23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company, XXXX XXXX, is claiming they conducted tests on me that were never serviced. I have been charged for XXXX tests that I never received, and have since been sent to collections. This was back in 2020, up until now, I was unaware that these charges could be disputed. They never attempted to call me and I was anaware that these charges existed until they showed up on my credit report. 

According to my collections I owe {$660.00}. This is the case I am looking to dispute as I have never received the services that this company is attempting to charge me for. I had an aweful experience with them on my initial interaction, and decided not to have treatment or service with XXXX XXXX. I never went in for testing or any additional services or appointments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.
Product: Mortgage

I submitted a complete loan modification package and was foreclosed on well being reviewed Ditech claims I never submitted all paperwork yet I never received any notice and also a month after the sell of my home I received a letter saying I was reviewed for modification but was not approved due to no longer owning the home!! This is dual tracking! I also had a large payment misapplied and forced insurance to my loan when I was already paying for insurance!
Product: Credit card

I own a Chase Slate card since XX/XX/2014.My limit is XXXX dollars.My current balance i XXXX. I am never late with payments.At the begging when I got the card I was sending XXXX dollars minimum payments but I saw no change in the balance..so I started sending double the minimum payment. XXXX dollars a month.Still no change.So, I decided to send XXXX dollars a month.Still no change. I decided to call Chase Slate. Doing the call I was told that my minimum payment was XXXX dollars and my interest was 55 to 66 %, plus they have a fee of XXXX dollars a month that I was not aware of because it was not there when I got the card. That means that even tho I 'm sending way over the minimum payment, the fees and interest takes most of my money..so there is no money left to pay the minimum, so they hit me with a late charge and my XXXX dollars payment is like it never was. Doing the phone conversation with Chase Slate, the telemarketer suggest I should send XXXX dollars a month. I ca n't afford to do that.I think my XXXX dollars payment should be enough because my minimum is XXXX dollars.The interest is ridiculous, abusive and fraudulent. They are playing with my money and I am trap paying a bill that never gets paid even tho I am sending payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights by reinserting recently deleted fraudulent account on my credit report without notifying me within five business days. 

1. XXXX XXXX Account # : XXXXXXXX Balance :  {$2400.00} Date Opened : XX/XX/2019 2. XXXX XXXX XXXX  Balance : {$5200.00} 3. XXXX XXXX XXXX  Balance : {$1.00} Fraudulent Inquiries : 1. XXXX/XXXX | Date of Inquiry : XX/XX/2019 2.  XXXX/XXXX  | Date of Inquiry : XX/XX/2019
Product: Mortgage

When i began my forbearance period with Santander Bank, I was told that my payments would be frozen and they would be added to the end of the loan. I was a bit skeptical, but was on the phone with the bank as well as the XXXX XXXX ( XXXX XXXX : XXXX ) and i received confirmation that the loan would be frozen and any missed payments would be added to the end of the loan. Now, my forbearance period had ended. In speaking with XXXX XXXX in executive relations for Santander Bank, she did confirm that my loan was paused/frozen, but i am still responsible to pay all of the interest that accumulated during the forbearance period. the only options presented were to either pay one lump sum now, including all of the interest that accumulated during forbearance. Pay it at the end of the loan in one lump sum or have all of the missed payments including the interest spread across a new 40 year loan. Hence, i will be paying interest on interest on a new 40 year loan. I asked about the option to add the missed payments to the end of the loan and extend out by that amount and i was told that it is no longer an option and i could refinance the balloon payment once i pay off my mortgage. I asked why am I responsible for all of this interest during my forbearance period if my loan was frozen or placed on pause. XXXX went around the answer and just told me that i would have owed that interest regardless if i had been making my payments. I feel that Santander took advantage of my situation and is now going back on the agreement to make more money off of my situation. I have offered to bring the loan current with some money my parents are lending me if they can remove the interest that should not have been accumulating during the forbearance period. i have been told no. I feel they took full blown advantage knowing that i was in bad situation and lied to me and now do not want to take responsibility for the information that was conveyed to me. Santander should make this right and remove the interest on the loan as it should have been frozen. Ideally, when i came off of forbearance, i should have only been responsible for the escrow that accumulated during that time and when i restarted payment, it should have been at the same amount when i went into the forbearance.
Product: Student loan

