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

I was approved for a forbearance on my mortgage account for the months of XXXX, XXXX and XXXX of XXXX because I was suddenly medically retired, and my pension checks did not arrive for three months. I was told to call back in the third month to resolve the forbearance and decide how to move forward. I called back, and was told that I would be able to defer my payments to the end of my loan, and that I should start making payments again in XXXX, and I would receive something in the mail in the next few months. I started making monthly payments again in XXXX, but never received the mail. In XXXX, I observed that my credit score had dropped, and that the mortgage company was reporting every payment I was making to be three months late. I called back to inquire what was happening, and was told the original person I spoke to at the end of my forbearance never submitted the paperwork to end my forbearance and defer the three months of payments. I was told it would be submitted for the deferral and to their research department to fix the errors in my credit report. I did not receive another call, so in the beginning of XXXX, I called again to ask if they had resolved it, and was told that I could email their research team with the deferral approval letter, so they could fix my credit report. The letter states that my loan is brought current, and the previous late fees that were given in error would be removed. I then received an email reply that says since the company did not submit the paperwork correctly for end of the forbearance, my XXXX payment was applied to XXXX, my XXXX payment was applied to XXXX, and so on. This has led to almost a year of payments being reported as three months late. The fault lies with the mortgage company for not submitting the end of my forbearance correctly. Since I was not notified that something was wrong, now almost a year of payments are reported late on my credit report, and my once very good credit score, is very low. I have shown the credit companies this deferral letter, but they have not fixed it, and have told me that I need a statement from the mortgage company fixing the mistake they made. The mortgage company continues to say that they have reported this accurately, when they have not. I was approved for a three month forbearance and deferral, I never missed a payment, and I was never late on the payments that they told me to make, however they are reporting to the credit agencies that I was late on every payment since XX/XX/XXXX.
Product: Credit card

On XX/XX/2023 I noticed an unrecognized charge of {$210.00} from XXXX. I have never purchased from XXXX ever in my life I got in contact with XXXX and they told me it was aOn XX/XX/2023 I noticed an unrecognized charge of {$210.00} from XXXX. I have never purchased from XXXX ever in my life I got in contact with SeatGeek and they told me it was something that had to be handled by my bank Goldman Sachs Bank USA I reached out to a representative and told them about the purchase that was made and that I never authorized it. I provided them with all my information and everything else that was required from me. I also went in depth when explaining my situation explain to them that the account that was used to purchase the tickets were created minutes before that purchase was made, and not by me. I also explain to them that I believe my Apple account was compromised, which is where the Apple card That was used to purchase the goods was used from. While I was speaking to the representative, I also asked him to help with the breach on my Apple account since Goldman Sachs Apple Card is handled through XXXX on the XXXX after I submitted my claim even during the claim process, I was never asked to provide more information months later, my claim was denied and I was left with the bill of the purchase amount of the unauthorized claim.
Product: Checking or savings account

I have had many issues with this small business account after having to replay fraud issue when I received my new debit card it was placed under a restricted with no explanation of why Im being penalized for being a victim of fraud not only can I not add it to any of my virtual wallets Im not able to offer or expect those payments which in turn has paralyzed my business Ive called several times over the past weekend with no recourse of action to explain to me why Im under restriction
Product: Debt collection

In 2013 I spoke with a colection agency regarding a {$150.00} amount debt that was owed to XXXX. I scheduled a payment and it was processed and paid that same month. Now, 4 years later I am receiving calls regarding this same debt. We informed the agency twice on the phone that we have already paid the debt in question. We have now received a letter informing us that a lack of information renders them unable to complete the investigation of the issue and that we need to provide them with proof of our pervious payment. I do not believe the burden is on us to provide this information and have asked several times for them to cease communication regarding this paid debt.
Product: Debt collection

