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

I have filed several disputes with the XXXX and XXXX about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted XXXX and XXXX by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

Mohela Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to Mohela and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at Mohela to have the account removed.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became very Ill with tumors and was behind in bills but as soon as I could paid them. XX/XX/XXXX I made an agreement to continental Finance company for XXXX and XXXX. I made arrangements through them. Paid through them and paid as agreed. The letters I have said they would just say settled for less than the balance Then my credit report has CHarge off in XXXX, XXXX, XXXX closed in XXXX. I paid in XXXX. I dispute it and it just bounces back. I send the letters and bounces back. I call them and say well sorry we charged it of XX/XX/XXXX and you called us XX/XX/XXXX. we wont change it ITS WRONG, unfair, underhanded. 
1. I had no idea it was charged off, I wouldnt of even received the mail.

2 it states nowhere on the letters its a charge off 3. I made the agreement XX/XX/XXXX so I should definitely not have charge offs for the months of XXXX, XXXX, XXXX. 
4.I saw a statement in there website that they strive to be transparent and fair. They were definitely not that. 
5. XX/XX/XXXX and I made an agreement XX/XX/XXXX would awfully suspicious and convenient for them. 
6.Since there was no transparency, no communication, no anything. I want the charge offs for XXXX, XXXX, XXXX, XXXX to be taken off my credit report. Very underhanded and almost spiteful. I was sick and still am. I became XXXX. Every month they continue to ding me is more time I cant try to start over. I need a little compassion.
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 XXXX, Account # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX and Account Name : XXXX, XXXX, Account # 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting

XXXX has been reporting incorrectly on my credit report. I have written them and the credit reporting companies numerous times with no result. This is an alleged debt from the original creditor XXXX. XXXX is reporting incorrectly to experian. They keep reaging the debt. this was an alleged debt from XX/XX/XXXX and XXXX continues to report on my credit report that this is a new account from XX/XX/XXXX. They are incorrectly extending the time to remain on my credit reports and the date of opening is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an amount of {$140.00} owed for a medical bill to XXXX XXXX XXXX XXXX on my Experian report. I'm getting weekly updates from Experian indicating that XXXX XXXX is updating the reported debt even though the debt has been paid in full. Have indicated to Experian and XXXX that this has been paid and provided proof. Experian is repeatedly breaking the law and is committing fraud by repeatedly reporting a debt they know to be paid in full before the debt is being reported as past due.
Product: Debt collection

I submitted a complaint against this debt collector on XX/XX/2021 and they replied on XX/XX/2021 stating that they are not the appropriate company to address my issue. 
Let me very clear. This is definitely the company I need to be addressing my issue with and by this second complaint against CBA Macon to the CFPB, I am building my case to use against them and the hospital that sold this information to them. This is a CLEAR HIPPA violation! I have the full medical records showing EVERY detail of the patient which is a PHI violation as well. Not only did they send me the full detailed medical record, but they sent no explanation as to why they believe they have a right to report this on my credit without having valid evidence. Now they are lying and saying they are not the company to deal with my issue. If CBA Macon does not IMMEDIATELY remove this reporting from my credit until they can PROVE that they 1 ) Have a HIPPA waiver signed by me and 2 ) that they have a right to collect on this debt and 3 ) that I am the person whom they are damaging their credit worthiness without even sending me information that they were going to XXXX up my credit. I will be turning this matter over to my lawyer and handle this matter in court and not only will I bring charges against the original creditor, but CBA Macon as well. This is my final attempt to get a reply that this matter will be handled and they will do the right thing by removing this information from my credit reports, or the next step will be to turn EVERYTHING over to my lawyer, including the medical records they sent me. 
Also, thank you CFPB for turning this matter over to the FTC. I will be pursuing this matter all the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I had a voluntary escrow/impound account for the property taxes and hazard insurance. In XX/XX/2019, I split my payment, making my principal and interest payment by the XX/XX/XXXX of each month which meets the terms of my Note and I made my escrow payment before the end of the month and I wrote and explained to the mortgage company what I was doing and why. They have assessed me late charges that are unwarranted.

I cancelled my voluntary escrow account in XX/XX/XXXX, and sent them the payment for the negative balance ; which they have cashed. They have failed to correctly update their records to show the payment due of the principal and interest only on the monthly mortgage statements.

Again, I have called, sent secure emails on their website and have written letters to no avail. Their response time for each piece of communication is unacceptable ; taking weeks or months to respond.

Now they are in my opinion harassing me, by sending notices stating that I am delinquent when in fact I am not. Again, the escrow account was voluntary and the payments were made before the end of the month, no late charges should have been assessed.
Product: Mortgage

PennyMac LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX We have had a short sale going on with PennyMac since XX/XX/19. The authorization letters were sent on XX/XX/19 and XX/XX/19. We have spoken to PennyMac multiple times since then via both email and on the phone, and have even received an approval letter for the short sale. 

