23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been dealing with Freedom Mortgage since XXXX of XXXX with a lost mitigation process. They've caused more problems than solutions. XXXX  XX/XX/XXXX a foreclosure was set to take place so XXXX XX/XX/XXXX i called to beg and plead to request more time for document and application reviews and processes to resolve this issue and update the balance all i got from them was the run around with repeatedly saying there is nothing they can do to help its to late. I called the attorney involved several times and got no answer or call backs. So i got an agent from XXXX XXXXXXXX XXXX  to assist me with the matter on XXXX  XX/XX/XXXX we made a 3way call to XXXX  to request for more time to allow an Illinois housing assistance application to be reviewed and processed before the foreclosure takes place. XXXX XXXX is my witness, my XXXX agent witnessed the misconduct they performed to offer any kind of help. XXXX said they would send the request in and that they would reach out to me within 24-48 hours before the foreclosure with an answer which i NEVER received causing the foreclosure to proceed. XXXX  XX/XX/XXXX we made another 3way call to XXXX to ask what happened with the request along with rudeness and back talking we found that the request was never submitted to the attorney involved. i am submitting this complaint because XXXX XXXX has caused my family and I so much pain and stress this last year when all i have done is comply and cooperate with everything and everyone involved with 0 compassion in return. I have many efforts to make things right, to resolve this issue, to restore my mortgage balanceXXXX XXXX XXXX has not helped or assisted me in finding any solutions every step forward i take they push me back 2 more that is why i am here telling you about it. I need your help to get this resolved correctly and professionally. also, i have submitted a complaint to the Illinois Attorney General to help with this matter, after this is over I will be submitting a lawsuit against them for all the unnecessary damage they've caused my well being. there is more to this situation that I would be more than happy to discuss with you.
Product: Credit card or prepaid card

Caller identified himself as XXXX support team regarding a virus protection plan I had in the past and had cancelled over a year ago Told me I would be charged a renewal fee of several hundred dollars if I did not cancel over the computer. He advised me to go into my computer ( he aready had my code which they assigned when I purchased the plan ). I did so and he was able to view all my banking accounts. He told me XXXX was going to reimburse me about {$600.00} in two amounts {$420.00} and I think {$170.00} not sure. Anyway he then told me for some reason he had made an error in the amounts and it could only be corrected it i went into the bank. I live in FL and we were having a possible Categroy 5 hurrican in XXXX. XXXX and I was busy packing for a possible evacuation so I was very unnerved and distracted by that situation and the phone call. I kept him on he other line and called Bank ofAmerica to verify this info, but I couldn't get through so I hung up. He then told me I had to go into the bank, withdraw the money he had put in my account and go to XXXX  and purchase a gift card. That's when I realized something was very wrong. I hung up on him. I rushed to the bank only 10 minutes from my house and reported the fraud and they closed all my accounts and reopened new ones. They had already taken {$2000.00} advance from my credit card and something out of my bank account. BAnk rep assured me everything was straightened out and I did not lose any money. Now I keep getting letters from Bank ofAmerica stating my fraud claim is denied and I am reponsible for the {$20000.00} on my credit card. They had denied it 2 times. I also called the police, but they told me there really wasn't anything they could do. Am I liable for that {$2000.00}? Please help. Thank you
Product: Debt collection

Everyday I receive a phone call from Credit Control on my cell phone ( XXXX ) and on my work phone ( XXXX ). I have told them to stop calling me and mail me whatever it is they think I owe. They are beyond rude and although I have t old them to stop calling me, especially on my work phone, they keep calling. Every single day they call me. It is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, XXXX down loans. ( XXXX XXXX ) This company suggested I take the loan offer XXXX. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed XXXX reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to Experian, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature.

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Product: Credit card

On XX/XX/scrub>XXXX XXXX XXXX, I made a final payment of {$4000.00} on a credit card. This brought the balance to {$0.00}. On XX/XX/XXXX, BoA took a {$40.00} payment for autopay despite the account balance being XXXX. On XXXX, they charged me interest of {$7.00}, leaving a credit of {$32.00}. 

I have tried contacting BoA on XXXX separate occasions. I have tried sending secure messages in their portal, contacting their chat line and contacting their phone number. 

For over a month, they either will not respond to my request for a refund and account closure, or a representative is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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  XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX EQUIFAX, XXXX  AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

I did not apply for a loan application with Check n Go
Product: Debt collection

They keep calling me saying they know where i live what I drive and that they can get me arrested. They call every day
Product: Credit card or prepaid card

I opened my XXXX XXXX XXXX XXXX from Popular Bank Services on XX/XX/XXXX. However, the past two years, I've tried to cancel my card as soon as my annual fee was assessed. Both times I've called within days of my annual fee being assessed but I was told I can not have my annual fee refunded and my card canceled. Back in XXXX, my annual fee was assessed on XX/XX/XXXX, however this year, my annual fee was assessed on XX/XX/XXXX. So even with my XXXX calendar reminder, for the annual fee being assessed, it wasn't abundantly known when the annual fee was assessed. I've been trying to cancel the card when the annual fee time comes up. Every other credit card issuer I have had or currently have cards with, XXXX XXXX, XXXX XXXX, XXXX XXXX  or XXXX XXXX, within a reasonable amount of time of the annual fee being assessed, they allow the annual fee to be refunded and for the card to be canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Are incorrect addresses on my credit report. I want Then deleted as these are incorrect addresses
Product: Debt collection

I received a collection notice on or about XX/XX/2023 from XXXX XXXX XXXX for {$130.00} on behalf of XXXX " XXXX XXXXXXXX XXXX XXXX XXXX  ''. I called XXXX XXXX XXXX for information on the debt and the supposed creditor. A collector answered, " What a waste of time this call is. Either pay it or it will go on your credit report. It's for a utility bill. '' I mailed the notice back to XXXX XXXX XXXX, with a handwritten note indicating what the collector told me. 

