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

XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact XXXX XXXX XXXX to cease and desist all communication but received a text message stating that my payments restart after XX/XX/XXXX. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, XXXX has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to XXXX. Each time I dispute the reporting, it is denied by XXXX as accurately reported.
Product: Mortgage

We just received our new mortgage statement for XXXX. They are saying they under proposed our escrow payments for XXXX and in doing so we now owe {$4800.00}. That is a huge amount and I don't feel like I should be responsible for almost {$5000.00} because they did not quote or do their research into what our charges would be for the year. I have never missed a payment or given any trouble on my mortgage.
Product: Credit reporting or other personal consumer reports

Innovis has removed the information from my credit report due to the data breach which my information was exposed and I was a victim of fraud.
Product: Debt collection

I have been a victim of identity theft with multiple accounts and a tax return. I have reached out to this company notifying them of such and have completed their identity theft paperwork but it is still on my credit reports. I have not heard anything back from them in over a month since I sent the paperwork with police report included. This account is negatively affecting me on all three bureaus and the amount keeps changing between XXXX and XXXX something owed for this fraudulent account. I did n't even have a license or a permit when this account is being recorded as being opened.
Product: Debt collection

I have disputed XXXX collection accounts from ARS collections company. I received notification that it has been removed from my credit report. A week later it was placed back on my credit report without notification from the credit bureaus or the collection company. I have written letters to the collection company asking to validate the debts and they still are unable to provide me with proof.
Product: Checking or savings account

i am writing in regards to some unauthorized withdrawals that had been taken out from my account in the amount of XXXX from XXXX XXXX.i have never dealt with this company i have tried to dispute the transactions with my bank capital one so that they could temporary credit me the amount.but they said they apparently found nothing wrong with those transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX/XXXX is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX/XXXX. XXXX XXXX XXXX has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX/XXXX account must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX JPMCB auto finance placed a late payment on my consumer report without my consent. According to 15 USC 1681 ( b ) permissible purpose consumer report clearly states subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom he relates. Based off the law of the FCRA 15 USC 1681D stated above this is by definition identity DEF. Ive been in contact with a supervisor XXXX employee ID number XXXX and advise him that their company is in clear violation under the FCRA into remove this late payment expeditiously. XXXX informed me on XX/XX/XXXX that he would be in contact with their credit department team to get this removed however this late payment should have never reported to my consumer report without my consent in the first place. In accordance with 15 USC 1681 ( a ) definitions ; rules of Construct ( 2 ) I ask collusions Dash exit as provided in paragraph ( 3 ) oh, the term consumer report does not include ( I ) Report containing information solely as two transactions or experiences between the consumer and the person making the report. Late payments is and transaction with the line of credit that was extended between the consumer ( me ) and the person ( Chase auto finance ) that is making the report. Congress clearly states that the report should not include transactions. This late payment being furnished on my consumer report has hindered me from getting optimal APR percentage rates and Ive been denied for credit extensions due to this late payment being furnished illegally without my consent. Which under 15 USC 1681 ( n ) civil liability for willful noncompliance ( b ) any person who obtains a consumer report from a consumer reporting agency under false pretense or normally without a permissible purpose shall be liable to the consumer reporting agency actual damages sustained by the consumer reporting agency of {$1000.00} per violation which ever is greater. I am holding JPMC be auto finance responsible for damage is sustained.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) XXXX XXXX OPEN BALANCE IS {$1700.00} OPENED XX/XX/2023 ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 

