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

LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED XXXX   VIOLATIONS ATTACHED
Product: Debt collection

On XX/XX/XXXX approximately XXXX I received a phone call from 'XXXX ' from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for XXXX county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : My name is XXXX XXXX, and I am writing you today because I would like to submit a complaint to address what I believe are discrepancies on my credit report. In preparation to purchase a new home in the future, I obtained my credit report and noticed several accounts that are of concern require attention. I hope to gain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the correctness of some of the accounts that reviewed and I am not entirely convinced that all the information within these reporting accounts is true. According to the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is precise. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : 1. XXXX Account # XXXX XXXX. XXXX XXXX ( XXXX XXXX : XXXX ) Account # XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. XXXX ( Original Creiditor : XXXX XXXX ) Account # XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 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 consent to do so. 
Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
Should you initiate an investigation it will be very much appreciated. I understand that a thorough investigation takes a period of fifteen days for completion. After the investigation has begun and has been completed, please remove the accounts with discrepancies in direct violation of the Fair Credit Reporting Act. I would also like to formally request a report of your findings and what representatives had access to my personal information while the investigation commenced. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 
ACCOUNTS : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX ( Original Creiditor : XXXX XXXX ) Account Number : XXXX
Product: Consumer Loan

I got a personal loan to get my credit established and to get my car fixed from a certain loan company. I stayed caught up on my payments for as long as I had it, maybe 1 yr or little over and my payments came straight out of my bank on time. Then I get a letter about 2 months later stating that my payments was late and they could n't no longer get the payments from me because they sold my car title to another loan company and I had to sign papers so they can withdraw payments from my bank account again and then I ended up having to pay 2-3 months to catch up. I was n't notified and I did n't sign anything. Why? Because they did n't inform me until I was 2-3 months late. I could n't pay that much at one time because I 'm on a fixed income. Also the loan company they sold my title to another loan company that NEVER let me barrow anything from them when I asked in past. I am concerned, upset and overwhelmed from this. It is ruining my credit as I am trying to gain it back. I feel it is wrong that they DID NOT let me know nor did I sign papers for them to do so. I need some help in resolving the matter. Could someone at CFPB help me get through this?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this problem.
Product: Debt collection

Hi, It shows in my credit that I owe {$720.00} and it was opened on  XXXX   XXXX . The name of the creditor is called ARS Account Resolution. The second creditor that is charging me money on creditor is charging me {$2200.00} and it was opened  XXXX   XXXX . The creditor 's name s called  XXXX   XXXX   XXXX . I did not take my daughter to the hospital during the months that is shows in my credit reporting. I have been false accused of taking her. Can you please ask them to check the signature of who signed the release medical information? Also, ask them to print me the ID that was used when the person went to the hospital? I do not understand why I am being charging of something I did not do. I just want the creditors to fix this issue they are accusing me of. I hope you can remove these  XXXX  charges out of my credit which are the amounts {$720.00} and {$2200.00}.   Thank you for taking the time to read my complaint.     sincerely,  XXXX   XXXX   XXXX
Product: Debt collection

in this account i have a settlement with the company which they asked for an amount to pay off this account. I paid this off in 3 payments they stated it would come off my credit all was settled. Well it was sold to another company after I paid the settlement amount.
Product: Checking or savings account

Hi, a month ago I contacted you all about the company PayPal and I got their response and believe me when I say Im so frustrated at this point I dont know if its worth living. I told them Im in school and Im helping out taking care of my family and they bluntly ignored everything I said. They have wrongfully withheld my money from me and with no proper reasoning. I read their responses and they said I didnt turn in the proper documents when I clearly did and then they lied and said I did it under someone else name names XXXX XXXX. I have no idea who that is or where they got that from and how could I alternate a bank statement that makes no sense. Im beyond frustrated Im to point where Im just really really depressed. I cant stop crying right now because I have done nothing wrong but open an account with the trust that PayPal will be a good fit for me and that I can trust them with my money. I wasnt offered no appeal, no real explanation till their response, and even then Im not offered no real solution. I cant wait till the end of XXXX to receive my money why dont they understand that theres people like me who need that money. Its not fair for them to keep it away from us. As I just learned Im not the only person going through this it just makes me more depressed. I dont think I can deal with this anymore Im having XXXX XXXX left and right just thinking about what am I going to do next, how am I going to help my family, where is my next funding coming from, and how am I going to get through school. This is just a lot for me to handle. I seriously need your help because at this point they dont care about me or my family. They are being completely bullies and acting like this okay. Its NOT OKAY! YOU ARE MAKING PEOPLES LIVES HARDER AND DIFFICULT!!!! Isnt it already bad enough the corona virus is here and no one can really work no one can really support their family.
Product: Credit card or prepaid card

