23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records.It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent accounts. 

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

I received an old bill for XXXX XXXX XXXX XXXX in XXXX, FL. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.
Product: Debt collection

They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work, yet they continue to call during those hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a mortgage on my home and the lender told me there was a collection on my credit from Capital Credit and Collectionis Services. I had no idea and had never been contacted by them.regarding the alleged debt. They had filed a lawsuit without notifying me and I happened to find it because of my lender pulling my credit report. I was unable to get that loan. I answered their lawsuit complaint and I countersued them in federal court, they have not responed to my answer at all. The fact that they violated FDCPA. Forged my Signature on the paperwork they claim I signed and never contacted me regarding the debt is enough but they also reported it to all three credit bureaus and I would like it removed. I have tried reporting it with the 3 burueus but they have not removed them.
Product: Mortgage

I was approved for a FHA streamline home refinance loan with XXXX XXXX XXXX at a much better rate of 2.5 %. My current FHA home loan is with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX  received and responded to a letter requesting the payoff amount for my current home loan ( see attachment ). 

On, XX/XX/XXXX I received a call from XXXX about the XXXX payment to which I informed customer service that I was approved for the FHA streamline and that the payoff for their loan ( i.e. closing date ) would occur by not later than XX/XX/XXXX. I was told that this would be noted to my account. 

On, XX/XX/XXXX I received another call from XXXX customer service about the XXXX payment. I informed the agent that we would were scheduled for closing on new home loan on XX/XX/XXXX. We did in fact sign all documents to close on the loan on XX/XX/XXXX. 

All closing documents were filed with the XXXX XXXX Clerks and a wire transfer for the full amount as given by XXXX for the loan payoff was sent on XX/XX/XXXX ( see attached document ). 

On XX/XX/XXXX I received a call from XXXX stating that I owed for the XXXX and now XXXX mortgage payment. I told them that the loan was refinanced and paid off on XX/XX/XXXX. The agent stated that the pay-off amount was incorrect and short by {$2100.00} which needed to be addressed. I told her that I would call XXXX XXXX  XXXX to find out if they are aware of this discrepancy. When I reached out to XXXX XXXX  XXXX they were totally unaware of this and was not informed by XXXX that anything had changed from the payoff amount that they gave them on XX/XX/XXXX. 

To date there have been many calls back and forth trying to get someone from XXXX payoff department to call back XXXX XXXX  XXXX to work this out. Messages have been left and none have been returned. 

I also just looked at my credit report and see that XXXX marked me as past due for 30 days!! This has had a negative impact on my credit score which now prompts me to solicit legal assistance to address this unwarranted damage to my credit score. 

We filed a complaint in the past about this company ( XX/XX/XXXX ) and the highly improper difficulties in communicating with customers and other businesses to resolve issues around how they have handled servicing our home loan. Now we find ourselves once again caught up between XXXX 's mismanagement of our loan via poor communication which has subsequently caused damage to my credit score. Please assist with helping us to resolve this issue and get XXXX on point to take the necessary measures to resolve the loan pay out discrepancy with XXXX XXXX XXXX and retract the 30 day past due status they reported to the credit agencies.
Product: Debt collection

There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me.
Product: Checking or savings account

I am writing to file a complaint against JPMorgan Chase Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Chase Bank for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I have been a victim of identity theft. On XXXX XXXX, 2015, I paid a fee for a full " security freeze '' on all XXXX credit reporting agencies. XXXX, XXXX & Equifax. I was contacted on XXXX XXXX, 2015, by an online retailer calling my home phone to verify an application for credit, since they were able to veiw my credit report and saw there had been a fraud alert placed on my information, to a company called " XXXX '' ( several weeks after I had paid for a full security freeze be placed on my credit accounts ) The online retailer was able to access and view my credit report via Equifax, even though I have paid to lock down the viewing of my reports by any thrird parties. I have made several attmpts to contact the Equifax agency, and have not been able to speak with any company representative. All phone numbers lead to automated services or refer you to go online. I have been unable to find out why identity thieves are still able to apply for lines of credit even AFTER I have FROZEN all XXXX agencies credit reports. Thank you for you time and helping me with this very serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Applied for an FHA Mortgage with Rocket Mortgage and asked multiple times for a Loan Estimate from them. Was provided with screenshots and a Loan Summary that was missing information to compare loans. 