REMOVE OR DELETE THE ACCOUNTS
Product: Debt collection

After receiving alert from credit monitoring I tried contacting Nationwide recovery SY. I was unsuccessful. I have never received any communication from this collection agency and don't know who they are or why they just started reporting this negative remark on my credit. I have no knowledge of this fraudulent debt they're claiming I owe. They are violating by reporting fraudulent debt and not sending any verification of it!
Product: Mortgage

a bank that has never had a loan with with me has foreclosed on me and sold my home when they had no standing or subject matter jurisdiction to do so. the assisgnment was from bank of America to bank America using robo signers in californnia while I am in XXXX. There was a correction of deed which was not signed by me not having any authority to do so, doing illegal conversion to do so. There was court testimony by a bank employees who had no first hand knowledge with a affi\adivit of note ownership both which were heresay. the bank was requested over and over to supply a proof of claim which they did not show any transfer, chain of title, or any evidence that they were a holder in due course with any standing in anyway. countrywide securitized my note on XXXX XXXX, XXXX to XXXX countrywide series trust XXXX XXXX. They have stated in court evidencary affadivit by XXXX XXXX XXXX that they had it on that date and still have it to this day.
Product: Credit card or prepaid card

Purchased in XX/XX/2018 a washer and dryer from Home Depot Stores, XXXX XXXX IL. Canceled said order two days after initial order since we decided on NOT purchasing said units. Home Depot Credit continues to bill us for the original purchase and also the extended warranty and refuses to remove said charges from our dedicated Home Depot Credit Services Card. We have disputed these charge since XX/XX/2018 billing and it is NOW XX/XX/2018 and Home Depot Credit Services is still billing for the Washer and Dryer and Warranty that we never received and had canceled. We have called, emailed and written Home Depot Credit Services and yet they have failed and refused to acknowledge the fact that 1. We canceled the purchase and never took possession and 2. They continue to bill us for services and products never received. 

XXXX XX/XX/2018
Product: Mortgage

I submitted a " notice of error '' to my mortgage provider, PHH. I called their help line and they gave me the address to submit to. i received no answer and repeated the process 2 more times. i sent an email to them too. they stated in the email that i submitted to the wrong address. I explained that i had submitted a CFPB and PHH explained that the complaint would not be recognized since i sent the correspondence to the wrong address. i took there advice and resent to the address they suggested. there has been no response. i am not taking their advice and resubmitting my complaint. they have. 

Over billing me by {$2800.00} in escrow charges that have no supporting evidence Refusing to credit me for payments made to PHH in the amount of {$7600.00} Failure to respond to my inquires on these matters for over 90 days Creating a notation in your case management system on XXXX/XXXX/15 at XXXX that the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Creating a notation in your case management system on XXXX/XXXX/15 at XXXXthat the homeowner was disputing the escrow amount and that research would be completed in 5 days. No action was taken. 
Showing that I have a shortage of {$14000.00} when I do not.
Product: Mortgage

They sent letters stating they would resolve the issue and they never followed through by the dates they said they would instead thet past it off to XXXX. 
They said they would modify then they sent the payments back. ( see attached letters ) They have been holding me financially hostage since 2010. I have a family to take care of I 'm a single mother and the only income earner and now have a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNT THAT IS NOT MINE XXXX XXXX XXXX  # XXXX I NEVER HAD THIS ACCONT EVER I HAVE CONTACT MAY BE 30 TIMES OR MORE AND SAID THIS MINE VERY RUDE ITS IS A XXXX DEBT WHICH WOULD HAVE PAID IF WAS MY I HAVE DISPUTED WITH EXPERIAN WITH SAID VERIFIED
Product: Credit reporting

I 've tried to get my annual credit report from Experian. They say the answers I gave to their security questions are wrong ... ..MY ANSWERS ARE CORRECT!!!!! Their information is incorrect!!! I 've tried to reach them by phone which just redirects me to their website ... ..worthless!!! I tried to write them a message via their website to let them know what was going on and I got an error message there too!!! I want someone to straighten this mess out so that I can have the annual credit report I 'm entitled to by law!
Product: Credit card or prepaid card

i recently saw that a credit card account was opened under my name and social but with a different address that is similar to mine. I disputed it with the credit bureau and it was taken off my credit report but it still remains on two of the credit bureaus. I called the company that issued the credit card and they told me that it was open under a different address. I would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong reporting, like the wrong amount and dates.
Product: Credit reporting or other personal consumer reports

