23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I filed a dispute on a 1 account through XXXX. The account is owned by a debt collector, who also owns another account with me. Both accounts paid off. I only have an issue with one of the account, which is a XXXX ( original creditor ). On XX/XX/XXXX, after speaking with XXXX, I contacted the debt collectors to set up a automatic payment to be schedule out of my personal bank account on XX/XX/XXXX. XX/XX/XXXX, the debt collectors received my dispute notice. XX/XX/XXXX, they took the money out of my account. I was told by the debt collector they do n't accept payments on disputed account, but because I set it up to be taken out before they received the dispute notice, they still took the money. although, they could 've canceled the automatic payment before XX/XX/XXXX. I was never told that they received the dispute notice, until the dispute was settle through XXXX ( original creditor ). I did n't have a problem with it, because I figured once the dispute was won in my favor they 'll refund the money back. on XX/XX/XXXX, I received a letter from XXXX ( original creditor ) stating " the investigation was completed, and the claim has been resolved in my favor. I contacted the debt collector to let them know, and they wanted proof. I faxed the letter after being told a number of different things to do from many different representatives. on XX/XX/2017, I finally get a letter regarding my dispute and it stated that the believe their information is correct according to the information received from XXXX ( original creditor ), and they 'll need a police report to further process my dispute. They never contacted XXXX ( original creditor ) for recent information regarding the dispute. long story short, they 're giving me an extremely difficult time with refunding my money and verifying XXXX ( original creditor ) information on the disputed being won in my favor. I been told lies, contradictions, and questioning me on why I paid a disputed account. There is so much more information that was wrongfully said by there representatives. I am currently waiting for all recorded conversations and information regarding myself.
Product: Credit reporting

I made a transaction with auto transportation company and they charged my ( credit account ) {$140.00} on XXXX /2016. I made payment of ( {$720.00} ) on XX/XX/XXXX/2016 to my credit including the aforementioned amount. On XXXX/XXXX/2016 my credit account balance was ( ZERO ). 
Later I cancelled my order with the transportation company and asked them to refund me my money to the credit account, and they did so. 
I contacted credit company and asked them to transfer the ( refunded {$140.00} ) to my checking account because this amount is ( MINE ), and they did so on XXXX/XXXX/2016. To this point the credit company and me are even and there is no debit on me. 
Later on I saw that the credit company ( CHARGED ME AGAIN ) the ( {$140.00} ) and they added it to my balance. I visited XXXX branches of Bank of America several times, I called credit company several times but they did n't solve the problem. 
The credit company wants to charge me ( TWICE ) for a debt that I 've already paid. 
Please help me, I 'm a low income person and I do n't find money in the street, I work hard to earn my money and I want my {$140.00} back. 
Best regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report a collection from a company named XXXX XXXX. I have never done any business with such company and should not be reporting any debts under my name.
Product: Prepaid card

I am a victim of identity theft and my government benefits were fraudulently used. 
When I received my benefit card in the mail the account had a XXXX balance and that is not right. I have sent Bank of America all documents to verify me being a victim of identity theft including, identity theft report from the Federal Trade Commission, Police report from XXXX Police Department, and copies of my government ID and social security card to verify that it is me .Despite Bank of America advertising and promoting the XXXX $ liability guarantee that states I should not be responsible for unauthorized and fraudulent charges Bank of America still has not sent me a refund after receiving all proper documentation
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Student loan

Navient Student Loan Service reported a balance increase ( interest increase ) during the Federal Covid Forbearance on or around XX/XX/2021 which caused a drop in credit score. There should have been no increase as all of my loans are federal and covered under Covid forbearance prohibiting interest accrual and balance increase. They now will not respond to my contact attempts including email sent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as they are the result of fraud or a data breach. Additionally, I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, so please review it carefully. I never authorized these actions, and their reporting violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Blocking of information related to fraud or data breaches.

Section 604 ( 15 U.S.C. 1681b ) Permissible purposes for accessing consumer reports.

After contacting the reporting companies, I confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be removed. This unauthorized reporting by creditors or third-party data furnishers is unlawful. 

