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

I recently tried to dispute my delinquent payments on my credit file due to my hospitalization. During the time of the aforesaid hardship i was XXXX XXXX and hospitalize and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was hospitalize for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my hospitalization and would have not been late if i wasn't hospitalize. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was hospitalized and explained to them that i wouldn't have missed the payments if i wasnt hospitalized. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX refuses to delete my account that someone else has access to. I called them gave them my ID with my address passed the questions, and the still open the account back up under the email that was hacked which is XXXX XXXX XXXX refuses to respond at all. 
XXXX credit XXXX XXXX has an someone registered with an outlook email account, with two numbers ending in XXXX, and XXXX that does not belong to me. I sent them a letter in the beginning in the year asking for a report and they never sent it. And I just received a report in XXXX, and someone applied for a bank account on XX/XX/XXXX. Amongst other things they been applying for during the month of XXXX. 

Since XXXX of this year someone has been hacking all of my emails, and phone numbers. 
XXXX XXXX XXXX ( this is the one that is under the chex system ) XXXX XXXX XXXX XXXX there are more as well as my social media accounts been stolen. My XXXX account is still up in my name and someone deleted all my friends is using it. Several phone number has been compromised, and hacked. Infact all of my social medial accounts have been hacked. If I was to create a new one it will get hacked. Someone has went out of there way to make sure I am not XXXX XXXX and they're. 

I have been doing everything, this is interfered with my living. And my lifestyle. People have been sitting in front of my door logging into my wifi, to hack into my devices. I switched to a landline and someone is still on my phone. I need help. I believe someone has been in my home. I believe a device in on my car. People have been following my. My rights have been violated and I have not gotten any help. 
I also believe someone or people are working under my certification. 
I believe my XXXX XXXX XXXX XXXX XXXX XXXX is being used. 

Please assist me XXXX XXXX
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 XXXX  Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXXT Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX AUTO XXXX Reporting differently on all credit agencies- payments should show that they are all on time. XXXX XXXX XXXX This is not my account it has been erased from XXXX but still being reported on XXXX and XXXX XXXX This should be deleted from all bureaus. XXXX XXXX XXXX- This company is reporting misinformation which is not consistent on all 3 credit bureaus. this is not my account and should be deleted. XXXX XXXX XXXX This account is a redundant account under a different dept collector. I do not own this account. it should be deleted. they are reporting inaccuracies as well. CREDIT COLLECTIONS- This account is still showing up on my XXXX account when it should be deleted. It has been deleted from other bureaus. this account should be deleted. XXXX XXXX XXXX XXXX this account is showing inaccuracies. this account should have been closed in good standing but they are still reporting like the account is still open when it isn't. this account should be deleted. CREDIT COLLECTIONS- This account has been deleted from my XXXX report but still showing up inaccurately on my other bureaus. This account should be deleted. Overall these accounts should be deleted from my credit report i have sent numerous letters to them and the creditors. They are still holding on to information which is illegal.
Product: Credit card

I paid for a roundtrip from XXXX XXXX XXXX XXXX XXXX XXXX, and back to XXXX  from XXXX, XXXX on XXXX XXXX  through my American Express card on XX/XX/2023, for {$1600.00}. 

When I went to the XXXX XXXX counter at XXXX XXXX on XX/XX/2023 for my scheduled flight back to XXXX  I was told that someone cancelled my flight, but it wasnt me, and the airline didn't know who it was. I know I did not cancel the flight. The counter official was in contact with XXXX in XXXX XXXX throughout our discussion. I pleaded with XXXX counter official to give me a boarding pass since I paid for the roundtrip flight and XXXX XXXX still had my payment. There was still room on the flight for XXXX more passengers. I spent about XXXX minutes or more trying to persuade the XXXX counter official to let me on the flight but to no avail. She said she had to leave and just said good luck. 

It was about XXXX XXXX XXXX XXXX  and I found a flight on XXXX XXXX to XXXX  that left in XXXX XXXX XXXX XXXX, But since the flight was nearly full and I booked it at the XXXX  counter with little time remaining for the flight I had to pay the maximum coach price which was {$1900.00} one way to XXXX. Even with a refund on XXXX XXXX  of {$1600.00} I would still be out {$200.00}. 

I came to the XXXX to marry and the marriage ceremony was wonderful and everything would have been great except trying to get back to XXXX, XXXX. I live in XXXX XXXX, Maryland. So I have requested the refund of {$1600.00} that I paid American Express for the flight on XXXX XXXX which the airline would not allow me to complete. 

