23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Husband and I went into a Forbearance last XX/XX/XXXX  in an agreement that what we had missed in the forbearance would be deferred to how much we owe on the house instead of effecting our monthly payments. I started making payments again 2 months ago and let them know that i no longer needed the forbearance. They have now stund us with a new " modification " that was never agreed upon. they are telling us we owe backpay of over XXXX and instead of our usual XXXX payment a month, we will now owe XXXX a month or they will put our house in foreclosure. There is no paperwork trail. This was all just recorded on their end and was a verbal agreement over the phone. I have tried to get the recording from them now for 2 days. I have been getting the run around and was finally asked to send a hand written letter to the correspondence office and hopefully get a reply back. We have XXXX  children, my husband is active duty military and we absolutely CAN NOT afford this. how do they expect an active duty family who was on a forbearance to all of a sudden be able to pay a mortgage and a half??? we were LIED to!!!!!!!!!!!! we did NOT agree to this and if i had the recording, i know it would hold up in court. this is SOOOO WRONG to do to a military family that already struggles to survive in a town with no family or friends to help! we are a XXXX XXXX XXXX that share a car and have no one to depend on but ourselves. They are unwilling to work with us, or provide me with the recording. I am so sick over this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one address all my life and that address is XXXX XXXX  XXXX XXXX XXXX Florida zip code XXXX if their is any other address associated with my name it is false and needs to be removed from my credit report I believe this to be fraudulent information that is hurting my credit score
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. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am filing a complaint against Equifax for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Equifax has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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
Product: Debt collection

Wakefield & Associates registered my cellphone number without permission to receive text messages to collect some kind of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

Equifax allowed this information to be put on my credit without any documentation and refuses to correct the information being that is it false and XXXX has no proof
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Account number : XXXX Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on XXXX to XX/XX/XXXX for my XXXX I XXXX you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have been making my payment on time. Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for new accounts. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the any late payments on this account. 
Please send an update to XXXX, XXXX and XXXX to remove the late payments on this account. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Debt collection

I called the number listed on my credit to let them know that I don't owe them anything their an unknown company on my credit report would be reporting this
Product: Payday loan, title loan, personal loan, or advance loan

They tell me that I am eligible for refinance and everything I apply they denied me although my loans has been paid in full. Today for an installment loan of XXXX. They always say that they don't have no control on what the system says.
Product: Checking or savings account

Contacting yall back cfbp case XXXX again I disagree with the decision Yes I need this case number Wells Fargo case number : XXXX To be reopen and investigation again I did contact the fraudulent department but they couldnt help me fix my issue please help fix my issue and this is the support case number they give me Case number XXXX I have send the statement of the issues and screenshot of the issues to XXXX I am attempting to restore my XXXX account, but I'm unable to use my phone number XXXX or my email address XXXX for enrollment. Please unblock both the phone number and the email so I can proceed with the registration. I've attached a screenshot detailing the issues I'm experiencing. Thank you for your assistance or automatically enroll the email XXXX and phone number XXXX for me into account number XXXX if yall cant unblock the email or phone number or automatically enroll it for me please tell me what bank blocked the email and online number and username is XXXX etc.
Product: Credit reporting or other personal consumer reports

XXXX contacted me about a loan that was not mine, threatened and harassed me until I hired a lawyer, XXXX XXXX, and went to court. They could not provide documents to show I ever had the loan the court ruled in my favor. Now, in some student loan database, while I'm trying to apply for Public Service foregiveness, it's showing a loan with XXXX. After several emails, would call but the company has changed, I can't get this to go away!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, XXXX, and Experian, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Last Four of Social Security number : XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax Information Services XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report. I've attached a list of collections and charge offs in question. I do not recognize the aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge-offs are the result of identity theft and fraud.
Product: Mortgage

I am trying to locate a PHH executive because since XX/XX/19 I am going through problems that are never solved by the bad work they do and I am very scared after reading all the reviews of clients and talking with the lawyers that defend a legal case they have. I have reported all irregulations to the state of Florida, but I would like to speak with a senior executive.
Product: Money transfer, virtual currency, or money service

