23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was given a COVID relief forbearance to help with my house payment back in XXXX. When I called in XXXX of XXXX to make my payment I was told that I could not make a payment but that I had to pay the entire amount due, around {$10000.00} dollars. I had to file for bankruptcy to stop the sale of my home. During bankruptcy, I was able to fill out an Application for Success and was approved for a temporary loan modification. During that process, my wife, who I have been separated from since XXXX of XXXX, signed a quit claim deed and a marital waiver and filed them with the court. I paid three months of house payments on time as required by the temporary modification. XXXX, XXXX, and XXXX of XXXX. I then paid the XXXX XXXX payment with no problem. When I called to make the XXXX payment I was told there was no payment due until XXXX because the temporary modification was complete and we were moving to the permanent modification. During this time I was hospitalized for XXXX XXXX  with XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX. I was literally fighting for my life and enduring procedure after procedure. I was in the hospital XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. I was also admitted on XX/XX/XXXX, and XXXX, and most recently, XX/XX/XXXX. I was contacted by a notary who wanted to get my notarized signature for the permanent modification and she asked if my wife would be there. I told her that she wouldn't be there due to the quit claim deed and marital waiver that were signed and submitted. She was completely unaware of everything that had transpired so she said the she would check into it and call me back. I never heard back from her. On XX/XX/XXXX I came home to a notice on my door stating that a 3rd party had bought my home at auction. My home was sold illegally and without my knowledge. They never had a conversation with me to tell me that the permanent modification had not gone through. I thought I was waiting for a notary to call me back. I never dreamed that during that time they would sell my home out from under me while I was sick in the hospital and was still making payments.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX {$1100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX XXXX card was used for a purchase of {$99.00} on XX/XX/2023. I only had {$40.00} on my card when this happened. I don't see how this even went through but it did and caused the account to be overdrawn by {$59.00} and some change. I called XXXX XXXX as soon as I saw the charge when I woke up on XXXX XXXX  XXXX, 2023. They claimed to have started a claim to get my money back onto my card. I then received a notification that the charge was declined due to insufficient funds so I thought it would be remedied. However, it wasn't. I had to borrow money for gas and work my way back into the positive in order to make money. Since then I've called XXXX XXXX about 20 times trying to see when my money would be refunded. I've been hung up on numerous times, laughed at by different customer service reps and deliberately mislead and been given the number for XXXX XXXX Corporate Office in XXXX. On my most recent call the other day, I was informed there was no record of my having ever called about it. What the heck is going on with this company??? Please help me. FYI, my physical card was not lost or stolen. And also, I've never been able to spend one penny more than what is on the card. Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX account XXXX does not belong to me.
Product: Debt collection

This is a business they are calling, and a direct number to an employee.
Product: Debt collection

XXXX XXXX XXXX has been harassing about a bill I dont owe. XXXX XXXX Bank has sent me a certified letter stating I am not responsible for this account and has removed it from my credit report due to it not being me who open the account. XXXX XXXX Bank stated they informed XXXX XXXX XXXX about this account. XXXX XXXX Bank has noticed all three credit bureaus to remove the account but XXXX funding has taken it upon themselves to still try and collect on an account thats not mine. According to the Fair Credit Reporting Act this is definitely a violation and I can sue for the damages XXXX funding has caused to my credit file by reporting a fraudulent account that doesnt belong to me. My next step is to file sue against this account for violation of rights, punitive damages and harassment. I m sure the judge will side with me. I have documents from XXXX XXXX Bank and XXXX funding should have those documents as well. I suggest XXXX XXXX XXXX reach out to XXXX XXXX Bank and not contact me or harass me anymore along with ceasing all communications. This is my last warning. A report has been file me with the XXXX XXXX XXXX as well and with the governor for the state of Georgia.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX is reporting negative on the credit report without even giving the consumer an option of relief or deferment on the credit account based on a national declared disaster that tie XXXX Texas back to back, a tornado in XXXX of 2024 and then a hurricane in XXXX of 2024. This creditor never have an option of relief on the account or payment arrangement seeing how the account was used without authorization during that time when the card was stolen during home displacement. Transunion and XXXX continues to report the account despite the fraudulent activity being reported which is against federal laws. An investigation was never done into the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Response to Companys Reply - CFPB Complaint XXXX To Whom It May Concern, I am writing in response to the company 's reply to my complaint dated XX/XX/year>, regarding the XXXX account XXXX in XXXX. While XXXX has stated that they conducted an investigation and verified the accuracy of the information furnished to the consumer reporting agencies, I am seeking further clarification on the specific steps taken during their investigation. 