I protested to American Express for the amount that I paid XXXX XXXX since even though I was able to fly from XXXX XXXX XXXX to XXXX, XXXX I had to pay {$1900.00} On XXXX XXXX to get back from XXXX to XXXX  XXXX XXXX. 

I said that in a statement to American Express. XXXX XXXX responded that I got a refund of about {$64.00}, which was a very small amount compared to {$1600.00} I paid for XXXX XXXX and {$1900.00} for XXXX XXXX. American Express just accepted whatever XXXX XXXX stated and not what I wrote and spoke to American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX XXXX XXXX XXXX : # XXXX : This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX XXXX XXXX  XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Act Reporting Act XXXX account # XXXX, XXXX 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 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, ME XXXX Loan no. XXXX Lender Placed insurance TD bank is attempting to attach the mortgage for lender-placed insurance after having been sent proof of insurance, as per their request. My home owner 's policy has never lapsed - and yet this is the SECOND TIME that TD Bank has advanced this attempt to attach insurance at 400 % the market rate. 

Additionally, the insurance term is RETROACTIVE ( XX/XX/XXXX ) and claiming a premium for two months PRIOR to the policy implementation ( XX/XX/XXXX ).
Product: Credit card or prepaid card

I have been a victim of identity theft, I currently have a fbi working with me. XXXX suspects opened and charged high amounts on a lot of credit cards. XXXX of those being XXXX accounts with elan financial services XXXX and XXXX. Please advise Elan to remove the charges and accounts from my reports please.
Product: Student loan

I paid in full my loan they even sent me a letter in the mail saying congrats you paid your student loan in full.This was in XX/XX/XXXX with the Department of Education /XXXX then all of the sudden I get changed to Navient an account that does not make sense because I had applied for forbearnace and they gave me until XX/XX/XXXX to pay .I did not have a good job back then so I had to ask for something like that.Once I found the job in XX/XX/XXXX I paid it everymonth and I paid it all in full in XX/XX/XXXX they sent me a letter telling me that since I was in good standing that I could use them again.I havent but all of the sudden the last payment that I made XXXX dollars keeps showing up in my credit report I provided each information to each credit agencies but the one that keeps hitting me with the account is XXXX this has made my like impossible and I am in good standing I paid up I even serviced my country through XXXX they gave me a XXXX with a little more than XXXX and I paid with that the amount remaining.I sent that to XXXX because it appears XXXX times stating there was late payments in XXXX different account closed and those are XXXX , XXXX department of education , Navient Department of education.They are the same account only that in XXXX its there in different accounts as closed in XXXX and Navient is not it states that I still owe the XXXX dollars in XX/XX/XXXX note I paid it in full in XX/XX/XXXX.I have all this information I want to file a law suit this has me to not get good jobs having to find work in areas that I should not be because I have an education.I am sick of this ruiing my job opportunities and purchasing a home or buying a car that I so desperately need for my XXXX son.I cant even get a cell phone.This not fair I paid up and I do want to sue this company as I am noticing its just not me not so many people be saying the same lie. By the way the college I went to XXXX XXXX XXXX closed down for fraudulent paractices as well.I sometimes wonder if there is any justice or wether or not their is an honest company left in this world.My husband died he was a veteran and they never gave me that loan as an option for me either started wrong with wrong school ended wrong with wrong Education Loan repayment company that want to stiff people off their hard earned money.I owe nothing stop charging me and get that off my credit please Navient.
Product: Credit reporting or other personal consumer reports

On XX/XX/13 I requested verification and validation of debt being reported by XXXX XXXXXXXX XXXX. The credit bureau failed to take action in 30 days
Product: Credit reporting or other personal consumer reports

duplicate fraud account 
cXXXX XXXX XXXX XXXX
Product: Debt collection

Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Advcollbur Opened XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX AND ANY OTHER COLLECTION ASSOCIATED WITH MY NAME AND SOCIAL PLEASE REMOVE, THEY DO NOT BELONG TO ME ATTENTION DISPUTE DEPARTMENT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XX/XX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I opened a First Progress XXXX secured card account issued by Synovus bank, XXXX Georgia.XXXX  XXXX I have never used the card. I was required to deposit XXXX . I contacted them as requested with a letter by mail requesting that my address be updated, my account be closed and my XXXX $ deposit be returned. XXXX The only thing they did was update my address. This was many months ago. Since then I tried over and over again to contact them. They do not have a customer service phone number that is funcional. There is no way to reach anyone online. I find this unacceptable and very abusive. I filed a complaint with the XXXX XXXX XXXX to no avail.There are countless complaints on the internet from abused customers like me. Please Help!
Product: Debt collection

