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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An application was submitted to American Express on XX/XX/2020. American Express ran a hard inquiry on my credit on this date but informed me that my personal phone number needed to be updated with XXXX before approving the account. I updated the phone number on XX/XX/2020. American Express credit department ensured me that they would not run my credit. However, there is a hard inquiry on my credit report for XX/XX/2020 that I did NOT authorize. This is a violation of the Fair Credit Reporting Act. I attempted to contact customer service and was transferred to 3 different people who could not resolve the problem. In addition, I contacted customer service via chat and could not resolve the problem either.
Product: Mortgage

HAVE A VA. was purchased by XXXX, services by PHH. PHH IS owned by OCWEN but PHH IS title as wholly owned subsidiary. 

Since XX/XX/XXXX I have requested by phone and by email to use forebearance under CARES ACT HR 748 section 4022!!!

They keep telling me. I can only do 3 months and them pay all. I have told them I am effected and impacted by COVID19.

I sent a copy of the law and the letter from VA guaranty which was made public!!!

A relationship manager was supposed to call. I gave them number to call. She did not call the number given. Then we called back and she was suppose to call this past Monday!! Never called!! Nothing I have sent 2 emails with request to homerenrention relationship manger and Supvs. No response please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections. 

15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ). 

FTC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove. 

I am also attaching a copy of my FTC report that I filed as well for Identity theft.
Product: Credit card

XX/XX/year> spoke with an agent named XXXX, she stated that I didn't keep the agreement of the hardship, and now I owe and additional XXXX and also that the copy of the NSF charges that were charged to my checking account of XXXX will not be refunded due to them not being able to see the additional information associated with my account, I was told by a manager XXXX that all that was needed was a copy of the NSF charges being deducted from my account, I did pay the XXXX that was originally on my dashboard XX/XX/year>
Product: Debt or credit management

I was paying until I got hurt on the job but I had they insurance so if anything was to happen it will still get paid they took my car and all
Product: Mortgage

Since XX/XX/XXXX my mortgage has increased by {$2400.00} monthly from {$3500.00} to {$5900.00}. Upon inquiry, I was informed that the increase was due to a and escrow shortage in the amount of {$19000.00}. I requested an investigation and it was found that a check in that amount was sent out to me on XX/XX/XXXX of XXXX XXXX and was cashed in XX/XX/XXXX of XXXX. This check disbursement is the express reason for my escrow account being short, ( shortage amount {$19000.00} ) and as a result, my payment has significantly increased to close the {$6000.00} a month. 
I am unable to pay that amount, naturally and am requesting an escrow analysis to determine why my account is constantly showing either an overage or a shortage in order to stop this problem from arising again. This is the second check that was sent to me, the first being in the amount of {$12000.00} in XXXX. At the time, I called and inquired about the funds and was told it was an overage and that it belonged to me. 
I have been ready to make my usual mortgage payment of {$3500.00} and requested permission to make payment until this shortage issue could be solved but was told by customer service reps that they could not take partial payments. I was advised to request a shortage spread over thirty-six ( 36 ) months so that I would be able to afford the payments and sent a written request in XXXX but have yet to receive a response. I have called numerous times and spent many hours on the phone trying to rectify this, as documented in call logs and your customer representatives notes on my account. Meanwhile my account is three ( 3 ) months overdrawn and I received a foreclosure letter this past weekend. As you can imagine, this is very frustrating and worrisome, as I have been attempting to make contact and receive a resolution to this problem for close to 3 months. As a result, my credit has been negatively affected and I am being charged late fees on a monthly basis.

I am requesting an escrow analysis to determine the cause of these discrepancies/ disbursement, and seek a reasonable resolution to this problem so that I may return to good standing on my mortgage. Up until this time, I have not missed or been late on my mortgage payments for the three ( 3 ) years that I own my home. I do not wish to lose my home, especially when this is a problem not of my own creation. When I received guidance and payment from my mortgage company, not once but twice, I would never have assumed this was done in error. I called and inquired before and was assured it was an overage. I don't understand why I am being penalized for the internal error now. Please research this issue with my account and advise me on all of my options. I have also been interested in refinancing and am concerned this issue may upset my chances and ability to do so.
Product: Money transfer, virtual currency, or money service

