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

In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX/XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XXXX. Along with the XXXX  balance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ XXXX $ XXXX dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.
Product: Bank account or service

My bank, TCF, was robbed by a digital fraudster, and now the bank has taken it upon themselves to deprive me of my deposits until they see fit. I want my deposits back on demand, as per the function of a bank, and I would also like {$34.00} for each cent they have stolen from me, for each day that I have been deprived of my funds, as this is the fee structure in my agreement with the bank.
Product: Mortgage

We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. '' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX  Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

Experian has 2 negative accounts reporting on my credit report that are not mine. A credit card with XXXX XXXX and a auto loan with XXXX XXXX. I have requested for them to remove both of this fraud related accounts from my credit report because they are related to fraud and do not belong to me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have NO CONTRACT with this collection agency. Not only do have they failed to provide me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out a letter but I have not received any letter at all bearing my signature or showing that I have any contract with them or any copies of HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit card or prepaid card

I have a XXXX store card from XXXX XXXX   that has been closed about 6 weeks ago which I have no problem with but a multiple payments were made by mistake on this card and it now has a negative balance of {$29000.00} that XXXX XXXX owes me. 

I contacted the customer service several times and was told that the check was mailed every time. But after not receiving the check I called once again and after insisting I was told that my account was being reviewed by an account specialist. When I contacted the account specialist I was told that it would take a month for me to receive my funds back but here I am 6 weeks after my account closed and my money is still being kept by XXXX XXXX. 

Latest statement from XXXX XXXX has been attached. It is clearly showing the amount I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows presence of derogatory public record or collection, but am not aware of any. Also, shows a recent missed payment which I am also not aware of. I have tried calling but were not able to help me. This is found on credit reporter TransUnion. I also did notice a total amount of 14 hard inquiries which is much more than I remember. I believe car dealership checked loans with other banks without my consent. Please help, as I was not aware of any of these things. I am employed and a student. Thank you very much for the time.
Product: Mortgage

Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
On XX/XX/2016 Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XX/XX/2016 at XXXX ). 
Why was no notification sent to me, the borrower, that this transfer had taken place?
Product: Credit reporting or other personal consumer reports

Improper use of credit report and inaccurate information. Failure to respond and update. 
" see attached documents ''
Product: Debt collection

I have discovered a healthcare collection on my account, and I am unsure of its origin and how my information was obtained.
Product: Debt collection

Received a Summons/Complaint from Midland Credit Management dated XX/XX/XXXX. Received no prior documentation/never heard of this company prior to getting this so was not able to properly verify/validate the debt. There was also no supporting XXXX  documentation attached to this summons/complaint proving their ownership and accurate balance, so was unable to properly decide what to do. Summons says {$1600.00}. 

Since there was no previous communication from Midland, went and pulled credit reports and found discrepancies reported on the balance due/past due balance and also dates of last active between the 3 bureaus, as well as the original creditor still being listed as the owner of the account, all of which are currently in dispute with the bureaus. 

Submitted a generic answer to the complaint XXXX XX/XX/XXXX XXXX stating there was not enough information to either admit or deny their claims, and included counterclaims for FCRA/FDCPA violations. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX law firm suing ) then sent only 12 months of statements from XX/XX/XXXX to XX/XX/XXXX when they state the account was opened in XXXX XXXX many were duplicates XXXX. The information on these statements directly contradicts the information being reported on the credit reports. 

Then sent letter back to them on XX/XX/XXXX telling them this partial list of statements was insufficient to prove their claims and asked how they were able to properly verify this information with so little documentation prior to suing? Also mentioned their responsibilities per the XXXX CFPB consent order and subsequent lawsuit in XXXX XXXX due to these business practices, and demanded that they dismiss their lawsuit since they still up until the date of this complaint have yet to file anything with the court. 

Then XXXX XXXX sent another letter on XX/XX/XXXX with a " settlement offer '' still without providing the required XXXX documents that were requested. Refuse to even consider/discuss settlement until this documentation is provided. 

On XX/XX/XXXX received a " discovery plan '' that is due within 14 days, still with nothing filed with the court. 

Received an answer to counterclaims on XX/XX/XXXX denying all of the counterclaims. 

This law firm XXXX and Midland are continuing to harass/intimidate and litigate this outside of the court room. Even though the written disclosures were not provided stating they will provide this XXXX documentation within 30 days, have requested this information multiple times from law firm XXXX and they continue to disregard this important request for documentation. 

Law firm XXXX are also aware that this is clearly in dispute with both Midland and the bureaus, and continue to disregard this information as well, and are continuing with a " lawsuit '' and collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or Transunion and XXXX. Ultimately it is now on Transunion and XXXX  to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XX/XX/XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.
Product: Mortgage

We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CREDIT REPORTING REQUESTING TRANSUNION TO REMOVE 4 NEGATIVE REPORTING ACCOUNTS FROM MY TRANSUNION CREDIT FILE : DUE TO THE NATIONAL EMERGENCY AND PANDEMIC, I HAVE NO ABILITY TO PAY THE FOLLOWING 4 ACCOUNTS LISTED BELOW AND AM ASKING THEM TO BE DELETED AT ONCE. THESE 4 ACCOUNTS ARE : 1 ) XXXX XXXX  2 ) XXXX  XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Date XX/XX/year> XXXX XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 -48 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I was locked out of my coinbase / XXXX account in the middle of a transaction for no known reason. I have been on hold with coinbase for a total of ten hours. The first time someone answered they hung up on me. The second time someone answered she told me she would escalate my case to a ten on a scale of one to ten and they ask to correspond through email. No one answers my emails so I held on the phone today for another hour. I was told by XXXX that there was nothing she could do because she didnt have a phone number for the account escalation department and if she emailed them it would kick me out of line and I would have to start over. They are holding my money for no reason for two weeks now. Oh, and XXXX Answer was unacceptable to me so I told her I would hold so she could find out how to call this other department and she just hung up on me too.
Product: Credit reporting or other personal consumer reports

