23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a communication from XXXX XXXX XXXX claiming that I owe a debt in the amount of {$14000.00}. The letter referenced an account with XXXX XXXX XXXX. I immediately reviewed my records and could not find any documentation supporting this debt. I believe it may be an error, and I need more information to verify its validity. I sent a written request to the debt collector asking for validation of the debt, including detailed information about the original creditor, the amount owed, and proof of their authorization to collect the debt. As of XX/XX/year>, I have not received a response to my request. Additionally, the debt has been reported to credit bureaus, negatively impacting my credit score. I believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that XXXX XXXX XXXX cease all collection efforts, remove any credit reporting related to this debt until it has been properly validated, and provide the requested documentation.
Product: Debt collection

I was garnished without notification trying to collect on XXXX tickets that are past there statute of limitations that are all over XXXX to XXXX XXXX XXXX was never notified at all about this debt so far that have take over XXXX dollars
Product: Mortgage

I have applied for a CARes act forbearance. I just read the terms of the agreement. The option to add the missed payments to the end of the term is not an option. They are saying that they are going to demand all missed payments on the following month ( a balloon payment after being on a financial hardship withdrawal ). My mortgage company is US Bank. Please assist ... 

They are also refusing to add any payments made to the interest during the forbearance period and only promise to apply them at the end of the term. I dont think a large bank like US Bank should be taking advantage of struggling Americans. 

And they are saying that they will begin the foreclosure process at the end of the forbearance terms are not met at the end of the term of the delayed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry appearing on my credit report is unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing this inquiry.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
INQUIRIES : XXXX XXXX
Product: Checking or savings account

I called about a dispute and was hung up on. And was talked to in a rude and disrespectful way. I then asked for names of agents who I had talked to. Who had hung up on me and was denied information. I disputed two transactions that happened on the same day and only given back one
Product: Credit reporting or other personal consumer reports

I was alerted by a friend to check my credit score, as others are reporting their forgiven loans through PSLF are now showing as " Open '' on their credit reports. I looked, and mine was showing as open. It had been forgiven in XX/XX/2023 and I have paperwork from Mohela and StudentAid.gov to show that I had completed my PSLF. I contacted StudentAid.gov XXXX and was told that I am not showing a balance on their end, and all my loans are showing as closed. However, Mohela has reported this loan as open, and it is now showing on my credit report. I have attempted to contact them, but it will not let me since I do not " have an active account '', since they closed it!
Product: Credit reporting or other personal consumer reports

I am writing to request a correction to my personal information on file with your bureau. After reviewing my credit report, I have noticed inaccuracies in my name and address that need to be updated to reflect the correct information. 
Please update my personal details to the following : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX I have enclosed copies of the necessary documentation to verify my identity and address. These documents include : XXXX. A copy of a recent utility bill or bank statement showing my correct address. 
I kindly request that you investigate and update my records promptly. Please send me confirmation once these corrections have been made. If you need additional information or have questions, you may contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I spoke with Synchrony care credit and spoke with them and they told me that they sold my debt to XXXX XXXX I requested the information to be sent to me and have yet to receive the information. I received a request to pay this collection from XXXX XXXX BUT CARE CREDIT is also listing the same balance for the debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

Ive had my Venmo account for a couple of years and started using it more a few months ago. I paid my rent with it and a few transfers here and there. Venmo informed me that they were closing my account due to suspicious activity. They would investigate and let me know. My balance at the time was {$1800.00} Ive contacted them a few times for status and each was told they havent finished their investigation but no I couldnt have my money yet yet. Last week I spoke to someone who escalated my request. That must have worked because I got an email today. Basically the email said that they would not reactivate my account ( I didnt ask them to ) and that they would hold my funds for 180 days for loss prevention. What loss prevention? The balance has not changed since they suspended the account. This was a form letter and it also said if there is funds available they would return the to my email on the account. I am assuming that unless they take the money it will still be there. One more thing. Since they closed my account, they will not answer or reply to any of my future requests. Huh? Sounds like my money is gone. Still they have never explained what was wrong with my account. Than I get a notification that XXXX was paid to venmo XXXX all my money poof gone I tried to dispute it with them and they denied it right away it's been months and still no word from them
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX, [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Mortgage

Hi, I am not sure where to go next with an issue with my mortgage service company ( BSI Financial ). I am looking for help who to contact next and what to do. 