Previously made contact with the agency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ; informed them that the debt in which they were trying to obtain was XXXX ) XXXX in a bankruptcy by XXXX XXXX XXXX that was under the name of XXXX XXXX ; who was my cosigner of the loan for Ford motor company. XXXX ) Informed them that the debt is XXXX XXXX XXXX and per Virginia law they have up to 5 years to pursue this debt. This company has use railroading tactics and put a freeze and garnishment on my account that completely wiped out my account. XXXX ) They were informed that the car was auctioned off for majority of the account. And that Ford Motor Company most likely had been written the remainder of the debt off. I feel that the attempt made to recollect on this debt is unlawful.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entities.
Product: Mortgage

Nation Star bank and Mr. Cooper have failed to satisfy the mortgage with the bank although payment was made. They are delaying the process of me obtaining a home for myself and my children. 

I dont understand how banks are able to force payment then not satisfy the commitment and title. Mr. Copper has been negligent in record keeping and reporting accurate and verifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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
Product: Debt collection

I was paying on Access Group loans when with XXXX XXXX. Paid them for years. When came time to renew the lady XXXX would not return my calls. After that it passed to another company and I set up payments and they never took them. Then it ended up with XXXX XXXX XXXX XXXX XXXX. They called my mother and not me so I sent them a letter to provide proof of them acquiring the debt after it being bounced around. They never provided that written verification of debt and its been months, well past the time allowed once written verification of debt received. I believe the person was XXXX XXXX. I also was being contacted during the student loan payment freeze time when federal loan payments were frozen by debt collectors and I was informed that all payments have been frozen during the pandemic for federal loans. So now I guess XXXX XXXX XXXX XXXX Access grp has it. I never was contacted by phone or received any notification by them of who they are and how they acquired the debt but the company they acquired it from failed to verify the debt during the allowed time and also I was being asked to now pay during a time when federal loan payments are on hold. I also never have been contacted or served in any way. Had I not received two letters from lawyers trying to represent me today, I would have never looked my own name up in the XXXX district court database and found that a XXXX lawsuit was filed. So I am grateful to those lawyers for their letters in the mail. I had never even heard of or been contacted by XXXX and still have not received anything. The only reason I know anything is because of the lawyers who must have been looking in the system for new suits filed. The company prior to XXXX should have the written letter asking for verification of debt. I have been a victim of identity theft which is on file in XXXX. My mother was even contacted about a fake debt a debt collector bought unknowingly. It was for a cell phone she didnt have and the real company didnt have any record of any accounts in her name. Considering all the scammers out there, I cant just take the word of someone saying they are who they say they are. Last time I checked, I thought a company had to at least contact you before they could sue you. I also was not aware that when you asked a company for written verification of the debt and how they acquired it, that they could not respond and then sell it to someone else who would fail to contact the person and then sue them without due process and while federal loans are supposed to be on hold. All of my department of education loans are on hold and I didnt have to do anything. I want this removed in the court.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I was contacted by High Point Asset, Inc on XXXX/XXXX/2015. They informed me that I had XXXX outstanding pay day loans which I would have to pay.They emailed me XXXX notices stating who the original creditors were and who the current creditor is with dates listed for when the loans were filed and the balance of each of them. I searched today for the contact information of these original creditors, in doing so I found that other cosumers have been contacted by High Point Asset, Inc stating that they owed money for payday loans that were also not listed on their credit reports. I decided to contact the Federal Trade Commission. 

After consulting with a representative at the Federal Trade Commission, I checked my credit report and found that no pay day loans were listed under my name and information. These loans do not exist and High Point Asset, Inc is trying to have me pay them for something that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information that is being furnished by the credit bureaus are against the law per 16 usc 1681b and 1666b. 
the items were dure to identity fraud and theft.
Product: Credit reporting

hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency trans union they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I applied for a XXXX Simplicity card to transfer a balance from my Chase Sapphire Reserve card. I was approved, and initiated the transfer immediately. After XXXX two week waiting period, I was told that it would take an additional 2-4 days to process my transfer, during which time my original, full payment posted to Chase ( I paid onmy due date of XXXX, the transfer was processed on XXXX ). XXXX assured me that once the transfer processed, I could have the overpayment refunded to my bank account ; I called Chase and arranged for this to happen, with a refund of {$3800.00} from my personal payment back to my bank account. I gave my routing and account number, and was told that the transfer would process in 1-5 days. When nothing happened, I called the bank, and was told that my refund had been denied, and that somebody should have told me additional documentation was required ; upon follow-up, I was told that there was no way for Chase to refund my overpayment without incurring interest charges for the day between my initial payment and the balance transfer, which there was no way for them to calculate and inform me of in advance. They told me Id been misinformed by the previous agent about my refund being en route, but I was never contacted or informed in any way, and would not have known that there was a problem had j not called customer support to try to follow up. I also was not able to file a complaint or escalate my call, as the supervisor who I was initially connected to told me that she was responsible for all complaints and also the only supervisor to whom one could speak.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I would like to remove all the following fraudulent items from my credit report : Lending Tree XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Transworld Systems Inc and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.Transworld Systems Inc, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates XXXX XXXX 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Transworld Systems Inc which is a violation of code 18 USC 1028 ( a ) ( 2 ). Transworld Systems Inc obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Transworld Systems Inc and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Transworld Systems Inc does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Transworld Systems Inc is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Transworld Systems Inc that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Transworld Systems Inc has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.
Product: Money transfer, virtual currency, or money service

The reason you use pay pal is because of buyers protection. They have proof on my account from experiencing fraud due to several flagged accounts but yet they dont close them down and they continue to let consumers suffer. This problem Im receiving with XXXX XXXX XXXX is regarding adding organic views to my XXXX channel in XXXX days. When I ordered it I put it in the pay pal msg notes need in XXXX  days. I showed proof that the XXXX views ordered almost half dropped. I emailed the company they ignored me and waited another XXXX days and they were not up so I complained to pay pal. I needed it up for a deadline and it was not there so I asked for a partial refund. Pay pal did not honor or protect me and denied my claim without proper investigation. I selected the reason full refund but I clearly said in my Notes I only wanted {$120.00} of the {$170.00}. The supervisor reopen the case with the right reason partial refund and I sent proof XXXX times that the views keep dropping. The company rushed to do it now that I put a claim in. I no longer need the views! It was for a reason a particular date my page was being judged by an award committee The company but XXXX traffic was also cursing me out and harassing via email when I said stop sending the emails. I reported this to pay pal also. After dealing with this unprofessional company they again deny my case. Pay pal is fraud! There is no buyer protection! They did not give me any credit for what I endured and I showed the proof the views dropped. They are not honoring there buyer protection
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX
Product: Vehicle loan or lease

Kia Finance XXXX America my lawyer sent a reaffirmation letter to this company informng that the XXXX XXXX will not be in the bankuptcy and they stop reporting the balance and payments and that is causing problems refinancing my vihicle
Product: Checking or savings account

On XX/XX/XXXX I initiated a transfer of {$10000.00}. from my XXXX Account to Syncrhony Savings. According to transaction number XXXX this transaction was completed on XX/XX/XXXX. 

I saw on XX/XX/XXXX & XXXX on my Synchrony Mobile App that the amount was pending. By XX/XX/XXXX, the amount was no longer pending to my account and NOT credited. 

I have been back and forth between XXXX and Synchrony as to where my money is. XXXX says they can not issue a reversal or stop payment because the transaction is complete and Synchrony says they have not received the payment ( even tho from my mobile app I saw it pending on XX/XX/XXXX & XXXX ). 

I have submitted a claim with you for XXXX but in case the issue is with Synchrony, I am also submitting XXXX with you for that.
Product: Mortgage

I am so happy that XXXX XXXX finally reported about you, CFPB, failure to look into Wells Fargo HARP refinancing program. 
I contacted you..complaint # XXXX regarding XXXX failure to adhere to the guidelines and in return you did nothing but send me back to XXXX!!! 
The problem is still there and XXXX is still trying to con me. 
You failed me and many other XXXX mortgage holders and I am so angry!