My online bank account Netspend which is affiliated with XXXX XXXX  just stopped my debit card from being used without any notifications or messages. I have seen over 100 complaints in the past week saying the same thing happened to them. I have called Netspend multiple times but the error message I recieve states that due to the COVID-19 they are experiencing high call volume and asks to try back later and hangs up. Ive tried going through the automated system but they do not have an option for my problem. At XXXX XXXX I tried using my debit card at a gas station and it was declined, completely to my surprise. When i tried to use the card I received a message from Netspend advising me to activate my card and provided a link which takes me to the start of creating an account and activating a brand new card. Ive had this card for years and there is no reason I would have to activate my card which Ive used for years. I cant get any direct answers and when trying to call them it will hang up due to call volume. Ive had trouble with Netspend every month the past 3 or so years of being a member. They will hold my money without any notification explaining the reason and make it impossible to contact them since it hangs up every time I try to call. This is the most problematic bank Ive ever experienced. They are down right crooks.
Product: Student loan

Greetings. I have submitted all of the required documentation to Mohela, my student loan servicer, to document my eligibility for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) Program. Documentation was submitted beginning in XX/XX/2022. As of today, this documentation demonstrates that I have met the requirements of the PSLF program and I am eligible for forgiveness. Also, in XX/XX/2022. I requested a refund of my payments during the federal forbearance period from both Mohela and XXXX XXXX. I have not received neither my refund nor a written response to my request for discharge of my loans due to submission of documentation that demonstrates I have met the requirements for PSLF. 

The delay in processing my request is negatively impacting my livelihood because the PSLF program requires that applicants remain in public service until Mohela mails or informs applicants of approval for loan discharge or forgiveness. I have had to decline job opportunities and I am being restricted from pursuing other jobs outside of public service until I receive a response from my student loan servicer.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and show this account was paid. Please remove it has been affecting my ability to obtain credit.
Product: Debt collection

XX/XX/2018 - I received a call at work asking for me under my name maiden name. Quickly I responded and said there is no one under that name. 
I check my credit report because I don't want any surprises, I noticed they were seeking my information. 

I find that this debt collection agency to be in breach of FDCPA, prohibits debt collection calls to your job.
Product: Debt collection

sca collection has re-aged an old debt in an attempt to ruin my credit.
Product: Debt collection

Sent a process server to my apartment in a secure building. Process server threatened to call cops. Paperwork said Second Judicial Curcuit XXXX XXXX SD but no actual case number not actually filed. Said I need to report the their law office in XXXX MN or face a default judgment.
Product: Debt collection

On XX/XX/XXXX I received a letter from debt collector XXXX XXXX to inform me that they are servicing an account that is owned by XXXX XXXX XXXX XXXX, XXXX with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to XXXX XXXX via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that XXXX XXXX provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or XXXX XXXX XXXX. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by XXXX XXXX   XXXX.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to XXXX XXXX on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by XXXX XXXX for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.
Product: Debt collection

