23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing to address this organizations refusal to assist with credit reporting. As with many others I was severely impacted during this past year. After losing a company, a job, my brother, and my father to XXXX, I like many others found myself unable to meet my obligations. America First Credit Union advised they understood what I was dealing with at the time and agreed to defer payments and limit collections on account during this time. However, they failed to provide any real options for assistance and instead have reported this account as being delinquent for the past year. How can an organization that is doing business in America during a pandemic absolutely disregard the needs of its consumers and continue to report detrimental information after advising they would assist. It is of no help to offer to hold off on payments and collection proceedings due to a worldwide pandemic, however still lack in the actual real help provided to people during such a difficult time. After burying my brother and father within a few months of each other I have been able to get myself back to current however am attempting to address the substantial delinquent claims being made to my credit reports. I have attempted to contact America First to discuss this discrepancy within their claims of assistance however was met with an unwillingness or desire by its associates to assist in correcting this. I will ask that America First review its decision to refuse assistance with regards to credit reporting based on the multiple hardships and losses that I personally faced this year and to please review and reverse its decision for negative credit reporting. To provide assistance to its consumers it must fully understand the position of its customers and adjust its practices and procedures during times where the whole world has had to make concessions based on a virus that has crippled the economy and set records for the amount of lives lost. I am able to provide any and all documents that would be requested of me to validate my claims of loss and hardship.
Product: Debt collection

1.I have never had an account with this company FROST ARNETT XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FROST ARNETT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

I was contacted stating that my information was exposed during a data breach from the Credit Reporting Agencies. I begin to monitor my credit report. I recently noticed a list of credit inquiries I did not authorize nor did I request. Furnishing information to my credit profile without my written consent is in violation of 15 USC 1681B. I have not authorized any of these creditors access to my credit profile. The creditors include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not familiar with these companies.
Product: Credit card or prepaid card

I am writing in response to the enclosed letter from Citibank concerning my request to increase the revolving credit limit on my Citi / Advantage Executive Wold Elite Mastercard. The letter states Citibank is unable to approve the request because when reviewing your account history with us, we saw a bankruptcy and/or charge-off on a Citi issued credit card. 
I have no history of bankruptcy or charge-offs with any debtor. I have conducted a review of information being reported by the credit bureaus and confirmed no derogatory information is reflected on my credit reports. I assume Citibank is basing their decision on information contained internally at Citibank. 
I have contacted Citibank Customer Service and was advised that they have no way of initiating an investigation to correct potentially erroneous issues as this is an automated system that makes these decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$23000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. Account name : XXXX XXXX account number:XXXX.account name : XXXX XXXX account number:XXXX. Account name : XXXX XXXX account number:XXXX.has violated my rights 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. 

As I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. 

I submitted letters from the XXXX XXXX XXXX California Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. 

I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. 

TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. 

I am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. 

I have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/XXXX and updated my NEW address in the state of GEORIGA where Ive resided since XX/XX/XXXX. Security Finance on XX/XX/XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize Security Finance in XXXX XXXX to pull my credit on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This company 's registration with the state of South Carolina was forfeited in 2009.They are illegally pursuing me.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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: Checking or savings account

On Friday XX/XX/2023, my mother XXXX XXXX was scammed of {$2000.00} using the banking app Zelle by XXXX XXXX of XXXX XXXX XXXX XXXX. 

We filed a claim with her bank, XXXX XXXX Bank and was informed that they were unable to help as Zelle claimed she authorized the funds. 

We are unable to locate this company and are not sure what we can do. My mother has XXXX XXXX XXXX XXXX and is looking for any help you can provide. It is not right to prey on the elderly. She is XXXX XXXX XXXX and on a fixed income and can't afford to lose money to scammers. 

Hopefully, you can assist us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to furnish DATA upon my credit profile. I am OPTING OUT any and all information being reported to Credit Reporting Agencies per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid-19 we received a letter from XXXX XXXX  stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. 
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, XXXX had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. 
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. XXXX classified these fees as late payments, whereas we have been making payments diligently every month. 
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.
Product: Mortgage

