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

I have been disputing these accounts with the credit bureaus for some time now. They are Reporting that I have charge off accounts with XXXX and XXXX. I am not familiar with these accounts, I did not authorize these accounts to be open and they do not belong to me. I have contacted the credit bureaus about this issue and they told me to contact the direct creditor which I did and they were not able to verify these accounts belong to me so how is it that XXXX and Equifax are able to verify these accounts? How are they getting their investigation results? I would like to know because I have received nothing in the mail from either of them explaining how they are able to verify inaccurate information on my credit reports. I am sure there is a law that proves it is illegal to report inaccurate information and this matter should be corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Product: Mortgage

At the end of XX/XX/2021, I exited the COVID-19 forbearances for my loan into COVID-19 Payment deferral arrangement. My payments since are on time factoring in delays on the bank side in finalizing the COVID-19 Payment Deferral Arrangement. However the bank has charged me late fees and charges on my loan, has reported me as not current to the credit bureaus and has started moving the property to foreclosure. 

Bank/Mortgage Servicer details : Specialized Loan Servicing : Part of the XXXX XXXX Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please help me with this erroneous account reflected on my credit report. It's affecting my reputation, and I seek your assistance.
Product: Money transfer, virtual currency, or money service

I was at a pnc ATM at a XXXX gas station I used my XXXX XXXX card to withdraw {$220.00} it said it couldn't do the transaction an then gave me my card back an then {$220.00} was all the sudden taken out of my account for the transaction but never dispensed any cash I went to the manager they said they don't deal with it to call the ATM place. I called PNC. They told me to go down to the nearest branch. I did that and they wouldn't give me any help or money. They told me I had to refute the transaction with XXXX XXXX so I did that and they said it could take 10 days if they'll even do it when PNC is the owner of the ATM and it didn't give me any money but took the {$220.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX
Product: Mortgage

Select portfolio servicing , Inc . 
XXXX XXXX XXXX XXXX, Ohio XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX are attempting to foreclose on my property at XXXX XXXX XXXX XXXX SC XXXX 1. They have denied my modification. 
2. They are foreclosing on me with an assignment that was fraudulenty created and robo signed. 
3. They pooling and servicing agreement that was filed with XXXX securities exchange clearly indicates that all conveyance were to have been done 90 days within the cutoff of the trust. 
4. The loan was placed in the trust 6 years after it closed. 
5. XXXX XXXX XXXX did not respond to my debt validation and Select Portfolios did not respond properly to my written requests. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account USAA Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Product: Checking or savings account

Chase Bank has started charging me a service fee if I don't have enough money in the account, which is unethical and unacceptalbe. They've also started charging me overdraft fees if I overdraw my account, even though they are not supposed to if I put money back into the account on the same day on which it's overdrawn. You can get them to refund the service fee, but you have to call them and it takes forever and they're really horrible about it.
Product: Student loan

I have requested that my payments made during the COVID pandemic be refunded on XX/XX/2022. I have been told that it would take over 150 days to receive and when asked for proof that they filed for the refund, I was not given any proof that they had filed for my refund. The Biden administration has stated that the paperwork for forgiveness would become available early XXXX, and loan service providers should provide refunds in a reasonable manner so that I can receive my full forgiveness.
Product: Credit card or prepaid card

Fraud was reported to the Account on XX/XX/XXXX at approximately XXXX. On XX/XX/XXXX ( the same day ) Capital One determined quote believe you or another account user benefited from the transactions which could not be farther from the truth. As I explained to the multiple representatives I spoke with, I have a proven track record of paying my account in full and on time. I have never missed a payment. Why would I all of the sudden have bounced payments and charge up a $ XXXX balance on a card with a XXXX limit? I am not benefiting from this because it is affecting my credit report and Im being liable for charges that I did not approve. Capital One advertises a Zero Liability Fraud program yet doesnt even look into a fraud report for more than 24 hours from a valuable customer who has a PROVEN track record of responsible credit use and timely payments.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized inquiries on my credit reports that I did not benefit from. I need these fraudulent inquiries removed from my credit reports immediately. I also have noticed some incorrect balances on my accounts, especially for my XXXX XXXX XXXX which I would also like to have corrected.
Product: Checking or savings account

As a Bank of America customer since XX/XX/XXXX, I believe I was charged over {$2500.00} in illegal overdraft and late fees. In XXXX, I asked a bank teller for the amount of late fees I had been charged, but this information was denied to me. The account was later closed. 

I received a {$3.00} check from the XXXX XXXX Bank of America NA XXXX on XX/XX/XXXX, and a {$34.00} check from the XXXX XXXX Bank of America XXXX on XX/XX/XXXX. Due to personal difficulties, I requested a reissue of the {$34.00} check on XX/XX/XXXX, but this was denied by the managing law firm on XX/XX/XXXX. This means I did not receive the {$34.00} owed to me from that settlement. 

On XX/XX/XXXX, I received an {$83.00} check directly from Bank of America, and on XX/XX/XXXX, I received a {$120.00} check, as part of the consent reached between Bank of America and the CFPB on XX/XX/XXXX. 

Receiving less than 10 % of the amount illegally taken from me by Bank of America feels like an unfair reparation for the damages caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 10 months ago I canceled my contract with XXXX  and waited for them to send me a box to return my equipment. It took several months for them to send the box. In the meantime I got XXXX. I did not realize XXXX was still charging me monthly and I paid for several months. When I finally received the box I sent back the equipment. I then received a notice that XXXX reported me as late to the credit bureau and the account was in collections. I called XXXX and was told they could not find my cancellation but was also told that they saw that I had voluntarily ended the contract. This being reported to my credit bureau has dramatically reduced my score. 