I request an immediate investigation and a written response confirming the removal of these fraudulent items.
Product: Checking or savings account

I have a valid claim that my personal information was impacted by the Data Breach. I was contacted by the administrator for the XXXX payment from the lawsuit. That was paid to me. However I have not received the initial payment nor was I contacted about it to receive it. I've reached out to the administrator about it and was silenced with no response. After I was told UN- CLEARLY that I WOULD NOT RECEIVE IT. SO I EMAILED BACK TO PLEASE CLARIFY THE RESPONSE AND NOW NO RESPONSE FOR DAYS. 
Clearly they were able to contact me for the XXXX payment of {$22.00}. 
But the harm done to me by this breach was very harmful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are XXXX, Experian, and XXXX did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how Experian violated my rights.
Product: Credit reporting or other personal consumer reports

I can't be affected by things that don't belong to me, I need this to be removed immediately XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Student loans managed by MOHELA were reported XXXX times to the XXXX credit bureau, indicating my loan balance was XXXX when the actual balance was XXXX. My XXXX credit was negatively impacted by approximately XXXX points to this error. My credit report shows that MOHELA closed these duplicated accounts as of XX/XX/2024 instead of reporting the error to the credit bureau, which has again negatively impacted my credit report.
Product: Debt collection

Good afternoon, I got business loan from Bank of America 5  years ago. My financial situation changed ( got divorced ) and was trying to re-negotiate my interest rate and loan term. Bank refused to do that for 3 years now. Only put me on Forbearance.and makes my debt even worst. It is not possible to work with somebody there because they all the time changing representative. 
Now they threatening me to sue me instead to come to right solution. I do not want to file for bankruptcy, I love my profession and I would like to continue helping my patients. Bank does not understand that dealing with XXXX insurances is killing our profession. 
Please help! Thank you. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX
Product: Credit card or prepaid card

Closed a business platinum American Express card in XX/XX/2019 due to business closing. Credit balance was paid in full. The acct was closed via phone. We had three platinum cards assigned to company. Once the acct was closed we tried using the cards to check if acct was closed as requested. Each card was rejected when attempt to use. Just recently I was called by American Express to tell me there is a {$620.00} amount that is some 60 days past due on the platinum card acct.. When I asked what the charge is for, I was informed it is the annual fee and was due in XX/XX/2019. I advised them the acct was closed XX/XX/2019 & they say they dont have ant record of the acct being closed. I then ask them what activity ( charges ) were made on card since XXXX and they said no activity on the card since XXXX. Again, I told them the acct was closed. They are demanding the {$620.00} be paid or they will turn me into the credit reporting agencies. I explained it doesnt make sense to pay this charge since the acct is closed therefore we havent been able to charge on the card since and forward.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$9000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Checked XXXX report and noticed derogatory reporting. I disputed derogatory for having no knowledge but item was not removed
Product: Mortgage

XXXX loans purchased my loan XXXX of XXXX they have not been able to get any of the information sent to me correct. Payment dates, terms etc. My loan is a bi Weekly adjustable rate mortgage. The rate changes bi weekly and the payment is recalculated on an annual basis for the terms of the payment. During the year my principle payment can go up or down based on the adjusting rate. The biggest problem started on my annual payment recalculation. My interest rate dropped by .12 % yet they dropped my payment by XXXX dollars a month. The loan was originated 20 years ago on a balance of about XXXX resulting in a biweekly payment of roughly XXXX prior to the adjustment. The adjustment came in and they dropped my biweekly payment to XXXX. This all happened in XX/XX/XXXX. The paperwork they sent shows my loan which had around 150 months left to pay now shows 339 months and the new payment reflects an amortization schedule in the same realm. They have changed my loan terms and extended my loan out over 10 years. In no way is this acceptable to me. I have been trying to get accurate information from Rushmore for over a year. Nothing they send ever reflects the current and accurate status of my loan, from payment terms, dates, amounts and now loan length. I have another identical loan from the original bank that I can track side by side to show these amounts are incorrect and Rushmore is in violation of Respa and will not do anything to fix the issue. I am currently on my 4th " Loan review '' with the same answers that everything is on track and correct. I have loan statements for this property and the identical property with the same loan still serviced by XXXX XXXX for over 15 years. I can provide side by side comparison if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is included in the breach of security. The data has been mishandled and needs to be resolved quickly.
Product: Credit reporting or other personal consumer reports