On XX/XX/XXXX, I tried to secure a loan but was told my credit had a debt collection against it and I could only get the loan at a higher rate. I immediately pulled my credit report only to find my total score dropped XXXX points ( XXXX to XXXX ) and I had a debt collection against me. This was a 1st heard for me and I didn't get any notices or calls prior to this date. I immediately placed a fraud alert on my credit report. 
I called the 3rd party debt collector Helvey & Associates INC on XX/XX/XXXX, who is attempting collection on the behalf of XXXX XXXX in North Carolina. I wasn't able to talk to anyone as their organization was closed. I left a voicemail and received a call the following day ( XX/XX/XXXX ) in which we discussed the matter. During that conversation, I learned there was an electric bill account ( XXXX XXXX ) in North Carolina opened over 14 years ago in my name and there was a balance under {$900.00} that now has morphed into a balance of {$2300.00}. My account and credit was flagged XX/XX/XXXX by the collection agency. My credit report/history never had an entry from XXXX XXXX or this collection agency before last year. 
I never lived in that state, however I did own a rental property at the address in question ( XXXX XXXX XXXX. XXXX, NC ) over 14 years ago and sold it not long afterwards. I ended up suing my last tenant for eviction ( and won ) and later sold the home. 
This debt collection and the creation of a false account in my name has effected my credit score, opportunity to make purchases at competitive rates and now I must report to my government employer as I currently hold a security clearance. 
I would like this resolved by removal of the the debt, my credit score placed back intact and a fraudulent alert placed on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is posted that this account is open and it has been closed and charged off since XX/XX/year>. They are paying late payments and they sold the car after they repossess it XX/XX/year> at XXXX. I want this account deleted bc its reporting inaccurate information. They will be in this lawsuit filed against them for reporting this inaccurate information. I have proof they closed this account and the last payment dates of XX/XX/year> in the amount of XXXX that they sold the car for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  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 instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, EQUIFAX, AND XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to my consumer Credit Report. This action by XXXX, EQUIFAX, AND XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. As custodians of these records, XXXX, EQUIFAX, AND XXXX are bound by FERPA regulations. However, they have egregiously disregarded these regulations by Furnishing/reporting transaction histories to consumer reports without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. XXXX/DEPARTMENT OF EDUCATION 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. Despite my attempts to rectify this matter directly with XXXX, EQUIFAX, AND XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking accountability for Their actions. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Removing All of the Information pertaining to financial transactions that associate with my Education that they furnished upon my report. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANK/LNBRYANT  XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Vehicle loan or lease

I became I'll an could not afford my payments, so initially I told them I could not longer pay my payments, so they picked up the car the first week of XXXX, I called them the following week to ask them where they took my belongings, they gave me a phone number, my payment history on my credit port is not accurate, they have a XXXX on my credit report, but as I stated I was never given any correspondence about the car after they came an got it my balance owed was about XXXX I have been trying to find out how much they sold the car for but to no avail, since legally they are sispose to send me correspondence about the repossession an the sale of the car an they did not I would like this removed from my credit report
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report XXXX XXXX XXXX, XXXX, XXXX
Product: Mortgage

Nearly three weeks from today, my nephew and I contacted PHH Mortgage Corporation ( " PHH '' ) to initiate a short sale of my property located at XXXX XXXX XXXX, XXXX, NJ XXXX for which I became owner together with my late husband XXXX XXXX XXXX ( " Mr. XXXX '' ) ( died XX/XX/XXXX ) in the year of XXXX by deed taken as husband and wife pursuant to New Jersey law for tenancy by entirety under N.J.S.A. 46:3-17.2 as displayed within Exhibit A. 

PHH, however, refused to forward me the necessary documents to initiate a short sale by declaring that I had to, first, be granted authority to speak about the account associated with the predatory refinance transaction originated by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with Mr. XXXX executing the note instrument as the sole obligor, and we both executed the security instrument a/k/a mortgage with even date. See Exhibit B for the mortgage instrument signed by both my late husband and myself on XX/XX/XXXX. 

PHH indicated the required documentation that I needed to execute in order to be consider by PHH to speak about the subject account would be forwarded to me within 7 - 10 business days which have since come and gone, and I have yet to receive the necessary documentation that I requested. 

I believe the tactics of PHH, refusing to speak with me about the subject account and a short sale prior to executing authorization documents ( that I have yet to receive ), when PHH knows ( or should know ) that I am authorized to speak about the subject account for which PHH 's predecessor Litton Loan Servicing LP ( " Litton Loan '' ) acknowledged by rights to the subject property upon : ( 1 ) commencing foreclosure against me and my husband ( on the same day Mr. XXXX died ) on XX/XX/XXXX as owners of the subject property as displayed in Exhibit C ; ( 2 ) offering me a modification effective XXXX XXXX as displayed within Exhibit D ; ( 3 ) taking from me and cashing approximately {$16000.00} in payments from XXXX XXXX through XX/XX/XXXX as displayed within Exhibit E ; and ( 4 ) addressing me in communications dated in XX/XX/XXXX through XX/XX/XXXX regarding the subject account as displayed within Exhibit F. 

Furthermore, PHH is now treating me as if I have no rights and / or ownership of the subject property, and no right to speak about the subject account despite : ( 1 ) commencing new foreclosure proceedings against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing refinance mortgage on XX/XX/XXXX as displayed within Exhibit G ; and ( 2 ) procuring final judgment against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing mortgage as displayed within Exhibit H.