I went to art XXXX. XXXX that was sold to XXXX XXXX. I went there for XXXX semester the school was making promises to me and I was not receiving the help that I needed. I dropped out realizing that the school was promising I could make almost XXXX if I graduated. I told them I was dropping out and they falsely took out loans that I didnt take out. I had no idea the school closed and Sold to another for XXXX school XXXX XXXX. Then XXXX XXXX closed. I have been trying for years to get these loans off I have paid all of the legit loans that I have ever taken out. These fall loans have completely ruined my credit and destroyed my life! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a business account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to TransUnion and XXXX XXXX. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have TransUnion and XXXX XXXX to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth h i t - s o m e o n e had stolen my identity. The thief had used my personal information to open credit cards and rack up XXXX  in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check t u r n e d into a n i g h t m a r e of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and stolen trust. Finally a c c o u n t s w e r e r e m o v e d e x c e p t this O n e in particular XXXX XXXX XXXX, in the amount of XXXX XXXX  Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX Account Number : XXXX. Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged late fees for the month of XXXX and XXXX however the bills for XXXX and XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.
Product: Mortgage

Co paid XXXX in tax to office in my town in which they never recieved. Money was taking on XX/XX/XXXX. I had to pay in order to close on the sale of my house on XX/XX/XXXX. Money was taken from my escrow account that came out of my monthly mortgage payments. 
The money taken from my escrow has not been refunded. I have called every week 2x per week for 4 months and spoken to numerous managers requesting the refund owed. I had company send me documentation that money was taken from escrow on XX/XX/XXXX but refund was never put back into my escrow and i have documentation from my tax office stating loan care called them 5 times to verify that I paid funds for taxes and that they never received the check that loan care said they supposedly sent. Loan Care put a stop payment on check back in XXXX and still has not refunded the money to me.
Product: Mortgage

I have been trying to save my home for years. It is up for foreclosure and I have not received a notification. I found out from a text from a foreclosure agency.
Product: Credit reporting or other personal consumer reports

Delete inquires
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: Credit reporting 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the information contained in my credit report must be accurate and up-to-date. 
Data furnishers are not true accurate providers or validators of my deliverable address and can not provide any updates, as their information can be inaccurate and incomplete due to many factors such as fraudulent and misleading information. A copy of my Illinois Driver License is sufficient to confirm my current address. 

The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment XXXX Fields XXXX - Address, Positions XXXX ). Inaccurate address information can lead to issues of misidentification and has affected my creditworthiness.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

Mortgage has NEVER been missed or short. Regular mortgage has been around {$2800.00} and I have always paid an even {$3000.00}. ( Paying a little extra each month! ). This past year my escrow had a shortage which cause my payment to go up in XXXX to {$3300.00}. The shortage was {$4900.00} ( apparently ). WHO even knows at this point if that is even accurate! 
So XX/XX/24 I paid the regular {$3000.00} XX/XX/24 I paid {$3500.00} ( paying the new loan amount with a little extra ). 
XX/XX/24 I paid {$4900.00} while on the phone with the company who assured me that she would apply it to my overage, making my payment go back down. And that she would sent confirmation. Never received it. 
XX/XX/24 I paid {$3000.00}. ( Cause she told me the payment would be back to the {$2800.00} ). 
XX/XX/24 Statement came with the corrected new amount statement {$2800.00}. So I figured all was well! 
XX/XX/24 I paid {$3000.00}. 
I then received a notice that I missed a payment! I called and spoke to someone who told me they never applied the {$4900.00} to the shortage! I said then where did you put it?! And I even explained that I had received the new adjusted statement ( back to the original payment ). I have that copy! She was confused, put me on hold forever, then came back and said it was their fault, it was anpplied to principal and that she would fix it immediately. She said she would get rid of the past due fee and everything would be fine. 
So XX/XX/24 I paid {$3000.00}. 
Return from being out of town and have notice that I am delinquent past 30 days and that I now owe {$6800.00}! I dont even know where this figure is coming from and my creditors are already contacting me regarding a 30 day past due delinquency on my credit! XXXX XXXX XXXX 
I am not playing games with this. I just looked up the company reviews and its a whopping XXXX stars with too many complaints to mention here. 
I think its time someone check into this obviously fraudulent and incompetent company! 
I also find it unfair that we as consumers have absolutely no say whatsoever in where our loans are being sold too. I knew nothing about this company and now Im finding they are not a good company, they have horrible ratings and Im not sure what they are trying to pull on me and/or if I need to contact an attorney. 
Please advise.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
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. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

1. XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

Debt collection companies have been calling my phone number for approximately 8 years asking for XXXX XXXX. I am not him, and have repeatedly told them I am not him and have never known the person. The company in question, GC Services, has called me roughly 4 times in the past 2 weeks asking for XXXX XXXX and every time they say they will remove my number. I am sick of being called at least once a week by these people when I constantly tell them that XXXX XXXX has not had this number for at least 8 years.
Product: Debt collection

I had a garnishment overturned by XXXX District court in XX/XX/XXXX XXXX and XXXX refused to notify the department of treasury or anyone that my payments no longer where to be sent to them and on XX/XX/XXXX the department of treasury issued them a check I was told XX/XX/XXXX that they had no payment for me from the department of treasury I called again days later and was told I would have to wait 60 days for XXXX and XXXX to send me my refund check XXXX I was told that on XX/XX/XXXX a check was sent in the mail to my correct address I told them I never received it but I check with local postage XX/XX/XXXX I was told the check had just that day came back to them returned mailed and the check was actually sent XX/XX/XXXX but they would have to locate it within their return mail so they can send it again XX/XX/XXXX I was told they found it but have to wait to reissue it and they dont know how long it will take after they told me the original check was good for 90 days and theyd just resend it in the mail I never owed them anything I was wrongfully accused they are offering no interest or to expedite my payment or even other payment options they said they only accept and only issue checks out they have an online payment portal which allows debit credit or ach payment methods I feel defrauded this has collaterally created hardship for me after months for money I needed at its appropriate due time to keep my self afloat these people are committing fraud and breaching the court agreement they are telling blatant lies everytime I call there is a different story or different reason they found I didnt receive my payment and theirs nothing they can really do but and advise me to wait and apologize for the inconvenience but these same people sued me and garnished my pay and continuously refuse to send me MY MONEY THAT I GET UP AND GO TO WORK FOR
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect information on my credit file and is hindering my life XXXX  XXXX credit card ending in XXXX for {$720.00} is not mine nor did I ask for it to be opened its identity theft I am a victim of Identity theft.
Product: Credit card

Bank of America did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Bank of America did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Bank of America did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?
Product: Student loan

I requested an application for forbearance in XXXX. ( Please note that XX/XX/2024 request was not the first request for forbearance. ) I emailed FirstMark requesting forbearance due to temporary hardship while I am in legal proceedings regarding permanent and total XXXX. FirstMark declined to discuss forbearance with me via email, stating that I would be required to call their office. I informed FirstMarXXXX of speech impairment and requested a reasonable accommodation to write to them via postal mail or correspondence through email. 

In XXXX of XXXX, FirstMarks representative responded to my email stating that I must call. From XXXX until now, I have repeatedly contacted FirstMark to request forbearance application. I filed a CFPB complaint in XXXX when I was received notice of pending default. 

Following the CFPB complaint, a FirstMark representative emailed me stating that they would process my forbearance. I immediately submitted the requested details on XX/XX/XXXX. FirstMark also informed me that they could report to the credit bureaus on the last business day of the month. 

FirstMarks website indicates that they respond within XXXX hours. However, I did not receive responses to my many requests for status updates although I received confirmation emails following each request between XX/XX/2024 and today. 

Today, I received notification that FirstMark reported delinquencies for XXXX ( XXXX ) accounts. This action predated the timeline they sent to me. Reporting would have been reported on XX/XX/2024. 

This is a repeat incident wherein I have made good faith efforts to maintain good standing on my account, only to experience a negative outcome corresponding with FirstMarks processing delays or outright refusal to communicate with me via email. These actions reduced my FICO score by XXXX points today. Including, the two prior incidents, my overall credit rating has been impacted and my XXXX score has dropped approximately XXXX or so points. 


I contacted FirstMark today, XX/XX/2024, to advise that I would be filing an additional complaint with CFPB. FirstMarks representative then responded stating, in error, that the application for forbearance was submitted today. That statement is verifiably false, so I do not have confidence that FirstMark will handle my account details with integrity.