I contacted RPM and explained the situation. I have been speaking with somebody for a week and I was now just told by email that it will take them a month to follow up. This is longer than legally should be and is really harming me because I am in escrow. I am about to buy a home I have saved up money for and it will be in a very safe neighborhood. I am going to be XXXX XXXX XXXX Ive been XXXX  for 18 months that has health conditions and its important for me to get him into a very good school. I just put down a deposit and now this is showing up on all my reports and I will lose this house and likely the $ XXXX for a deposit over a {$170.00} bill that I should never have received.
Product: Credit reporting or other personal consumer reports

recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy. These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/year> XX/XX/year> If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : XXXX POLICE REPORT XXXX FTC Report XXXX documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like Experian and XXXX DID. 
Fraudulents accounts : -Account # 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 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 or other personal consumer reports

Please take urgent action to remove the fraudulent ACCOUNTS from my credit report, as they were not authorized by me and are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since agreeing and taking an auto lease with BMW there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the BMW Financial Services Contact Center in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to BMW along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, 3 attempts in XXXX and 4 attempts in XXXX - when finally BMW decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however BMW took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted BMW and there seems to be no sense of urgency to resolve this very urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed incorrect information over 30 days ago and haven't heard anything! What can I do?
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit card

I am writing to file a complaint regarding the denial of my credit application by Capital One. Despite having an exceptional credit score, my application has been denied three times without clear and fair reasons.

First Denial : Capital One cited that I had previously opened and closed a similar card as the reason for the denial.

Second and Third Denial : I received no clear reason for the second or third denial, which is causing significant confusion and frustration.

Despite my requests for a detailed explanation, Capital One has not provided sufficient information to justify their decisions.

I have reviewed my credit reports from the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) and found no inaccuracies or discrepancies that would justify the denial of my application. 

I am seeking assistance in resolving this issue. I appreciate your attention to this matter and any support you can provide. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

I need to report a serious violation of Care Credit that needs investigated. I have had a care credit card for XXXX  years and over the past XXXX  years my card number has changed for various reasons, either i lost the card, or it expired, or the card number just changed. I believe my card number was changed 5 times in the past XXXX  years. 
Now here is what is going wrong and needs fully investigated. as it just happened to me again with care credit. I made a payment of {$400.00} that posted to my old account number ending in XXXX and in a normal banking situation the credit of {$400.00} should AUTOMATICALLY MOVE OVER TO THE NEW ACCOUNT NUMBER. My new account number is XXXX ..however care credits system does NOT automatically moved credits over. so that means I have money sitting on OLD account numbers that care credit never moved over to my new account number. that is illegal. that means they are keeping money or mine and not crediting my accounts that are due credits. that is illegal. I am demanding my payment of {$400.00} that is on account XXXX be transsfered over to my new account number ending in XXXX. 
and I am also requesting care credit to go back XXXX  years and LOOK AT ALL MY OLD ACCOUNT NUMBERS AND SEE IF THERE ARE ANY REFUNDS OR CREDITS ON ALL THESE OLD ACCOUNT NUMBERS DATING BACK XXXX  YEARS TO SEE IF THERE ARE CREDITS AND REFUNDS DUE TO ME. IF SO THEY NEED TO SEND ME A CHECK IN THE MAIL ASAP
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management Address : 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  Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that XXXX. XXXX of XXXXXXXX XXXX XXXX in XXXX ofthe dot fom tho original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX was a victim of XXXX XXXX and now recovered below I have attached my proper documentation of proof showing i'm a recovered victim of XXXX XXXX 

I will also be attaching my proof of identity.
Product: Credit reporting or other personal consumer reports

Hello, Im a XXXX XXXX XXXX married man. I have never missed a payment on any of my credit nor mortgage nor student loan accounts my entire line ( 13 years of all payments on time ). 

I had just bought my first small home and remodeled it with my wife. The whole family helped and it took a year of hard work and hard earned money to get it the way we always dreamed of small but cozy with a family feel.

Then, right when we finished the remodel, two nationally declared hurricanes hit our home back to back and destroyed the entire home inside 2 feet of black and salty water came in even though we had sandbags and flooded the whole house and destroyed everything. We had to jump out of the house and swim to safety half a mile away where the fire department and ambulances were waiting for people.

I called freedom mortgage for help. They told me they would let me postpone my payments until XX/XX/XXXX and that wed apply for a program to move the payments to the back of the loan. I called them at least six times every single person told me I didnt have to make a payment at this time because I was on their disaster plan and that theyd applied to underwriting to have my loan balance put to the back of the loan.

I kept calling and asking if there is anything I had to do. They took the same information about it my income and everything multiple times and then kept saying they had to do it again. Finally, I got an alert that they reported 3 months of past due mortgage to the credit reporting agencies! That is scandalous! All they had to do was call me and tell me that I need to make a payment or anything. They never even called. And every time I called it is still in some process of underwriting. They wont give me a simple answer of when my next payment is due and they cheated me by going after a disaster victims credit for no reason when I was in contact with them the entire time and they promised me I was on a disaster payment postponement. I am so hurt by freedom mortgage. They XXXX  me in the heart with this going after the most important thing I have my credit for no reason especially after telling me on six different occasions that no payment was due and especially since I was on their hurricane postponement plan and my entire home was destroyed by a national disaster. This is so horrible and evil. How could they do this to my wife and me? This isnt Freedom, this is destroying someones entire life by reporting to the whole world that I dont pay my mortgage even though it wasnt supposed to be reported! 

If they do not resolve this I am posting this to the XXXX  to help and warn others so that they dont get their lives destroyed by freedom mortgage and Im also going to small claims court for the maximum amount of compensation because destroying my credit and not letting me refinance nor buy a car nor anything will cost me tens of thousands of dollars and incredible suffering. Theyre punishing the person who is talking and working with them and never missed a payment in his entire life! Scandal