I am merely following up with # XXXX since there is no way to send email. WHY is Cap1 telling me a payment is due if they are still researching, they MUST FREEZE my account. I have paid it off in full, and had XXXX balance prior to the fraud. they MUST not require a payment from me, I want to file charges.
Product: Vehicle loan or lease

About 4 years ago my husband was sent home from his job early after putting in his 2 weeks notice. This was 3.5 weeks before his new job was to start. I called the loan company as we lived in Arizona a right to work state cause we didnt get paid. The loan company asked if I knew when we'd get paid at that time I did not. We missed 2 payments as we went 6 weeks without pay. We made a payment and set up auto pay biweekly. The auto payments monthly were {$200.00} more than my payment. We recently applied for a home loan only to find out the loan company reported the last 2 years and 2 months of payments late. One auto pay we never missed a payment. I have contacted the company and they told me I'm out of luck. I finally read the reviews on the company and found this happens often and in fact they have had several lawsuits around this matter.
Product: Credit reporting or other personal consumer reports

There are multiple mistakes listed from XXXX XXXX XXXX on my reports. I would like to have these " late '' Payments removed under the truth in lending act. On XXXX, it shows late payments in XXXX and XXXX of XXXX for 30 days late each... As well as in XXXX and XX/XX/XXXX for 30 days late. On Both XXXX and XXXX, it list 60 day late payments in XXXX and XXXX of XXXX, which doesn't make sense to be 60 days late in both months. It also shows 60 days late in XXXX and XXXX of XXXX, but paid on time the month before. These should be removed from my credit report for falsely reporting late payments inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report XXXX  months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$150000.00} XXXX XXXX {$570.00} XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

3 ssues 1. A late payment is showing on all 3 credit agencies in XXXX during the time I was on a COVID forb under the CARES act which later transition into a modification. How can I be on a COVID Forbearance transitioning to a mod but late marking on my credit report violating FCRA 15 U.S. Code 1681 2. Late fee removal due to taking care of my XXXX  battle with XXXX XXXX in which he has now passed away as of XX/XX/XXXX. 

XXXX. Loancare has been holding my insurance funs in restricted escrow for over 12 months refusing to pay and keeps asking for the same documents over and over. I was advise on a recorded line any outstanding docs they have lost will be waived and the agent bypass this, sent a 3rd party to perform an inspection XX/XX/XXXX to show the repairs complete. My funds have been promised verbally on phone calls, yet I have threaten letters from the contractor and lien on my home all because the servicer is illegally holding on to funds that needs to be released based off the completion of the repairs all the above impacts the integrity of my name and my credibility as a consumer
Product: Debt collection

On XX/XX/2020 I went to the hospital on a XXXX XXXX XXXX they seen me in the XXXX XXXX and looked at my shoulder and referred me to the XXXX XXXX XXXX who took XXXX XXXX and XXXX XXXX and determined i had XXXX XXXX in my left shoulder went to XXXX XXXX for several weeks and then was referred to a XXXX XXXXXXXX who treated me and more therapy was finally released back to work around XXXX to full duty and then in XXXX I received a bill for initial hospital bill told them it was a XXXX XXXX XXXX  and even called the insurance company handling my claim never thought any more about it till i checked my credit report to find this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX, TD bank Nordstrom as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
XXXXXXXX XXXXXXXX is reporting a charged off account of {$0.00} on my credit report, Nordstrom {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Product: Credit reporting or other personal consumer reports