C & M Associates phone number ( XXXX ) XXXX located in XXXX XXXX, IL has called me and my parents, whom I no longer live with and whose phone number would not be the same as it was when I incurred the debt, they are supposedly trying to collect. I asked the gentleman who called me his name is XXXX XXXX for any information he had on the debt they were trying to collect as I have never done business with an XXXX XXXX XXXX XXXX before he gave dates in XXXX and told me money was deposited into my checking account and he even knew my former address and my former employer but that was all the information he had he then transferred me to his supervisor who was a woman and whose name I can't remember and she told me a totally different date than he did from XXXX and she told me I should go to my bank to get more information on this loan after giving me a deposit date. I called XXXX XXXX XXXX Money who has numerous complaints about the same type of thing happening to many many other people on the XXXX XXXX XXXX XXXX website and she said they get between 60-180 calls a day about this. She ran my name and social security number through her database and said I have never done business with them. She said I should reach out to the Federal Trade Commission to report this as it is a scam. So that is what I am doing.
Product: Checking or savings account

I opened a savings account with Capital One in XX/XX/XXXX, they had an advertisement of 4.99 % APY High Yields Savings Account, it started off at 4.82 % after I opened the account, now as of XX/XX/XXXX it has gone down to 3.82 % and listed as a Performance Savings Account. Capital One falsely advertised this to new customers and I fell for it as well. It was my first time being excited on having a High Yields Savings account to finding out it was all a lie. CFPB filed a lawsuit as of today against Capital One for this very same reason, and I would like Capital One to pay for any damages this may have caused.
Product: Mortgage

In or about XX/XX/XXXX a request was made by me to remove escrow payments from the monthly mortgage with lender Inspire Home Loans serviced by XXXX See attachment email confirming inquiry ticket XXXX. 

In a letter dated in or about XX/XX/XXXX I was notified that the escrow removal was denied due to the loan to value ratio on the property not meeting an 80 % value. See attachment. 

This is incorrect and does not apply to the guidelines set by government backed enterprises such as XXXX XXXX  See the following from their website : In general, to qualify for an escrow waiver on a conventional loan, youll need : XXXX below 80 % ( meaning you have more than 20 % equity in your home ) No recent delinquencies No loan modifications No previous defaults on an escrow waiver The home was recently appraised a value of {$500000.00} during a Brokers appraisal that took place on XX/XX/XXXX by lenders own agent. See attachment. 

The current owed loan amount is {$350000.00} see attached, and the value of the property was assessed at {$500000.00}. 

This would mean the loan to value ratio is well below the 80 % threshold as XXXX is 69 %. 

Multiple multiple attempts have been made to resolve this issue with the mortgage lender and loan servicer. 


Also, during a previous complaint see, XXXX, it was stated by XXXX supervisor XXXX in a phone conversation On XX/XX/XXXX that monthly PMI payments made between XXXX and XXXX totaling {$280.00} would be refunded once the new value of the home was established. In an attempt to retrieve this reimbursement I was denied citing a decision was made to not honor the reimbursement.

Please get these issues resolved and grant the escrow waiver as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient continues to erroneously report old student loan accounts that I consolidated with them, paid every month on time until it has finally been paid in full. The four loans they consolidated first went into default in 2009 and for whatever reason, they simply refuse to remove it off my credit reports. I have tried to dispute it with them. I have tried to dispute it with the credit bureaus to which they specifically told me NAVIENT is reporting the items as accurate. I even filed a complaint here ( XXXX ). They replied that they have nothing to do with the reporting of those extremely old accounts that should of aged off years ago and to contact XXXX. I contacted the original lender XXXX  and they told me they are not reporting anything to the bureaus about me and no longer even have records of me having had loans with them - that is how old these loans are. 

I am enclosing proof that it is in fact NAVIENT that is reporting these old student loans as recently delinquent. I spoke to representatives both at XXXX XXXX and XXXX  and they both confirmed that it is NAVIENT who continues to report these accounts to my credit report. Please see contact information at the end of each report. This is affecting my credit greatly. And during this pandemic and all the lawsuits against Navient I would of guessed theyd take closer look into my complaint and see where they erred as this is costing my such financial and emotional burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit builder card with Chime when getting the card it never said anything about a credit limit and after talking to them yesterday it never was one I was transferring my own money onto this card spending my own money then after checking my credit my score dropped from XXXX to XXXX and it was because of this card after talking to them about reporting to the Credit Bureau about credit I wasn't getting from them they said when getting a new credit card your credit score do this but the problem is they said I had a {$220.00} dollar limit that doesn't exist but they reported like it was dropping my credit score down for credit I'm not getting and will not resolve the problem they have caused me