Experian has constantly allowed fraudulent undocumented activity on my credit report under the guise they will " investigate '', which properly and professionally implies they are going to demand documentation and proof, which the do not, they merely ask XXXX XXXX XXXX who's has constantly been reporting false and fraudulent credit slandering reports against me for at least months, refusing all my demands their predicated and required to provide to me which is proof and validation of which they have refused to show me, any credit agency and any other agency even the CFPB, and Experian and other agencies mislead and flat out lie and say they verified the accuracy, because they haven't properly and I know because not only did they tell me finally that's the extent of their incompetent investigation which favors them and scammers, but I know doesn't exist because it's impossible to produce as its a lie and not mine.So I request Experian do their due diligence in requiring what I've so far been denied, proof, documentation and validation from XXXX XXXX XXXX and provide it to me as well, and as soon as they act honestly, entrusted with allour sensitive info you will see XXXX XXXX XXXX as the scam they are and all FCRA, FDCPA, CPA, etc. they have ignored to follow intentional, thus it will stop.If not, what experian and the others allow is a scammers dream and is wrong.So in closing while I have discussions with the OCC about the negligent incompetence I expect them to provide what I demand per my rights under just the minimum of FCRA, Proof and validation and removal of all false and fraudulent credit reporting against me.I write this after again getting an incompetent reckless false notice they verified yet again with no documentation required taking these scammers at their word.This incompetence must stop it is damaging to everyone as the by not properly requiring proof, documentation, and validation can only be see as complicitness and facilitating more scammers, thus isn't right and must stop. 
Not too mention you can rarely get someone on the phone unless you make them think they might make money off you.WRONG MUST CHANGE.More regulation needed, much more, and should not be privatized for profit period as this is what happens what there wrongfully doing to me and no telling how many others.This must stop.Just to be clear it's still wrong, and I strongly dispute it and dispute experians manipulation. 
*May contain some typos due to keyboard
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX  # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan on XX/XX/XXXX and was denied. The adverse action notice listed XXXX   and Sagestream as two companies that " provided information that influenced [ the lender 's ] decision in whole or in part ''. I requested my credit report from Sagestream on XX/XX/XXXX, providing them a photo of my drivers license and a utility bill, because their online portal where I made my request required me to do so. Sagestream 's website states that my request will be processed within 7 business days. It has now been 15 business days ( 21 calendar days ) since my request and I have not received my report, nor have I received any communication from Sagestream. On the other hand, I requested my credit report from the other credit reporting agency listed ( XXXX  ) on XX/XX/XXXX, and received it by USPS on XX/XX/XXXX.
Product: Mortgage

PennyMac took my XXXX mortgage payment from my bank account on XXXX/XXXX/16. On XXXX/XXXX/16 they sent me a letter telling me that I had n't made my loan payment. Today, XXXX/XXXX/16 I logged into the bank account to verify the payment was taken and it was. Then I logged into my account on PennyMac and it still shows that I have n't made my payment. This happens with PennyMac every year and this is not my first complaint about their payment processing methods. They are threatening my credit and forcing me to spend time on this when I 've already made my payment. This is wrong and illegal to bill me for something I 've already paid. I 'm tired of all the stress involved in having to keep my good credit in order when PennyMac can not stay on top of the payments they take from their customer 's bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked nicely 2 times now for Experian to remove XXXX accounts that are not mine. They belong to another XXXX XXXX XXXX is COMPLETELY different. His is XXXX and mine is XXXX. Each time they come back account is reporting correctly. No it's not. It's reporting on his report and on mine as well. I am not a co signer or authorized user on either of these accounts. So, why cant Experian listen to me and do a request to verify using the social. Just using identifiers like my name which is common will not solve the problem with mixed files. 

I have sent all the documentation to XXXX XXXX. They sent back a letter saying they think " someone other than me or a company filed the report '' and they therefore didnt bother with my investigation. They were given a typed letter, my drivers license, social security card, and a utility bill. How much more do they need to do their job. Now another XXXX days has passed since they ignored my request. Attached is their letter.
Product: Money transfer, virtual currency, or money service

My PayPal account was permanently restricted on XX/XX/XXXX, but I could have sworn I didn't make any fraudulent orders! 
then I approached customer service and asked for a reason, but they refused, saying " this is a final decision '' and " security reasons can not be communicated ''. 
I've been using my PayPal for online transactions and have applied for a PayPal debit card, I can't figure out what the reason is, please at least let me know why, it's like a black box! 
I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX at the time, and after a month it still says that this is the final decision and won't tell me why!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX XXXX {$230.00} XXXX  XXXX {$2100.00} XXXX XXXX {$470.00} XXXX  XXXX {$100.00} XXXX XXXX {$950.00} XXXX XXXXXXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXXXXXX {$190.00} XXXX XXXXXXXX {$740.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX   XXXXXXXX XXXX  {$0.00} XXXX XXXXXXXX {$530.00} XXXX   XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX   XXXX {$740.00} XXXX XXXX XXXX {$850.00}