There are loans from other states and places that I've never used or ever thought about using is popping up on my credit report but I'm not the one making these account like all state, XXXXXXXX XXXX popped up twice it's causing me not to be able to open up bank accounts I have check fraud also and It's not me
Product: Mortgage

Citimortgage has consistently for more than 3 years lost documents, required innecessary documents ( birth certificates ), ran credit checks during modification processes. They have refused modification due to " irreconcilable differences '' and refused to give an exact reason for modification refusal. Did however state that it has nothing to do with my ability to pay my mortgage. In XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists '', and in XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists ''. Each time it was requested that we submit paperwork. I have submitted 5 years of tax returns, 4 years of income, birth certificates ( twice! ), bank statements, income verification forms, etc. I filed a complaint with the Consumer Financial Protection Bureau and Citimortgage replied on XX/XX/XXXX ( complaint # XXXX ) with only a partial answer. Final answer were suppose to be over to Consumer Financial Protection Bureau by XX/XX/XXXX but was never answered by Citimortgage. Now this complaint seems to be missing from the Consumer Financial Protection Bureau data base. My life has been on hold for over 3 years now while waiting for this modification to be completed. All along our income has fallen within the guidelines of this modification.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I paid in partial payment over the phone, I told them repeatedly I'm searching for work, and I will call them about when I do find a job in which I did on XX/XX/XXXX, XX/XX/XXXX they called and told me that I have to pay the whole {$120.00} because I can't do partial payments anymore I said once again I just started this job how am I supposed to get that up I explained I need more time and they won't do it I'm tired of their attitudes and threats cause I just started this new job I moved to XXXX XXXX, AL and I had to get rid of the other job to move their ad find another one. If they want the {$120.00} I need more time because it's not fair or right I have to keep on being threatened like this I'm not the only one avoiding them and recently up to now I've been on time paying so I need more time or they can garnish my wages once I start getting paid whenever that is this month.
Product: Credit card or prepaid card

I received a {$50.00} gift card for my birthday that was purchased at XXXX by my mother-in-law on XX/XX/2022. When I went to check the balance of the card on XX/XX/2022, there was a {$49.00} charge from XXXX on XX/XX/2022 that I did not make. I called the customer care number to report the fraudulant charge. The person I spoke with told me in order to start a case, they will need to know information that I was uncomfortable giving out. They wanted to know my name and then asked me for my birthdate. That's when I felt uncomfortable and ended the phone call. I did not see the need for them to know my birthdate and felt like they were going to try and acquire more personal information from me in order to engage in more criminal activity. 
The website to check the balance of the card is XXXX. The number I called for customer service is XXXX.
Product: Mortgage

It started when i tried to apply for home equity line of credit. I have a FHA loan and FHA down payment loan. I use to have XXXX XXXX for the down payment loan but i have a different service now with FCI Lenders. As far as i know there was no penalty paying off the down payment loan early. So i called FCI Lender to find out what's my remaining balance to pay it off but they told me that i have to write a letter and mail it to them that i want to pay it off. I was like, i just want to know my balance to pay it off. So i said never mind and just paid a lot more than the usual payment i do every month. On XX/XX/2020 i payed off the remaining balance on my account ( show 's on my monthly statement ). A couple weeks later i got a letter saying that i still owe money and i need to pay it off to get my account release. I thought there was no penalty? so i called my old lender about the problem im having. She told me, did i receive a change of service letter?, and i replied i think i did but it was a while back and when i tried to look for the letter which i normally save that i couldn't find it. She told me to ask the new servicer the change of service letter info, they should have it. So i called FCI lender and ask for it but they told me they don't have it. I ask, will my old service should have it? FCI Lender told me no, they won't have it.??? so who have it? I thought Reconveyance Fee was charge on the beginning of the loan? or any other fees at the beginning of a loan? Shout out to my old lender for telling me to check out CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX and Experian two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three  major credit bureaus, Equifax, XXXX and XXXX.