT, I am writing in response to your correspondence dated XX/XX/2024, regarding the charged-off account associated with my name. After careful review of your response, I am compelled to address several concerning issues regarding the handling of this account and its impact on my consumer rights. 

In your response, it was acknowledged that the account in question was charged off, indicating that the debt was considered written off. According to IRS regulations, any charge off is treated as canceled or forgiven debt, which in turn, is considered as income. This action raises two significant violations under the guidelines of all three Credit Reporting Agencies ( CRAs ) : firstly, income is not to be reported on any consumer report, and secondly, a charge off indicates canceled or forgiven debt, which should not be reported if there is no outstanding balance. 

Furthermore, your response indicated that this charged-off account was sold, which further compounds the violations of my consumer rights. If the debt is indeed canceled, as indicated by its charged-off status, how is it permissible to be sold to another entity? This raises serious questions regarding the legality and ethicality of the actions taken by Comenity Bank/VICSCRT . 

As these violations are federally regulated, I demand that this charged-off account be immediately deleted from my consumer report. This will be my final demand before pursuing legal action against Comenity Bank/VICSCRT and the three CRAs for their complicity in violating federal law, specifically 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Had this requirement been met, it would have been evident that income is not to be reported on consumer reports, as stated on all three CRAs ' websites and guidelines. 

I urge Comenity Bank/VICSCRT to rectify this matter promptly and in accordance with the law. Failure to comply will result in legal action to ensure that my consumer rights are upheld and that justice is served. 

I expect a timely response acknowledging receipt of this letter and confirming your commitment to resolving this dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX of XXXX i got approved for a mortgage modification which has been received by my mortgage lender Ameris Bank formerly XXXX XXXX  for new mortgage loan. I've made on time payments as of current. But in XXXX of XXXX i called in to make a payment and they told me i was behind on payments. I told them i have been approved for a mortgage modification in which they claim they do not have on file. I sent them the letter with the official seal to verify it but they did not acknowledge it. I sought legal representation from legal shield to help but they continued to not acknowledging my official documents for approved mortgage modification. Which is why i am sending this complaint.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED NAMES ALONG WITH ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting

I am not sure you can help me but I have reviewed my credit report numerous times. I have paid my bills on time for the past approximately 10 years and the problem is my credit number does not increase. My status has changed to retired person but even when I was working and making over {$100000.00} and paying bills on time does not positively affect my credit score. 

Can you help with this issue. Perhaps there is something I am not seeing and I do not care to go to a credit expert because they always seem to be selling something. I know you act for my interest and would like some feedback on either your opinion or next steps. 

Thank you, XXXX XXXX