As per the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau Regulation V, I request that XXXX provide a detailed account of the following : Verification Process : The exact steps XXXX took to verify the information provided by XXXX  XXXX, including any documentation reviewed and any communication with XXXX  XXXX. 
Any specific methodologies or criteria used to determine the accuracy of the information. 
Documentation : Copies of all documentation received from XXXX XXXX at the time of purchase, as well as any additional documents used in the investigation process. 
A detailed explanation of how these documents support the validity of the debt and the accuracy of the information reported to the consumer reporting agencies. 
Dispute Handling : A detailed explanation of the process followed by XXXX upon receiving my dispute, including any internal guidelines or procedures adhered to during the investigation. 
The name and contact information of the individual ( XXXX ) responsible for conducting the investigation. 
Compliance with Laws : Evidence of PRAs compliance with the Fair Credit Reporting Act ( as amended ), Consumer Financial Protection Bureau Regulation V, and any applicable state and local laws. 
Documentation or records showing that XXXX notified the consumer reporting agencies about the dispute and the results of the investigation. 
The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) mandates that furnishers of information to consumer reporting agencies must conduct a reasonable investigation of disputes. To ensure the integrity of this process, I request detailed evidence and documentation of the procedures and findings related to my case. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information. This will help ensure that all relevant data is thoroughly reviewed and that the resolution process adheres to applicable legal standards. 

Thank you for your cooperation. 

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

I was informed by Equifax Inc that during their XXXX 2017 beach my information potentially had been compromised. They have potentially improperly stored, shared and used my credit information. I am now at risk for identity theft.
Product: Mortgage

We are submitting a complaint against PENNYMAC XXXX mortgage company. They faithfully took our mortgage payment for over 1 year, always paid ON TIME. At the beginning of 2015 we received a bill totaling approximately {$15000.00} due to insufficient escrow and a statement that had our taxes at over {$24000.00}. INCORRECT!! We called to inform them that the taxes they have are wrong and even provided tax statements from our local township that had our taxes listed at between $ 6,000- $ 7,000/year. They stated that they had paid the township much more than the township states they actually received from them. They state that they were able to obtain a refund of THEIR money that was overpaid but it still left an error on our account for which they are trying to bill us approximately {$2000.00} in order to bring our account up to date which they will then refund to us. ALL calls to Pennymac have resulted in nothing but delay, poor customer service, inability to rectify this problem in a timely manner and now they have put us in collections and have affected our credit for THEIR error. We have continued make our monthly mortgage payments and have faithfully been calling asking for them to resolve their error only to receive harassing " automated '' notices and NO actual assistance or resolution. We are seeking legal counsel for the issues with this company and have noted MANY similar consumer complaints online with many of the same complaints. This company appears to be conducting itself in numerous unethical ways and has the poorest customer service we have EVER experienced ANYWHERE. We desperately need investigation, assistance and intervention to rectify this issue and have the company resolve their errors and restore our credit. Please help!
Product: Credit card or prepaid card

I have an XXXX Mastercard through Barclays Bank Deleware. This card has Trip Delay benefits as advertised. A flight that I booked entirely with this credit card was delayed and caused my trip to be delayed by approximately 24 hours. This trip was booked with my credit card for my mother. During this delay, my mom stayed in a hotel for one night which I paid for while expecting the Trip Delay coverage to reimburse me for these expenses. I filled out the necessary paperwork to file a trip delay claim ( See attached items ) and was told I would receive a response within 7 business days. Not only did I not receive a response within 7 business days, but I needed to call repeatedly after this period to prompt action from the company ( I provided all necessary documents on XX/XX/XXXX and did not receive a response until XX/XX/XXXX ). When I received the response, I was shocked to see my claim was denied due to the legal wording of how Barclays defines what is a " trip. ''
Product: Credit reporting or other personal consumer reports