PHH Mortgage is repeatedly saying they did n't get my payments, it 's been happening since fall of last year. I mailed in a {$2700.00} in XXXX to catch up what they said I was behind and an {$850.00} check for XX/XX/XXXX 's payment. They sent back XX/XX/XXXX 's payment, which I mailed in XX/XX/XXXX. I received it back on XXXX XXXX, 2016. I called, told them they were n't getting late fees for sending it back, I copied it and remailed it within a week. I mailed XX/XX/XXXX 's payment in on XX/XX/XXXX, I mailed XX/XX/XXXX, late, on XX/XX/XXXX. The day after I mailed XX/XX/XXXX 's payment in, I received XX/XX/XXXX 's back again, saying that it did n't cover what was owed. XXXX XXXX, 2016, I mailed a check for {$3600.00}, covering all of XX/XX/XXXX through XX/XX/XXXX, less late fees since I have sent in the payments. As of today, they are claiming, AGAIN, that they did n't receive the check. I have tried contacting them via email about the check, I was told to call collections and make payment arrangements. I have paid! They are destroying my credit with their poor handling of their business. I can believe that MAYBE one payment does n't make it, but several? I am fed up!!!!! I tried to make a one time payment online today, it would n't let me. I get the run around. I think they are taking advantage of a XXXX, I am almost XXXX years old and have a VA loan.
Product: Debt collection

XXXX XXXX contacted my husband regarding a business matter and when my husband asked about the company she refused to provide any information. XXXX XXXX proceeded to contact my in-laws and try to obtain information from them but my husband was at there house and informed XXXX XXXX that she just contacted him regarding her concerns. My husband then called the number provided by XXXX XXXX XXXX XXXX and spoke with a mail customer service representative for BW Group. He informed my husband that they agency was an accounts receivable agency an account was placed with them for XXXX XXXX. The customer service representative stated that legal action was pending against me were a judgement and a wage garnishment was pending, but they wanted to speak with me about handing this account. When my husband requested information about which court the representative them stated that the legal actions was possible but had n't happen yet. My husband mentioned that he works in the legal field and begin to question the validity of the account. The customer service representative then requested which law enforcement agency my husband worked for and after it was confirmed that he worked in investigations the customer service representative then became aggressive and made some derogatory comments. He stated that my husband and mine credit reports were horrible and that we do not pay our bills. He stated that we are no responsible and needed to pay our bills. He stated that they have aggressive ways in collecting accounts and finding information on people. This phone call took place on XXXX/XXXX/2016 at XXXX. When my husband asked for the address to the company the customer service representative refused to provided it and questioned why we needed it.
Product: Credit card or prepaid card

On XX/XX/XXXX i receive my direct deposit as always, And on the very next day XX/XX/XXXX my money was gone. I call amex customer services to file a claim on a transaction for the full amount of my paycheck of {$1200.00} dollars after few days they reply on a piece of email saying that the transaction was authorized therefore my account is no eligible for a refund aparently someone login in to my account and schedule a transfer to their own account.
Product: Student loan

My account at Fed Loan Servicing was setup with " paid ahead status '' and 9 of my payments were n't counted towards Public Service Loan Forgiveness. It took a Fed Loan Servicing Borrower Experience Advocate to escalate my case to a PHEAA Consumer Advocate to get things resolved. He eventually got the ok from FSA/Department of Education to have me pay {$190.00} to have the 9 payments come into compliance and count towards the 120 needed for PSLF. Connecticut Senator 's office was also  involved. I was surprised to learn that Dept of Education 's Ombudsman was subcontracted to XXXX, XXXX in Kentucky. Three CFPB cases were opened on this matter : XXXX, XXXX, XXXX. Thanks to XXXX XXXX at Fed Loan Servicing, XXXX XXXX at PHEAA, XXXX XXXX at Senator XXXX 's office for their help in this matter.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Mortgage

I applied for special Covid related forbearance for my FHA XXXX XXXX backed loan serviced by PHH mortgage back after the cares Act was passed. I used the special Covid forbearance tool on their website. After 3 months of forbearance and now 3 payments, I am unemployment due to Covid 29 and still struggling. I called to request 180 days additional forbearance as per the law and was told my INITIAL forbearance was not even designated as.Covid related and this entire time I had been told it was
Product: Checking or savings account

I tried to open a CD account at Penfed which was promoted online. I opened the account online and they sent me the signature card requesting to sign and return with a deposit fund. I signed the card and sent it with a {$50000.00} check. After they cashed my check they told me that my social security card and ID card copies are not acceptable. I asked them to refund my money. It has been over a month since I have been calling them every week and asking for my refund and they say I get my check in 5 days, but no check yet. I am running around, losing money on my fund while they are making money on my fund. Why if there was a problem with opening an account they cashed my check? Why have they been making me run around for over a month and not refunding my {$0000.00}?
Product: Debt collection

XX/XX/2022. Wakefield and Associates and XXXX XXXX are attempting to collect a debt of orignial amount {$380.00}, now {$400.00}. I have not received any verification of the debt, nor have I been given the opportunity to dispute the debt prior to being relegated to my credit reports. I have disputed with XXXX, but only to side with the Wakefield and Associates. This is absurd, as I have not been contacted regarding the who, where and why the debt was incurred. Therefore, this debt is assumed to be fraudulent.