I am encountered several issues. My current issue is that BSI is charging me a late fee of {$58.00}. The reason for this that they did not cash the check sent to them which is on auto pay with XXXX. 

XXXX sent out check on XXXX - However, BSI on cashed in on XXXX. 
XXXX ( Recurring ) bsi Interest Checking- {$1.00}, XXXX Bill Payment : Check Cleared on XX/XX/XXXX Therefore, BSI posted a late fee of {$58.00}. BSI claims the issue is on my side which I don't believe. XXXX has been very reliable. 
I called BSI and they told me that they would request a waiver ( not sure why customer service could not waive ... ). However, they told me they do it only once a year. I did already have a late fee not to my vault. I already worked with them on another issue with wrong escrow charges. The last call is now two weeks back, and they did not waive the late fee. 

Some background : I refinanced my mortgage with XXXX in XXXX of XXXX. The mortgage got transferred to BSI Financial. At the beginning I had no issues. But out of the blue I got past-due notices. It turns out they paid my property tax. However, my mortgage is a no-escrow. So, they dis not charge me monthly for escrow. However, they debited my account and as a result told me I am past-due as I only paid regular mortgage payments. XXXX county refunded BSI automatically as they noticed that they got overpaid as I made the property tax payment earlier myself. You would think the issue would then resolve itself. But no. BSI did not credit my account for the refund from XXXX county. 
I then enter the phase of calling, being promised things are resolved etc. Trying to get in touch with somebody is nearly impossible. 

After several interactions I did not know what to do next. I filled a complaint with XXXX  However, this did not lead to a resolution. I got letters from " BSI Financial '' telling me that the issue is resolved. I also had more calls where I was promised the issue is resolved. Well, just today I got an other past-due notice. Calling them is nearly impossible, it takes several hours of effort to get in touch with them. I also have a job .... 

This has been dragging on for months. I never encountered a situation that couldn't be resolved. 

I don't know what to do next .... 

Also, XXXX  " BSI Financial '' tells me I am not alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my correct Date of Birth ( DOB ) updated on my Equifax Credit Report. 
The erroneous Date of Birth ( DOB ) currently being reported isXX/XX/XXXX but my correct DOB should be XX/XX/XXXX. I used the MYEQUIFAX website twice to dispute my DOB. I attached my Mississippi State Drivers license ( See attached XXXX XXXX ID ) ; but the dispute still come back asking for my Drivers License or Birth Certificate ( See attached DISPUTE RESULTS ). Apparently my Drivers License is being over looked by the Equifax dispute investigators.
Product: Checking or savings account

On XX/XX/XXXX, I received an email said I could receive {$15.00} e-gift card after make XXXX bill payments. So far I've made XXXX bill payments, XXXX in XXXX and XXXX in XXXX, but didn't receive any gift card. I contacted customer many times, but they claimed this is an offer from XXXX, when I didn't even have an account with them.
Product: Mortgage

This is with regard to the XXXX of TRID and a Closing Disclosure done in gross error by Quicken loans. Our son ended up signing a closing disclosure ( CD ) under duress to close his purchase on time. I have been 24 years in XXXX. My son bought a home in XXXX in XXXX XXXX Ca. He went to Quicken Loans. I told him to get used to the terms LE ( Loan Estimate ) and CD ( Closing Disclosure ). I was my sons main contact and authorized representative on his loan. I was forth right and asked almost daily about my son 's CD and about it being correct. I have all of the emails to Quicken. We gifted my son the down payment. With this the loan coordinator at Quicken called me on XXXX/XXXX/15 that I needed to get the remainder of gift funds into title or our son would not get his loan docs. I kept saying I had NO idea how much to take in since I had not seen anything. I was finally sent an email that we needed to deposit the amount of {$29000.00} so I ran the day before XXXX to the bank and wired the funds. Quicken confirmed he had the funds on XXXX/XXXX/15 at XXXX PST ( please see email below ). I like how he wrote I will not make any promises the numbers will not change. 
I have received the wire receipt. Most likely these numbers will not change, but I do n't want to make a promise that could change. I do not expect any changes, but I do n't want to set you up for failure. 
Thanks, I was all over Quicken for the CD. They kept telling me it would be coming. On XXXX XXXX my son called me in a panic. He said " MOM, I do not have {$32000.00} to bring into closing. I called the closer who was very rude and abrupt. You will be able to pull the call. He told my son and I he had NO proof or documentation that the gift funds of {$29000.00} were received. I told him no way and that this was the only way it could go to docs per emailed for the Quicken loan coordinator. My son signed the CD under duress since he would not meet his close of escrow date if not. 
Thank goodness we had an amazing title officer who sent me the buyers closing statement to our son showing him what was really needed to be brought in to close and what was true and correct. 
This is why you the CFPB put TRID into effect. Please look into Quickens unfair lending practices and the fact they are not following TRID nor do they care for the small consumer!
Product: Credit reporting or other personal consumer reports