Today we were told by multiple people, even management, that we are not authorized. They refused to speak to us and said we were never authorized. 

**HOW is that possible if we received an approval letter and have spoken to PennyMac MULTIPLE times over the last several months?? 

So. Either PennyMac inappropriately communicated personal financial information to us throughout the entire past few months- including sending an approval letter to us, or they are now lying about our authorization status. Either way, this needs to be resolved immediately. 

I want PennyMac fined the maximum of $ XXXX due to their gross incompetence and consistent inconsistency.
Product: Debt collection

I received notice from a third party agency that they received a file for litigation on a civil suit, from US BANK ( US BANCORP ). 

This was in regards to a bank account I held with US Bank account that was closed due to fees when I was XXXX. The rep gave me the name of a collection company called XXXX XXXX XXXX and said that they were the ones suing from the debt acquired through US Bank. They said I will be expected to appear in court and would have to pay whatever the judge decides. 

They claimed I received numerous notices which I have not and they even called my mother whose information they SHOULD NOT HAVE. 

The bank account was debt was from 2000 when I was XXXX living in Washington. It has been over 15 years. The debt at the time was also under XXXX. I reached out to my attorney who advised that the Statute of limitations is 4 years. I was advised that the notices were probably never sent but they will have records of letters so that the judge rules in their favor. I have learned US Bank has done this before and this is also the second time in five years I have been verbally threatened over this debt.
Product: Debt collection

Years ago around XXXX I lived in XXXX XXXX of XXXX, Fl as a single father of two. I was wrongfully evicted for having a girl stay the night every now and then and they claimed she was living there. A year after being evicted I found out they had put a collection on my credit report for {$4500.00} for a few years I tried to dispute with no luck. I never received any information stated I even owed them any money. Fast forward to XX/XX/XXXX I had to find a new place for my family but could not due to this collection. I called Mutual Management Services and spoke with XXXX. XXXX informed me that a {$50.00} payment was made towards my debt in XXXX. I asked how is that knowing I that I never paid anything to them. He could not tell me or provide any proof to me of how it was paid or even anything about my debt. I was told they did not have to send me any information on my collection and I must pay to avoid legal issues. Desperate to get this removed from my credit report we came to a verbal agreement of a settlement of {$1500.00} to have the collection removed. When I asked for a settlement letter stating what we agreed upon and that the collection would be removed. XXXX had then told me no that he can not and does not have to send a settlement letter. I have tried contacting a manager/supervisor of Mutual Management a few times but I am always told there is not much me available. I have left multiple messages to have a manager/supervisor call in regards of this situation and have never had a return call.
Product: Credit reporting or other personal consumer reports

I was incredibly surprised and disappointed to see incorrect accounts showing up on my credit report today. I always review my credit report, and this is the first time I've noticed such discrepancies out of nowhere. I attempted to refresh my browser to see if it was a temporary issue, but the inaccurate accounts stayed on my report. Because of this, Im requesting a detailed examination of the documents Ive sent so I can put this problem behind me.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/XXXX, I deposited {$25000.00} into my Robinhood stock trading app. At some point in late XXXX, I tried to transfer my funds to XXXX which triggered an internal flag that caused my account to be restricted. After this restriction came to my attention, I called Robinhood to lift my restriction and they told me my case would be under review. A few days later I saw no change on my profile and so I called them again, threatening to file a CFPB complaint if my case was not reviewed promptly. At that point, I saw a change on my Robinhood stock app that said my case was under review and would be decided by XXXX. Then, the date got pushed back to XX/XX/XXXX and then to XX/XX/XXXX. I am nervous at this point that Robinhood will steal my funds from me permanently.
Product: Credit card or prepaid card

Two ( 2 ) letters of Tenure were sent to Bank of America XXXX XXXX Mail with a Certified copy sent to CEO of Bank of America, along with the Power of Attorney for the Estate. 

1st letter Letter of Claim 2nd letter Opportunity to Cue Another letter of tenure has been prepared for submission today due to the deactivation of all ( 3 ) credit cards accounts for breach of contract and default of fiduciary duties. 

A complaint was sent to the Office of the Comptroller of the Currency. ( XXXX XXXX XXXX. XXXX ). The OCC office referred this complaint to the CFPB. If no successful resolution is given ; the securities exchange commission is recommended for further resolution. 