The payment status on my credit report inaccurately reflects consecutive XXXX late payments for the same account across all three credit bureaus : TransUnion ( XXXX, XXXX, and XX/XX/year> ), XXXX ( XXXX, XXXX, and XX/XX/year> ), and XXXX ( XXXX, XXXX, and XX/XX/year> ). This information is incorrect, as the payment status for this account was current and paid on time during these months. I request that all inaccurately reported late payments be deleted and the status be updated to " Paid on XXXX. ''
Product: Credit reporting or other personal consumer reports

In XXXX I was looking to buy the house hence I checked my credit report and found some of the wrong addresses, phone number, credit cards and employment history. I called them several times to fix the issues as my closing was approaching. I provided them with all the necessary information and documentation so it can be fixed before closing and they kept telling me it ll be done. Despite doing all that and calling them twice a day I couldn't close deal on time so I had to pay fine and fee for extension. I suffered financial issues and mental harassment as they weren't really helpful. 
Even today I see some of those accounts under my name and they have added few more new things which doesn't belong to me. But I am scared to call them as I don't want to go through the same stress again.
Product: Credit card

I had a credit card with Barclay Card USA which I asked them for full balance for payoff so I could close the account several months ago. I paid the amount they provided as the payoff and closed/canceled the credit card. I received a bill today from the credit card company and when I called them about it they would not provide me any information. Once I paid off the payoff amount they provided and canceled the card then nothing should have charged my account.
Product: Debt collection

This company placed a collection account that was result of identity theft and I previously notified them of such, but they are still attempting to collect on this fraudulent account and placed it on my credit report. Despite me advising them that it is identity theft. I have I have included an additional identity theft affidavit that I recently filed to support my claim.
Product: Checking or savings account

On XX/XX/XXXX, I spoke with customer service representative by the name of XXXX. I explained to her that I wanted to OPT OUT of my personal information being given to 3rd party nonaffiliates. She ( XXXX ) instead of assisting with my VALID request, she ( XXXX ) asked how did I hear about there company and who referred me. When I answered her question she ( XXXX ) then indicated she could not assist me with my request, as the do not provide Opt Out option. However, according to the law you are required by law ( 12 CFR Part 1016.4 ( a ) ( 2 ) to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 12 CFR Part 1016.7 indicates you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 

As of today, XX/XX/XXXX, I have not received a privacy notice or Opt Out notice from Early Warning Services , LLC. Per 15 USC 6805 and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not XXXX XXXX complaint in regards to the balance being reported and also the payment history.
Product: Mortgage

I received a letter From Bank of AMerica XX/XX/XXXX that my heloc on my condo rental property was going to reset on XX/XX/XXXX. I called immediately to discuss my options. I am currently paying interest only and now they want to convert to a regular mortgage at {$700.00} more a month then I am currently paying. I am unable to pay this so I asked for a modification. I was told it was too soon to start the process. I kept calling and XX/XX/XXXX I was told that I could not do anything more than XXXX days in advance. I waited the XXXX days and called back to start the process. I am upside down between the value of the property and the XXXX mortgage and the equity loan. I was told I would have to apply for a regular mortgage and get a denial letter. I went to XXXX mortgage brokers and was told there are no programs for me and they would not issue a denial letter. I had Bank of America mortgage dept talk to the Bank of America modification department and they told my cust serv rep XXXX XXXX that it was nonsense and they would send them the denial letter. When I called back they told me they had no record of speaking to their own mortgage department.. I repeatedly had issue with this customer service rep. I asked for a supervisor and was told I could n't speak to one. I asked for a different rep and was told I could n't have one. I kept calling back to check on the status and I was told each phone call that some item was missing. I asked them to tell me everything they need and I would send it to them. I finally had to write a letter explaining that all my troubles and that I wanted this XXXX XXXX removed from my account. I received a call from someone else and they told me they wanted more information. I finally got to the bottom of this and they said they had all the info they needed and my information was in underwriting. That was XX/XX/XXXX. It took from XX/XX/XXXX to XX/XX/XXXX to get this far. I have called back twice to check on the status and was told they are still reviewing it. It is supposed to reset on XX/XX/XXXX. I am out of time. I do not want to have to default on this loan to get someone to help me. I was hit 3 months ago with a {$8500.00} assessment that also has to be paid. I do n't know what else to do. At this point if I can not get any modification or answers I will have no choice but to default.