This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.
Product: Checking or savings account

I have ordered a debit card for my Chime account 3 times since XX/XX/year>. Every time they say it is being sent, but it never arrives in the mail. I spoke to a supervisor today who said that the same thing was happening to a lot of people. I need my debit card ;.
Product: Checking or savings account

CONSUMER FINANCIAL PROTECTION BUREAU ( " XXXX '' ) Ladies and Gentlemen : We apologize for using this new-complaint communication form, but insoluble technology problems prevented our using the previous-complaint communication form. 

This letter concerns our Complaint No. XXXX against Synchrony Bank XXXX XXXX XXXXhe Bank '' ), submitted by us on Wednesday, XX/XX/year>, and to which the Bank 's purported response was sent to us by the FCPB on XXXX, XX/XX/XXXX ( " Complaint '' ). 

Our present plan is to file suit against the Bank. We find its purported responses to our Complaint to be utterly non-responsive and less than superficial. It ignores all the allegations in the Complaint, and simply regurgitates the alleged history of this matter. 

A lawsuit now seems to us the only way to compel the Bank to respond substantively. However, we want to be sure that we have first exhausted all possible remedies at the CFPB level. Before filing suit, we ask your advice as to whether anything further can be done by or before the CFPB. 

Respectfully submitted, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - approx. XXXX XXXX ET
Product: Credit reporting, credit repair services, or other personal consumer reports

I made numerous attempts ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to remove inaccurate accounts from my credit report and accounts are keep coming back verified and accounts are still appearing on my report. I will like to know how these accounts are being verified when the account addresses are not even on my credit report. The accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , and XXXX XXXX. I need these accounts removed immediately. The only address I am affiliated with is XXXX XXXX XXXX XXXX XXXX MI XXXX. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2018 I received an alert from my credit monitoring app that my discover student loans was 2 mths past due. I immediately called discover and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans
Product: Credit reporting

lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreciate
Product: Credit reporting, credit repair services, or other personal consumer reports

Idonotrecognizetheaccountsonmycreditreport
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  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX/DEPT OF ED XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
CHECKNGO/XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Student loan

I was having trouble making payments on my student loans and was contacted in XX/XX/XXXX by nelnet who informed me I could have a economic hardship deferment because I was working at a non profit. After discussing this with them on the phone I was made to believe I had received this and moved on thinking I had time to get my finances in order before paying back my student loans. 
Later in XX/XX/XXXX I was looking through an older email account of mine when I saw an email from them asking if I was interested in forbearance which i was confused by because my account was supposed to be already deferred. It said to reply yes to this email if you want forbearance so I did but was confused why I would need to. I received the same email again in XX/XX/XXXX. and replied yes again and was growing more confused but figured my account was already deferred so it was n't a big deal. 
When I recently checked my credit score I saw that it had dropped by a large amount and when I looked to see why it showed my student loans had been late for many months after I said yes to the deferment. 
I contacted Nelnet XX/XX/XXXX and told them about the call where I was told I had received a hardship deferment and the email replies. Regarding the first email I sent I was told that there must have been a problem with their technology because they just received my final email on forbearance. When I asked about the call I had with them where I was told I had a deferment they said they sent me a form in regards to the hardship which was never mentioned on the call where i said yes to taking the deferment. 
When I asked what could be done to address this situation they said I am on forbearance now so nothing is currently due however this does nothing to help with the damage done to my credit. When I asked what could be done to address the damage caused to my credit by the fact I was allowed to believe I had a deferment and my loans had gone unpaid they blew me off and said they would submit a complaint but it would n't lead to anything. I find this particularly frustrating because they pushed me to take the deferment and forbearance and admitted to at least with the email it being their technologies fault but say they ca n't remove the damage done by their mistakes from my credit.