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

I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the XXXX and stress of being a victim of identity theft. 

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in. 

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right. 

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Send letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information ' on accounts I have below. I also have attached the letter I sent to credit bureaus According to the FRCA The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such item of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be 100 % accurate ACCOUNT- account # XXXX Original creditor-XXXX AN XXXXXXXXXXXX XXXX sold to collection agency-Credit Collection Service XXXX XXXX XXXX XXXX XXXX MA XXXX
Product: Debt collection

I went to hospital on XX/XX/2017 and Never got treatment or advice and not even seen Doctor. I called Hospital and billing dept says we don't know about this bill for XXXX and told me I bill $ XXXX.I received letter from collection agency that I owed to hospital bill for doctor {$1000.00} I disputed to and spoke to XXXX and she did dispute as I told her. 

I called couple of months to collection agency the gentle men was very rude and he disrespect me. 
I dont know how the hospital or the collection agency charge me {$1000.00}. 

with out seeing doctor How they charge me doctor bill this looks fraud. 
No treatment not even any advice from hospital. 
Please solve my problem the collection agency reported to credit beauro and because of this fraud my credit score went down and showing negative on my credit report. 
Please solve my problem I will be appreciate.
Product: Mortgage

*My compliant is that I feel Bank of America did a 'Bait and Switch ' tactic to get me to move forward with my application. Below is my account of the events : I applied for a HELOC through Bank of America on XX/XX/2018. I spoke with customer representative XXXX XXXX, MLS XXXX. He asked me a series of questions, including by house mortgage balance, my estimated credit score ( Which I stated was around 700 ), My income, and other information along these lines. I also allowed him to run my credit. I was looking for him to give me an accurate quote for an interest rate, line of credit amount and term length. During the conversation XXXX indicated that I would be able to qualify for a line of credit amount of {$67000.00} at 4.25 %. I confirmed with him that this was going to be the term of the agreement prior to and after he ran my credit. XXXX strongly inferred that I would qualify for the terms he was stating and also stated 'I guarantee you qualify for this ' at some point in the conversation. It was because of this that I decided to have my credit run and to move forward with the application. He state the next steps in the process would be for underwriting to call me to collect some more paperwork. 
When Underwriting did call ( XXXX XXXX ) she stated that she had a new offer for me. She stated I only qualify for a line of credit of {$33000.00} at 7.69 %. I asked her why the drastic change in terms and stated that it was because of the high debt to equity ratio. I told her I felt that XXXX pulled a 'Bait and Switch ' with me because he quoted, and practically guaranteed my terms so he could get the application moving forward. 
I asked to speak to XXXX 's boss and stated my feelings of dissatisfaction and that I felt tricked into applying for the loan. I asked her why XXXX would have stated the terms and guaranteed them. XXXX 's boss wasn't sure why he may have done that because he doesn't have access to view credit reports and can only go off of info that I provided. 
I also called up XXXX 's boss, ( XXXX XXXX ) and spoke with him about the issue. I asked both XXXX and XXXXXXXX XXXX boss to honor the terms that I was quoted by XXXX but both said they were unable too. XXXX did indicated that he would review the phone log that was recorded between me and XXXX to understand why there was a break down in communication. 
So there should be a recording that can be reviewed to substantiate my compliant. 
*Note I do have a letter that Bank of America sent me that substantiates the initial terms that XXXX stated to me. I don't have the letter as of right now to upload but can do so if required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Mountain Run Solutions LLC aka Perfection Collection Services LLC is violation of federal law by reporting an XXXX account that is over 7 years old since the last payment was made on all my credit reports. XXXX XXXX XXXX XXXX was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under Mountain Run Solutions LLC name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative by the name of XXXX on XX/XX/XXXX, who is an employee of Santander Consumer USA. XXXX told me that a letter of suppression was sent to all 3 credit bureaus to stop reporting and delete the charge off from Santander Consumer USA. XXXX said that on XXXX XXXX that Santander Consumer USA credit department had spoken with all 3 credit bureaus verbally to stop reporting and delete the negative information placed on my credit report. XXXX gave me an audit number XXXX to give to the customer service representative with all 3 credit bureaus to confirm the information he had given to me. I asked XXXX multiple times to send me a letter in the mail. He told me that it was not possible for him to do that. I was told that their system is unable to generate any information on my account. They claim that they couldnt send me any form of documentation to verify that I was clear to have the negative remarks removed from my credit report in the mail. Santander Consumer USA charged the account off with IRS in XXXX, and sold the debt to XXXX XXXX in XXXX. Neither companies want to pursue any financial action against me. XXXX representative told me that what they were doing to me was illegal, and they could not deny me of any paperwork to prove that Im clear. I have attached the documents that I sent to all 3 credit bureaus. The credit bureaus are saying that, although I submitted the documents to show that XXXX XXXX is no longer pursuing any actions towards me Santander Consumer USA is still reporting to all 3 credit bureaus on the back end.
Product: Debt collection