I have repeatedly kindly requested credit bureaus to reinvestigate inaccurate and incomplete information reporting on my credit report and to correct all accounts that is inaccurate and incomplete I've been so very patient with Experian, XXXX, and XXXX I have sent letters to the company on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX asking EXPERIAN, XXXX, XXXX TO send me the original documents that they are using to report these serious errors. I have not received any proof of these original contracts it has been more 90days they continue to give me a run around... it is already hard enough with how the inflation with the economy is going it is hard please help me get this resolved as soon as possible.
Product: Credit card or prepaid card

On XXXX XXXX and XXXX I disputed charges on my card from a business that was overcharging me based on the contract in place. They denied my claim despite evidence submitted by the business that clearly did not even match what they had charged me in total. They did not request further evidence from me despite. They just told me there was nothing more I could do. 

I was charged a total of {$1900.00} by this business from 6 charges on XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/28. My contract total should have been {$1300.00} of which I have proof. They are not resolving the issue.
Product: Credit card

I opted in to utilize my payment protection benefit with my Destiny credit card. I provided all required documents and information timely on XX/XX/2023. The payment protection did not process my request and initiate payment until after my due date in XXXX. The benefit request had XXXX months or ample time. 
As a result, destiny credit card reported to all three credit bureaus that I was late in XXXX. Creating a hardship and damaging my credit score significantly. 
I am aware that I should be making my minimum monthly credit card payments. But, obviously I was experiencing financial hardships and it should had never taken XXXX months to process my request. 
If I was missing some thing, I should had been told every week when I called into the go benefit customer service
Product: Debt collection

I received a notice from Professional Account Management, LLC ( PAM ) ( acct # XXXX ) stating that I owe {$250.00} and they are collecting that amount on behalf of the XXXX, DC Department of Motor Vehicles. In the letter the company states that the {$250.00} is for an unpaid speeding ticket from X/XX/2012 for a vehicle from Pennsylvania with license plate # XXXX. I was surprised to receive this notice because I have never owned a vehicle in Pennsylvania with that tag. Also, I do not recall ever being stopped by a cop for speeding. Further, the letter says that PAM has made several unsuccessful attempts to contact me, but I never received a call or a letter until the current notice. For the past 14 years I 've been a resident of DC with an active driver 's license and the same phone number, so it should have been easy to reach me. I now have tried to contact PAM several times via phone to dispute this debt and have been put on hold upwards of 15-20 minutes several times, but was never connected to an agent. I look forward to an explanation.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of XXXX inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

XXXX XXXX XXXX at address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit file and noticed XXXX XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.
Product: Credit card or prepaid card

My case was closed today after the company provided a response. When I read the response I wanted to offer feedback but the option was not allowed to open as the link stated file not found and the case was closed. Case number was  XXXX  against Bank of America who is charging late fees. In their response they stated the payments were automatically refunded, but this is not true as I had to call and was told by their staff I had to call to have them refunded. Overall I am not satisfied with their response and the overall length in time it took to respond if the response was that simple. There is no language to suggest that they will change their language as I had requested in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against XXXX, Experian XXXX XXXX consumer credit reporting agencies, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX  Acct # XXXX & XXXX XXXX  XXXX Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, Experian XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, Experian XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore, XXXX, Experian, & XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, Experian XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, Experian XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX, & Experian for their violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Your immediate attention and resolution of this issue are highly valued and appreciated.