Online scammer by the name XXXX XXXX see attached from XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle was totaled on XX/XX/2019, and my insurance paid {$4100.00} more than what was owed on the vehicle. I was assured by Toyota financial services that I would receive that overage amount. TFS received the payment from my insurance on XX/XX/2019. I have called more than 15 times about the status of this check and so far have received nothing. I spoke to a manager on XX/XX/XXXX and he assured me the check would be sent that day. I never got it in the mail so I called again on XX/XX/XXXX and was told it would be 10 business days. I called another time on XX/XX/XXXX and was told another 10 days. I called today XX/XX/XXXX and was told the account was not closed and the check had not been sent and that it would be sent in 10 business days, So I emailed the manager I originally spoke to and have not gotten a response.
Product: Credit card or prepaid card

I received a credit of {$1400.00} due to a trip that was cancelled my card showed - {$1400.00} credit on my card. I went to bank to Withdraw the said amount. 
The following day My card showed a cash advance fee amount of {$43.00} I contact capitol one bank card @ XXXX. I spoke to customer service explained why was I charged for a credit as a advance fee to which he said he would put me on hold & ask if it could be waved.he came back and after a lot of verbiage he stated that it could not be waive. Reason did not make sense to me Therefore I am contacting you to see what my options are I have paid the fee as I do not want my credit to be damaged and hope that you can resolve this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 : I contacted all three agencies XXXX, XXXX and Experion. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.
Product: Credit card

I subscribed to XXXX XXXX for a dedicated virtual machine ( server ) to house my XXXX  application, which is accessed by XXXX XXXX and by XXXX XXXX. 

XXXX has overcharged me for 3 years for services I did not use but their " support '' installed redundantly, did not lower the fee, nor refund for charges billed for unused services that they fraudulently created. All while their support crashed my server which could not be used by me or my XXXX XXXX XXXX continues to charge me after I terminated my subscription. 

I have disputed numerous charges. Citi always rules in vendor favor, in spite of my calling explaining the problem and sending documentation. 

After many attempts, I finally figured out the racket. " My '' bank has no incentive to support my claim; on the other hand, they have motive for rejecting my request. All recourse and argument is structured in favor of the vendor : -If Citi/VISA upholds the charge, Citi and VISA make money on the transaction -If Citi/VISA reverses the charge , Neither Citi nor VISA make money ; and, in fact, lose money.
Product: Credit card or prepaid card

Hello, I pulled my credit report on XX/XX/XXXX. I called XXXX ( Opened XX/XX/XXXX ) to verify my information. They said they did not pull me up with my SSN.  They did verify they had my name and snn. They said they did n't have my address. I want to know why this is reflecting on my credit report when I paid this. It is also from XXXX and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has refused to accept my valid disputes on multiple occasions. I have sent in several letters through the mail. I have submitted a complaint online and most recently I filed a formal FTC affadative with Experian. They are refusing to block and remove the information from my report. The response to the mailed letters is that they don't believe they are valid- even though I signed them and attached XXXX forms of ID. Then I was told my FTC Complaint did not pass their internal investigation therefore they were going to treat it like a traditional dispute and not an identity theft. When I ask them why they tell me they do not disclose their internal procedures. 
I spoke with XXXX in the Experian Special Services and XXXX in the Escalation department. 

I asked to be transferred to someone who could help and they told me I had been transferred once and they wouldn't be transferring me again. 

They have incorrect fraudulent information on my report and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I have new information about Transunion. I recently exercised my right to dispute inaccurate information I found on my TransUnion consumer report. I have received recent updates with continued inaccurate reporting to ensure I receive the response I stated in my dispute : I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Transunion electronically through the CFPB and no other form. 