Company : Credence Phone number : XXXX ( XXXX ) XXXX Date & Time : XX/XX/2022, XXXX I do NOT owe this company any money, never even heard of them, and I have no debt! They keep calling and when I answer they hang up right away! Straight out harassment!
Product: Debt collection

Friday XX/XX/XXXX, I received a letter from my employer with copies from ECMC stating my wages were going to be garnished beginning on XX/XX/XXXX paycheck. This was the 1st and ONLY communication I have received from ECMC. They are garnishing {$200.00} bi-weekly from my check. So, {$400.00} a month. I did not receive ANY documentation advising me of the intent to garnish my wages therefore, I did not have the ability to dispute or negotiate. 

My XX/XX/XXXX-XX/XX/XXXX federal taxes were withheld stating debt collection for student loans but were never applied to the balance of the loan. 

In XX/XX/XXXX, I received a letter from ECMC stating the intent to wage garnish had been cancelled. Again, with no notification of the intent do do so in the first place. 

As of this time, we are a single income family of XXXX with me being the primary source of income. I commute XXXX miles each way. I am unable to afford the shortage in my check. This may possibly force me to look for employment closer to my town at a lower rate of pay, loss of medical benefits and quite possibly my house because I will no longer be able to afford the incoming bills. 

Since receiving the letter, I have attempted several means of communicating with ECMC with no response. The website has either has no record of my student loans or will not allow me to log in. I have also attempted to apply for loan forgiveness programs ( XXXX XXXX XXXX ) but can not complete the application process due to inaccessibility to my account. 

I am employed at a University Police Department and am in the process of admission to complete my degree. It appears to me they have conveniently used my position to solicit moneys before I am completely enrolled. FYI, the last class I took was in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.
Product: Debt collection

I received a letter dated XX/XX/23 from Credit Collection Services stating that I have a balance of {$5900.00} owed with XXXX XXXX, account XXXX. I have never open an account with XXXX XXXX. I do not know anything about this debt and I request that this be investigated as soon as possible with the resolution sent in writing.
Product: Payday loan, title loan, personal loan, or advance loan

Shady business practices to start. On XX/XX/XXXX  I purchased a cheap sofa and 3 mattresses from a little shop in XXXX XXXX Ca. The shop owner advised he could finance the entire amount and all he would need is {$50.00} down. I was unaware that he was putting me in not 1 but 2 very high interest loans. He did explained it was for a 12 month period but he never said how much the payment would be. He pretends to be soft spoken and kind but he is a hustler and the worst kind, he prays on the poor. He creates an environment of chaos, acting confused and flustered stating he was late for church and continually looking at his phone. He also had multiple customer purchases going on while he was inputting my information making it difficult to ask any questions. One of the loans he put me in for {$1200.00} has a {$230.00} with an ending repayment of {$2800.00} after 12 months and the other one is for {$1000.00} with a monthly payment of {$140.00} and ending repayment of {$1700.00}. Ive already made 4 payments on each loan and this is just crazy. That I cant afford to keep paying on these loans
Product: Credit reporting or other personal consumer reports

Im writing to file a complaint against XXXX XXXX XXXX because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a COVID-19 recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : XXXX XXXX XXXX Date of Enrollment in COVID-19 Recovery Modification : XX/XX/2023 What Happened : I signed up for a COVID-19 recovery modification with XXXX XXXX XXXX  on XX/XX/2023. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But XXXX XXXX XXXX is still reporting late payments to Experian, XXXX, and XXXX, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my COVID-19 recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get XXXX XXXX XXXX to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan with XXXX XXXX XXXX XXXX was paid off as agreed in XXXXXXXX XXXX XXXX  I own the vehicle, all 3 credit bureaus report a balance of XXXX, and the debt was never " charged off ''. Despite the obvious evidence that the debt was never sold off or written off, the bureaus refuse to accept documents from the California Department of Motor Vehicles that show I am the registered owner. If this debt had been charged off, the vehicle would no longer be in my possession. I'm being asked to provide documents that only XXXX XXXX XXXX XXXX can provide, and they haven't even provided the title to the car after 7 months. This is seriously damaging my credit, and I have been denied for an auto loan because of their ignorance.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally, because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to address some of the fraudulent items in my file resulting from alleged identity theft. However, there are still items that need to be removed. This marks my third complaint as a victim of identity theft, and I am submitting a dispute for the remaining fraudulent items in my file. The items I am disputing have no connection to any transactions involving the possession of goods, services, or money that I have made or authorized. Please remove the reporting of these items in my credit file, as they are unknown to me. Additionally, the information provided on these items has been deleted from other bureaus, casting doubts on their accuracy and reported payment history in my file. I have attached my FTC Report # XXXX for your reference. Here are the remaining items that need to be removed from each bureau : -- -- -- -- -- -XXXX XXXX -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} -- -- -- -- -- -EQUIFAX -- -- -- -- XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} -- -- -- -- -- -XXXX -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

We are having issues because our mortgage was sold from XXXX to LoanCare and we are unable to get an answer from LoanCare on how to access home repair escrow funds. 