Lender is not upfront about the origination charges =, interest rate or APR. There is no way to mortgage shop with the information given. Lender also pulled my credit. Now I have an additional Credit inquiry but no information about the loan details.
Product: Debt collection

This company called my ex husband, his wife and my son, concerning this debt. The debt was actually discharged in a bankruptcy XXXX months ago. They also told my ex-husband that I used him as a reference. Which is totally false.
Product: Student loan

I tried to submit a teacher loan forgiveness application and they lost my application. I submitted the application again after talking to XXXX people at Nelnet. Then when I called back to check on the status they told me that I needed to submit another form for a different school that I worked at. I had already called previously and asked if I needed to submit any other papers and they told me " no ''. Therefore, I have been paying my loan for 5 months and it should be forgiven. I am still paying my loan because I have to wait for them to approve the new forgiveness paperwork.
Product: Credit reporting or other personal consumer reports

I have contacted each credit bureau repeatedly the past year ( XXXX, XXXX, and Equifax ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX submitting this complaint against TransUnion and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) TransUnion has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions.

WHICH I GAVE TRANSUNION NOT WRITTEN CONSENT!!!!!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a notarized certified letter was sent a letter to XXXX XXXX to verify that they provided me with the required XXXX disclosures. 
I was unaware of my right to opt-out of having my information shared, which directly led to a security breach on my personal identity impacting my credit report. 
At this point my information has been shared so much. I have over XXXX security breaches/inquires since XX/XX/XXXX when the lease for XXXX was signed. I have paid every amount onetime since the opening. When learning about this violation of my privacy because of this lease. Them not sending me the These forms at signing or at dispute request, as mandated by the XXXX, should have included : Privacy Notice : This document should have outlined your institution 's policies regarding the collection and sharing of my nonpublic personal information, explaining the types of information collected, how it is used, and under what circumstances it might be shared with third parties. 
Opt-Out Notice : This notice should have given me the opportunity to " opt out '' of having my nonpublic personal information shared with certain nonaffiliated third parties, with clear explanations on how to exercise this right.

Safeguards Notice : This should have detailed the measures your institution takes to protect the security and confidentiality of my personal information. This could have been included in the privacy notice or as a separate document. 

I received none of these documents and my request is that this is removed from my account as soon as possible.
Product: Debt collection

Date : XXXX Local Time I received the call : XXXX XXXX  Name of the company : Direct Capital , aka Direct Capital & XXXX Their contact # : XXXX There are multiple issues with the call Mr. XXXX XXXX from Direct Capital made today on behalf of their client XXXX. 

He broke the law with Multiple FDCPA violations. 

Lets start with : # 1 ) Communication : a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location. The incoming call was made at XXXX XXXX # 2 ) False or Misleading Representations : The threat to take any action that can not legally be taken or that is not intended to be taken. 
In the call XXXX XXXX in a threatening demeanor said he was going to pursue further litigation, when I asked for their " BAR # '' XXXX XXXX said they had none. A litigating attorney has a BAR #. 
He also failed to recite the XXXX. 

# 3 ) Harassment or Abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 
Mr. XXXX XXXX, towards the end of the call, in a threatening manner said " I wish you the best of luck ''. 

# 4 ) Spoofing : is the act of disguising a communication from an unknown source as being from a known, trusted source. Spoofing can apply to emails, phone calls, and websites, or can be more technical, such as a computer spoofing an IP address, Address Resolution Protocol ( ARP ), or Domain Name System ( DNS ) server .... 
The call XXXX made came from a local number XXXX, I asked for a physical address, he said they are in New York, he provided me with the address of XXXX XXXX XXXX, XXXX NY XXXX. 
Spoofing is used as a form of deception ....
Product: Debt collection

Reported an account that's paid. Reporting inaccurate information on another account. Stated that they'll accept payments but could still report to credit bureaus. Said that I'd have to pay in full to prevent negative reporting to the credit bureaus. I'm on XXXX and the amount owed is more than a months earnings for me. Was told I should pay them and ignore new medical bills. If I ignore new bills, they'll end up here and will be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX
Product: Mortgage

We are doing everything we can to avoid foreclosure. We have already sent requests to postpone foreclosure so as to do a short sale. We have already sent in all the required documents. The foreclosure date is still set for XX/XX/year> and in order to complete a short sale we will need a post pone. We have completed a face to face call with XXXX over at Essex mortgage to put in the request for short sale.
Product: Debt collection