MY NAME WAS LISTED IN THE DATA BREACH WITH XXXX AND XXXX. PLEASE REMOVE THESE ACCOUNTS THAT ARE NOT MINE. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$680.00} written off. 
XXXX Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. {$890.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried using the XXXX system to get credit reports online from Equifax for my wife and myself today and a year ago. The Equifax site returned : " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report online. '' along with info to mail a form to get the report mailed to me. 
I was able to get online reports from XXXX ( today XXXX & XXXX in XXXX. 
Equifax should tell us why our reports are not available online.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with TRANSUNION and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA and LAW. I would like for these accounts to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my Credit File and Credit Report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Credit reporting or other personal consumer reports

There is an unauthorized and inquiry without permissible purpose from listed on XXXX, from XXXX ; category " Personal Loan Companies '' and XX/XX/scrub>XXXX  Please have this removed from my report as any inquiry outside of my authorization is a means of fraud and XXXX, XXXX and XXXX have to maintain XXXX 's Report 's with accuracy and maintain the XXXX 's rights.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft and violating my consumer rights. On several occasions, they have manipulated the debt amount to make it seem like there has been activity on the account and that I have paid, when I have not. They also have reported past due balances to the credit reporting agencies and per FCRA on furnisher rules, it is against the law. I have included screenshots of all these egregious actions. I also have never given NATIONAL CREDIT SYSTEMS permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I haven't even received any documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS cant provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence, like a trilateral contract, and receipts of when I paid money on the alleged debt that would make the price increase and decrease ; and that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

On XX/XX/2024, I got a call from navy federal stating that it was a fraudulent charge made with my debit card. They told me that they would have to cancel it and send me a new card. A week before my bills were due I made a XXXX  transfer, which usually takes minutes to receive, from my XXXX  account to my navy federal account to pay my bills. 5 days go by and I still have not received the funds. I call navy federal to ask why and they said that my my account was suspended because of the fraudulent charge on the debit card and the funds are being directed to my other checking account, but at this time navy federal had already charged me {$240.00} in returned check fees that they refuse to refund while I had over {$4000.00} pending in the wrong account for over 5 days when it usually available in my account in minutes. So I had no access to the money I needed to pay my bills and was charged fees for something that wasn't my fault and out of my control. This is bad practice and should be illegal. I definitely deserve a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report in inaccurate. I have missing employer information. I have a car with XXXX XXXX which is false. This was with XXXX XXXX XXXX XXXX XXXX. There is also the wrong information on my credit card for late charges when I am still trying to show the statements with overcharged repeatedly throughout the duration of having credit cards.the statements show all of the repeated same charges with the symbol next to ( & ) transactions authorization codes. There is missing charges with fees added then removed. The address to a drop in shelter for the homeless is on the report. I was homeless but I did not live at this location they had me sleep the night in the BASEMENT OF CHURCHES IN XXXX. for several months. I was there XXXX XXXX shelter for showers in the morning only. I had to look for a social services job during the day. I was shuffled around till I was forced in XXXX shelter that's not on there or the XXXX XXXX. I was working in the parks dept for 6 months thats missing as well.it is a mess in my report.
Product: Debt collection

I was affected by the XXXX XXXX and lost all source of income. Explained to all credit card agencies with balances and did not have any interest in my situation. Companies only wanted what was owed. Payment arrangements were not applicable since no income was available. I have not been employed after my last employment and debts were sold to collection agencies which have increased amount owed beyond reasonable payoff amount which was asked in writing or submitting to my email. Harassing calls started and continue to exist every day at different hours of the day and using other businesses to identify who they are.