All accounts are up to date in payments ; no late or missed payments per account ( s ) history.
Product: Debt collection

I have reviewed my Credit report and found an account unrecognized items from your office G C SERVICES. I do n't remember doing any business or having having a contract for services with your company. Please forward me proof of contract or my signature etc.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my right.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 2 : it also state a consumer reporting agency can not furnish a account without my written constructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I have tried to Freeze my account with Equifax, which they have made it very difficult to do so even after I have provided multiple security questions to identify myself. I am also not able to log in to the online account to Freeze my account myself as the rep XXXX ID # XXXX stated he had unlock my account which I still could not login into. This is very unacceptable as I have tried several times with different reps to have my account frozen and been given the run around.
Product: Credit card

XXXXXXXX XXXX  was purchased with a Guitar Center credit card. The warranty is valid intil XXXX The equipment malfunctioned and was sent back multiple times to the warranty company ( Guitar Center XXXX Coverage through XXXX ). As a result, the equipment is still not operational. Please advise. Thank you.
Product: Debt collection

I have XXXX accounts that are unlawfully added to my credit report I've tried to contact TransUnion XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Unauthorized XXXX XXXX XXXX Account from Credit Report Dear EXPERIAN, I am writing to bring to your attention a serious breach of privacy and potential identity fraud related to the unauthorized actions taken by XXXX XXXX XXXXXXXX. The details provided below highlight the gravity of the situation and the necessity for immediate corrective action. 

1. Unauthorized Access and Identity Concerns : XXXX XXXX XXXX accessing my personal information without my consent constitutes a blatant breach of my privacy rights and raises significant concerns about the potential for identity fraud. I request an immediate investigation into this matter to address the unauthorized access and ensure the protection of my sensitive information. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Unauthorized access to consumer information 2. Unauthorized Addition to Credit Report : XXXX XXXX XXXXXXXX has added an account to my credit report without my explicit authorization. It is crucial to note that, even in the event of a permissible purpose, the consent of the consumer is mandatory, and in this instance, I have not provided such consent. This unauthorized addition must be rectified promptly by removing XXXX XXXX  XXXX from my credit report. 

Relevant Federal Law Codes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Unauthorized addition to credit report XXXX. Lack of Consent for Communication : XXXX XXXX  XXXX has contacted me without seeking my consent to do so. I want to emphasize that I do not wish to engage in any business dealings with XXXX XXXX XXXX, and I am under no legal obligation to do so. Therefore, any further communication without my explicit consent is unwarranted. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Communication without consent In light of the aforementioned violations and concerns, I demand the following actions : 1. Immediate Removal from Credit Report : XXXX XXXX XXXX must be promptly removed from my credit report to correct the breach of privacy and unauthorized addition. 

2. Cease and Desist Communication : XXXX XXXX XXXX is instructed to cease any further communication with me unless explicit consent is obtained. 

Failure to comply with these demands within 15 days from the receipt of this letter may result in legal action, seeking damages and penalties for the violations outlined. 

I urge EXPERIAN to treat this matter with the utmost urgency and undertake the necessary steps to rectify the unauthorized actions of XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Credit card or prepaid card

When XXXX XXXX  bought XXXXXXXX XXXX XXXX the problems began. XXXX 's had a easy to work with XXXX XXXX card. Since the opened in XXXX, MT I think I had only 1 or 2 issues with them dealing with the credit card and or payment. Once it was because my local bank was absorbed by XXXX XXXX XXXX  and I forgot to change the checking account info which was a honest mistake. 

Well now XXXX XXXX enters the picture using Mastercard instead. I used their card to purchase only gasoline for my car never exceeding {$35.00} way back before Biden was elected POTUS Now it takes {$45.00} to fill up the same vehicle. 

I committed another honest mistake and forgot my password. Using their web site they make you call a customer service rep, most likely in XXXX as it's always a female voice trying to speak understandable English which I never can understand. When I ask to please speak to someone I can understand they hang up on me. You can not make a payment with their phone payment service. 

Most companies have a link you can use to easily change your forgotten passwords not this time. 

Please note it seems to me that several credit card companies are purposely making it obnoxious to try to pay by phone. Long winded make you write down payment options in advance before asking you how much you'd like to pay. Most genuine card companies used the language of current balance, statement balance or a different amount..not these guys. Seems they want to annoy you so you hang up instead. 

Best guess since this has gone along time I made a gasoline purchase of about {$24.00} or so and this is when the fun began of charging me late fees and interest..well over {$400.00} currently I believe. 

I wen to to XXXXXXXX XXXX service desk to have a witness when I made their company that took over the account for payment and offered them {$100.00} for clear the entire matter. They refused. I got a letter from that same company offering me a {$100.00} payment possibly with a 10 % discount offer just recently. However I had to go to the XXXX  and misplaced that letter. 

I can't see this fact any other way but I believe these 3-4 credit card companies are in cahoots to annoy their credit card customers into wasting money with expensive postage stamps and never intended to be customer friendly ever. It all happened around the same time as well. I maybe wrong but I doubt it. They love tacking on latre fees and interest to be wealthier, This cars is J P Morgan/Chase I believe..Chase has the credit cards in my understanding. I am not positive on this. Calling them when I missed their calls was useless as the XXXX  female speaking English always hung up on me there as well. As a positive note the company or agency they turned my account over to me was generally a pleasant outfit to talk to so I give them credit for being polite and understanding people.