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

nder Fair Credit Reporting Act 1681b ( 2 ). XXXX never had a permissible purpose to furnish this report. I never instructed XXXX to furnish this report or create this report. Furthermore I never consented to this report in the first place. XXXX is reporting an abundance of incorrect and inaccurate information, which they are NOT exercising their grave responsibility with fairness and respect for my right to privacy ( 15 US Code 1681a ( 3,4 ). Inaccurate/Incorrect information : 1. ) XXXX acct XXXX XXXX {$120.00} 2. ) XXXX XXXX XXXXXXXX XXXX Acct # XXXX {$1200.00} 3. ) XXXX XXXX Partial Acct # XXXX {$520.00} 4. ) XXXX XXXX XXXX Partial acct # XXXX {$680.00} 5. ) XXXX XXXX XXXX acct # XXXX {$160.00} 6 ) ALL Inquiries 7 ) ALL personal information besides my Currect name and Current Address.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiries 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I am once again responding to the previous complaints that I have made against this company. I stand firm in the fact that I did not consent to have this vehicle in my name. The only document I signed regarding this vehicle was giving XXXX permission to deposit the post-dated check that I provided as part of the down payment for the vehicle. 
I have inspected the document that Credit Acceptance submitted as the signature page and, once again, I did not sign this document. Not sure if my signature was transposed onto this document but I did not knowingly sign it. I have gone to the town where the car was originally purchased -- XXXX XXXX AL -- but the car lot no longer exists. 
I have been doing research on this company and I've noticed a lot of complaints similar to mine. 

Because Credit Acceptance is adamant that I willingly consented to this contract, I will instead dispute the validity of the contract, based on federal and state laws.
Product: Credit reporting or other personal consumer reports

all items reported on my credit report are listed incorrectly. I'm looking to delete and remove the invalid items to help clear my file. this has been hindering my report. please review and remove asap.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Other financial service

Student loan scam. Signed up after they promised to eliminate my interest, get out of default, and get a fixed payment. Realized after that I was scammed, give credit card info for preliminary payments. Was supposed to receive paperwork in the mail, never got it. They call themselves Student Loan Relief Program, called Manhattan Beach Venture LLC when they tried to withdraw money from my account. Luckily, it did n't work and I 'm not sure why ... .not sure what to do next.
Product: Credit card or prepaid card

I saw the following offer in my BankAmeriDeals : Earn {$5.00} cash back on your XXXX XXXX purchase, when you spend {$0.00} or more! 
Your {$5.00} cash back is earned within 30 days after making your payment. 

ThenI added the offer to my account and made the purchased using my BoA credit card on XX/XX/XXXX ( posted on XX/XX/XXXX ). It has been more than 30 days ( as of today XX/XX/XXXX ) but the cash back has not been credited. I called Bank of America 4 times and was either asked to wait for longer or the phone call was mysteriously transferred to a random clueless customer service representative.
Product: Mortgage

Basically I submitted a previous complaint XXXX with CFPB in regards to The Money Source not properly transferring loan payments to XXXX XXXX. The Money Source never transferred funds or provided actual proof such as a wire # or check receipt etc. I reached out to XXXX XXXX on XX/XX/XXXX and they still haven't received any funds and are expecting a XX/XX/XXXX payment. I have reached out to XXXX XXXX who was listed below at a POC for TMS and she has not responded to my inquiry. 

Here is an outline of the previous complaint ... 

XX/XX/XXXX Consumer Financial Protection Bureau Online Portal Re : Case XXXX To Whom It May Concern : The Money Source ( NMLS # XXXX XXXX ( TMS ) is in receipt of the complaint filed by Mr. XXXX XXXX XXXX the Borrower ) with the Consumer Financial Protection Bureau. Mr. XXXX complaint states that TMS transferred his loan to mortgage servicer, XXXX XXXX, but did not forward his XXXX payment. Upon receipt of the complaint, TMS conducted a thorough review of the account and determined that the loan was originated with XX/XX/XXXX on XX/XX/XXXX, with a first payment date of XX/XX/XXXX. The loan transferred to TMS on XX/XX/XXXX. The Borrower made a regular monthly payment of {$1900.00} on XX/XX/XXXX and additional principal payments of {$1700.00} on XX/XX/XXXX and {$1300.00} on XX/XX/XXXX. The loan was scheduled to transfer to XXXX XXXX on XX/XX/XXXX, at the full principal balance of {$340000.00}. Rather than being placed in a suspense account, the XXXX payment and principal were applied to the loan in error, delaying the transfer process and posting of the funds. The funds will be transferred to XXXX XXXX by Friday, XX/XX/XXXX. TMS has advised XXXX XXXX of the date of receipt of all funds so that they can be correctly credited to the account. The issue has been escalated to management for review of the payment posting and transfer process and addressed through training to ensure this does not occur again. TMS sincerely apologizes for the delay and frustration caused by this error. If you have any questions or need further information regarding this complaint, please contact me at XXXX. Sincerely, XXXX XXXX Vice President, Regulatory Compliance.