On XX/XX/XXXX we incurred a loss to our fence, not the home structure, and as XXXX does we filed a claim with our homeowner 's insurance and were issued a check to complete repairs. Because the repairs were over a certain amount our original mortgage company, XXXX, held the funds in escrow until the repairs are complete. XX/XX/XXXX/XX/XX/XXXX the mortgage was sold from XXXX to LoanCare. As of today, XX/XX/XXXX, are unable to get a straight answer from LoanCare on how to access home repair escrow funds. 

I have called multiple times and waited hours on hold to speak to an agent. Out of the XXXX agents from LoanCare that I have been able to speak to on the phone, I have received XXXX different answers on how to proceed. I have asked for a letter outlining the procedure but as of today, XX/XX/XXXX, still have not received such letter. 

Compounding this issue is that we have until XX/XX/XXXX to complete repairs or the monies will be returned to the homeowner 's insurance. At this point we are unable to continue with the repair as the remainder of the money is in escrow and I can get no clear guidance on how to proceed with the claim. 

My husband and I are responsible homeowners who pay our mortgage and maintain our home, but our family can not afford to incur the cost of having the fence repaired due to a lack of customer care and respect on the part of LoanCare Mortgage. 

Please contact me at XXXX regarding this matter.
Product: Checking or savings account

I have been a customer of TD bank for over 20 years.I have been the victim of fraud by a 3rd party regarding one of my TD accounts. I had been attempting to transfer money from one of my accounts to another. On XX/XX/21 I received a phone call from someone saying they were from TD bank informing me that in order to do this I had to use their " XXXX '' feature and they proceeded to with withdraw money in small increments eventually totaling $ XXXX.This turned out to be a bogus call. I was suspicious and repeatedly asked if they were from TD bank during the transaction. Long story short after realizing my mistake, the net day I went into my branch at XXXX XXXX XXXX, XXXX, NJ ( XXXX ) and with the help of manager XXXX XXXX, I closed all accounts and bank card and opened new ones.He contacted the fraud dept. and said in about 2 weeks I would be reimbursed.I then received a letter from TD bank,XXXX XXXX , XXXX XXXX NJ ( XXXX ) denying my claim saying I authorized the fraudulent transactions. I am writing this office with the thinking that doesn't a huge corporation like TD have some allowance in such matters? I realize the err of my ways and will never allow this to happen to me again, but I feel as a loyal customer of TD bank for many years, my claim for reimbursement should not have been denied.
Product: Debt collection

XXXX  XXXX knowingly allowed me to go o we my credit limit. XXXX  sold my debt to Rausch, Sturm, Israel, Enerson ... .law firm. 
I paid of {$10000.00} and they are after me for thousands of dollars of interest. I have been in negotiations with this law firm and they are ruthless. XXXX  is the only company that has not settled. 
They have called my work twice within an hour and sent a fax wanting to verify my employment. I called and have talk to the collections manager. His phone message states he will return the call at his convenience. No return call! Have emailed the collection manager and he finally emailed back and said he was in a meeting. 
They are rude and impossible to work with. I will have to try to get a loan from the bank. But I have lien against me. I have paid off all but the interest they state I owe. Help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I have CONSTANTLY been in contact with the Furnisher for a year and still no response on this FRIVLOUS DEROGATORY MARK appearing on my reports I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do an actually do a verification of everything on my credit report and they did everything and stated everything was accurate and I did a thorough research myself and found improper inaccuracy on my credit app, report. Even after they did a thorough research right. In accordance with the Fair Credit Reporting Act cXXXX  Credit Acceptance Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written consent
Product: Debt collection

COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 5,816 financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I made my first payment on the XXXX of XX/XX/2021. I requested a due date change on the XXXX of the month to change my due dates to the last day of each month. I received confirmation that the due date was changed and my next payment would be due on the XXXX of XX/XX/2021 and that my term would be extended due to the increased days in between payments. To my surprise I found that additional payment had been drafted out of my account for the amount of {$140.00} on the XXXX of XX/XX/2021. This was not an authorized payment by me and is a violation of regulation E banking law. I requested a refund and the company has refused. I asked for my due date to be changed back so my payment would applied for XXXX. They refused and now state i must still make a payment in XXXX.