This is regarding any dispute sent through mail that was received on XX/XX/2022. Please see attached green receipt as exhibit.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Used a XXXX  % balance transfer offer from Capital One for about {$10000.00}. I thought I had changed my autopay settings, but autopay ended up paying off the entire balance after a single month. When I called in to try to reverse part of that payment, they said they'd submit a request, but that was then denied. I've never had a problem getting overpayments reversed with other banks, even when it was 100 % my fault. I essentially paid {$300.00} for a XXXX month " loan ''.
Product: Student loan

I received a letter from XXXX ( XXXX ), threatening a tax offset to pay for a defaulted private student loan balance. Under the FDCPA, a private loan lender can not seize tax refunds. Those actions are only available in collection 's on Federal Student Loans.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX received call from bank of America fraud division advising my credit card was hacked. asked me if i purchased {$2800.00} worth of 'pot growing lites. ' advised i hadn't. rep told me she researched my purchase history and concluded i didn't order them and went as far as to close my card card and reissue new one. told me that amount was already charged to card but would be backed off and merchant wouldn't get. 

i have included a letter sent to bank of America on XX/XX/XXXX and a subsequent letter sent to them on XX/XX/XXXX. 

I TAKE GREAT PRIDE IN MY CREDIT SCORE AND BLEMISH FREE CREDIT REPORT. I HAVE ADVISED BANK OF AMERICA PERSONNEL ON SEVERAL OCCASIONS THAT THEY HAVE BETTER NOT DING MY CREDIT OR LEGAL ACTION WOULD RESULT! I HAVE NEVER IN MY LIFE SEEN A COMPANY ESPECIALLY A BANK RUN WITH SUCH INEPTITUDE. THE LEFT HAND LITERALLY DOESN'T KNOW WHAT THE RIGHT HAND IS DOING! 
It really is disgusting and reprehensible that a bank is permitted to conduct business in such as slipshod manner! All of my mental ; anguish and grief could have been avoided if B of A would have contacted the shipper as they said they would before the order shipped. and to this date the several voice mails left at the shippers point of business have gone unanswered. Thank you for your assistance in this very critical matter. sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reached out to Wells Fargo and they said they do not have a record o any inquiries linked to my name and to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never XXXX XXXX
Product: Debt collection

This amount was paid when I switched from my personal account to my business account. This amount that is trying to be collected should never be a debt. I still have current running service paid monthly on time with company
Product: Credit card

Today, on XXXX  XX/XX/XXXX, I received a Voice mail call requesting I return the call, to XXXX XXXX XXXX this was an attempt to collect a debt and I was past due with a payment. 

Since when please, are Sundays allowable days for collection efforts by any companies? 
Laws simply state XXXX to XXXX for XXXX. 

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

According to the fair Credit Reporting ACT ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

My problem is with Comenity Bank. I have/had a XXXX card through Comenity. In XX/XX/2019 I paid the card to XXXX ( {$52.00} ) ), or so I thought. Evidently they have some kind of time cutoff and even though I made the payment on the date it was due XX/XX/XXXX it posted to their system the following day XX/XX/XXXX. I had no idea this had happened until XX/XX/XXXX/XX/XX/2019 because I assumed the debt was paid in full. Once I found out I called and asked that late fees be waived. They would not waive all of the fees. I said I would pay {$32.00} in late fees to close the account ( I really felt I didn't owe but was trying to be reasonable ). They have continued to bill me for additional late fees and interest every month and have begun to negatively impact my credit. The company called the other day and basically said I owe $ 190+ dollars and if I would pay {$69.00} they would quit bugging me. I said no. Then they dropped to {$47.00} and said to pay or they would report on my credit again. I have the money to pay the {$47.00} but at this point it is the purpose of the matter, they are behaving unethically in my opinion. Comenity could easily rescind these charges and settle this account. They have already received {$32.00} more than I actually owed and they act like I am trying to rip them off. It is very disheartening and infuriating. If I was defaulting on a principal balance I could understand their aggressiveness but this is revolting. They are simply being greedy. Please hold them accountable and help them establish better business practices.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting the following : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX ), and Navient ( XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX ) has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 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. Code 1681a- Definitions : rules of construction Exclusions.-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose I have contacted these companies with no success.