On or about XX/XX/2023, I received a second collection notice from XXXX XXXX XXXX for a new balance of {$130.00}. 

The Nevada XXXX of XXXX website does not list any " XXXX XXXX XXXX XXXX  ) '' as a legal business entity, nor does the XXXX XXXX XXXX XXXXs office list it as a fictitious business name. I recently moved back to XXXX from XXXX XXXX, Nevada. XXXX XXXX is the XXXX XXXX I ever did business with while in XXXX. " XXXX XXXX '' is a XXXX XXXX name in XXXX -- there is a XXXX XXXX XXXX and a XXXX XXXX XXXX. 

Based on the dearth of information provided by the collector at XXXX XXXX XXXX, I have no idea which utility he is supposedly collecting on behalf of or what services were supposedly provided. 

XXXX XXXX XXXX 's Reference Number : XXXX
Product: Checking or savings account

I am writing to request an immediate resolution to a critical issue with my business account. My name is XXXX XXXX XXXX, and I am the account holder. 

Issue Summary : 1. Negative Balance : My account has been left with an unexpected negative balance of {$150.00}. According to applicable laws and regulations, banks are required to ensure that accounts are not left in a negative balance and are held responsible for correcting such issues promptly. 
2. Returned Check : A legitimate check deposit, confirmed by XXXX XXXX, was returned with a refer to maker notation. This returned check has contributed to the negative balance. I was informed that Novo Business Banking specialists should have contacted XXXX XXXX XXXX Department for clarification. However, no resolution has been achieved, suggesting a lack of action or diligence on Novos part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX ) mortgage went into COVID Forbearance XXXX of XXXX-I applied for a refinance with XXXX since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of XXXX 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to Equifax and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my XXXX  and Equifax credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both Equifax and XXXX  credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint against Equifax is that they consistently report my credit score as 60-80 points LOWER than the other reporting agencies. I have tried disputing incorrect information on my Equifax but they either confirm the information ( new creditor who purchased old debt that should have been deleted ) or they refuse to let me dispute the old information. Equifax 's inability to report fairly and accurately is problematic for ALL individuals. Along with their data breach, they've shown themselves to be unable to provide trustworthy service while continuing to charge creditors for their services.
Product: Checking or savings account

My account was compromised and I'm being accused of the actions made which were not me an wells Fargo took XXXXXXXX XXXX  and wrongfully closed my account I want my money back I will refile as many times as needed to get money back that's rightfully mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX contacted XXXX XXXX, XXXX XXXX XXXX and Client services for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and XXXX XXXX last reporting activity was XX/XX/XXXX, and no updates XXXX XXXX was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home
Product: Credit reporting or other personal consumer reports

I am filling a complaint with XXXX for failing to properly investigate my disputes regarding in accuracies in my credit report. Despite my submissions XXXX consistently respond within 24 hour that 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding file XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I XXXX XXXX have a credit card with Barclay for over five years. My credit line was XXXX XXXX dollars. On XXXX XXXX I received a letter from the company stating their were cutting my credit line. The letter was dated XXXX XXXX. I didn't understand the letter because I WAS NEVER LATER, NEVER PAID THE MINIMUM ALWAYS OVER SO I COULDN'T UNDERSTAND. 
I Called the company to redeem my rewards, and was told that I could use them toward my payment. i believe this started the whole thing. My plan was to take the bill down, i was paying {$120.00} and I wanted to add the {$31.00}. 

I received notification the my credit score had dropped from XXXX to XXXX because of Barclay report. Barclay is always sending communication on surveys and other notification. Why couldn't they notify me  about cutting credit line before the credit bureau
Product: Credit card

CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX with American Express informing me that my disputed charge of {$960.00} to Home Depot was re-billed to my account. In the letter, XXXX XXXX did not acknowledge my certified letter which was received on XX/XX/XXXX by American Express ; however XXXX XXXX did explain that American Express would be able to re-dispute the charge if I provided them with communication I had with the merchant showing that I attempted a return. In XXXX XXXX 's letter, he specifically requested that I provide him with my communication sent to the merchant on XX/XX/XXXX- which was the same date that the incorrect XXXX  was installed in our condo and the first date I have written communication with the merchant. 

I am attaching my XX/XX/XXXX email message with attached photos which was sent to the merchant 's XXXX customer service department and received by the merchant. I am also attaching XXXX XXXX 's letter of XX/XX/XXXX. 

I kindly ask that American Express re-open this dispute as I have provided extensive written and photographic evidence that I did not receive the item I purchased from the merchant and contacted the merchant IN WRITING on the very same day I received the INCORRECT item - XX/XX/XXXX. The merchant REFUSED to pick up the incorrect item and re-deliver the item I purchased. 

I will be following up on this investigation with certified letters to both the Consumer Financial Protection Bureau as well as American Express. 

Thank you, XXXX XXXX
Product: Credit reporting

I submitted detailed information asking the company to delete a credit inquiry from XXXX done on XX/XX/2015 and they sent a packet requesting more information.
Product: Credit reporting 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. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 year. 15 U.S.C. 1682 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case. I told XXXX, XXXX, and Equifax to reinvestigate these total of 3 accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Student loan

Prior to XXXX Navient was my student loan server. During XXXX I received a letter stating with no longer be my servicer, due to federal lawsuit from the U.S dept edu. I have been under the income driven program for the last 4 years. Now I receive notification from Aidvantage - Department of Education Loan Servicing saying I have missed payments and interest which Ive never heard from these people. My first correspondence from Aidvantage - Department of Education Loan Servicing was XXXX XXXX.