23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been in forbearance with Loan Care since XX/XX/2020 and ended the forbearance at the end of XXXX 2020. Upon their request, I submitted the required paperwork 60 days prior to the forebearance ending to find out what our options were to start paying the mortgage again. After numerous calls and different information given to me each time, we received a modification in the mail XX/XX/XXXX. I then called again on XX/XX/XXXX asking what my other options were since the modification was not even something to consider. I was told the send back the modification offer with a letter stating that I was declining the offer and wanted to defer the 6 months payments to the end of the loan and begin paying the regular mortgage amount due. I think called the following week and they confirmed it was received and in review which would take a few weeks to complete. That is the final conversation/correspondence that I have had with them until today. Since I gave them a month to finish the review, I called today to find out what the status is since I have not heard anything and I'm no longer able to log into our account. I was then told that we were denied the deferment due to the fact that our loan was transferred to them in XXXX from our previous mortgage holder. I then asked to speak with a supervisor, and was on hold for over an hour to be told that no supervisor was available and that I should receive a call back in a couple days. Each time I have been told that I never received a call. Our mortgage is backed by XXXX  so per the Cares Act we should have the option to defer these payments but I just continually get jerked around by this company.
Product: Debt collection

THE ORGINIAL DEBT WAS TO XXXX XXXX XXXX XXXX, THEY SOLD THE DEBT TO FLAGSHIP CREDIT ACCE. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A ZERO BALANCE.
Product: Debt collection

failed to validate and delete inaccurate information on my credit report after months of me disputing the inaccurate Information
Product: Credit reporting or other personal consumer reports

Experian report : XXXX. 

Currently, my credit report shows a discrepancy regarding my bankruptcy. Experian is reporting the bankruptcy on my credit history, while XXXX is not reporting it. 

This inconsistency suggests that the information provided by Experian may be inaccurate or incorrect. According to the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681 ), the information in credit reports must be accurate, verifiable, and consistent across all credit bureaus. 

I requested that Experian verify this information, but I have not received a satisfactory response. Since XXXX is not reporting this bankruptcy, it demonstrates that the data may not be accurate. Therefore, I request that this information be immediately removed from my credit report, as its maintenance violates my rights under the FCRA.

By failing to correct this error, Experian is in violation of FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and remove inaccurate or unverifiable information within a reasonable time.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I sent letters regarding reported accounts without my consent. It violated my rights as a consumer. It affects my score and my credibility as a consumer.
Product: Credit card

Items were purchased seemingly on Thu, XX/XX/year>, that were returned with available evidence were purchased adjusted by the credit card company to the card ending with XXXX on Mon, XX/XX/year>. The alleged error was discovered today. Items were purchased seemingly on Thu, XX/XX/year>, that were returned with available evidence were purchased adjusted by the credit card company to the card ending with XXXX on Tuesday, XX/XX/year>. XXXX item refunded on XX/XX/year>, in the amount of {$40.00} has proof of refund but has been purchased adjusted to an even higher amount of {$42.00}. One item returned, purchased in the amount of {$55.00}, has been purchased adjusted and charged at the correct amount. However, that item was returned and should have been refunded. I do not have these items in my possession ; the merchant does, and proof of the return of that item is available, along with proof of the refund by the merchant for the latter. I do not agree with the charges, as they had been previously refunded by the merchant, no matter the circumstance, but were reapplied due to an alleged error by the credit card company for unknown reasons.
Product: Debt collection

I am using this entity to demand payment for violations begore i file a suit in federal court. 
I have told them to stop amd thry continue to text me : XX/XX/XXXX I received a text message XX/XX/XXXX I put them on notice about refusal of paying the alleged debt Still obtained text messaged on the fallowing days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal actions by debt collectors Also violation of Identity theft, 15 USC 1681a4, as I have absolutely no contract with them and they gave a hold of my personal information eith out my permission. 

Please pay me a total of XXXX for the above mention violation I will post the proof of screen shots below. 

Act accordingly and avoid bring sued in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to Experian but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX
Product: Debt collection

Hi, I received an letter in the mail from my job saying that I have been summons of garnishment from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated they attempted to serve me and I didnt respond which led to garnish my wages. That is false .I never received any court papers considering this matter. I have never been to this hospital before. I have had health insurance for 4 years now .I tried to contact the law firm who is being the third party called RaganandRagn law firm located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX to see what this matter was obtaining to, they kept hanging up the phone until finally getting a hold of them. I politely asked what this matter was about, he told me he doesnt have to answer my questions and just pay my debt then proceed to hang up. They filed a Garnishment with XXXX XXXX XXXX. I spoke with XXXX XXXX Court and told the clerk that I asked the law firm if they could give me any details about this hospital bill and that the law firm was very rude and didnt answer of my questions or concerns. XXXX XXXX court clerk told me to fill an motion and that the law firm illegally filed a claim. This law firm have over 30 BAD reviews on their website. Im going to file The Fair Debt Collection Practices Act against them because it is incrediblely unfair that I have to get money garnish from my check when I never even been the hospital that they stated. They could of simply hear me out with my questions about this concern. The firm have very poor communication skills. Now I have to file an motion with XXXX XXXX court. They need to be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter written to all 3 credit bureaus XX/XX/2023. Experian, XXXX and XXXX XXXX. 

Dispute : Accounts written off with the IRS is considered ordinary income and now canceled debt, 1099c. Advised that I never received the 1099c for any accounts that were charged off and to please provide proof of documentation if so. These accounts are inaccurate and still furnishing on my credit report. The companies have filed it on their taxes as a loss and is still reporting it on my credit report as debt. I asked to be provided proof of accuracy of these reportings and delete for inaccuracy of accounts. Violation code 15 usc 1681e ( b ), 15 usc 1681n, 15 usc 1681o. 

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Accounts furnishing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a recent data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these inquiries be removed to prevent any further unauthorized access or potential fraudulent activity. 
Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled at XXXX XXXXXXXX XXXX and its a lot of inaccurate information.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

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

In accordance with the fair credit reporting act this creditor, 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 USC 166b : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXXXXXX, the agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to XXXX XXXX, Experian, and XXXX. XXXX XXXX and Experian is showing a late payment for the month of XXXX in XXXX and XXXX is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with XXXX XXXX XXXX XXXX and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX - XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Bank account or service

At finally, I required to file extra-charging complaints against Bank of America that They still refused send my paid rent check with sad icons forward to Speaker XXXX XXXX and U.S. Senators and they refused helped with me into credit card declined because of overdraft and bad credit records as XXXX official told me that I applied for XXXX Bank for a debit/checking account application had been declined in the past years ago because of Bank of America had my bad record included overdraft and others. In addition, I did not get a refund check {$310.00} since XXXX XXXX, XXXX i checked mail daily, it was nothing to do, so frustrated with Bank of America did not send me a refund check to me without alert messaging to my smartphone, it helps me a notification alert. They declined my credit card with XXXX that they discriminated me that had not resolved problem. I do not want call Bank of America without person will take care of me.
Product: Mortgage

I have a 7 year arm libor type home loan through suntrust mortgage, which defaulted to the market rate based upon the libor rate 4-5 years ago. It has seem to correlate until this year where my interest rate jumped 25 % and doesn't seem to correlate with the libor rates/change. I get no clarity in the matter when talking with my banking institution.
Product: Payday loan, title loan, or personal loan

ON OR BEFORE XX/XX/2020 I USED MY CHECKING ACCT ENDING IN:XXXX, AND BOUGHT ME A 2015 XXXX XXXX XXXX ( BLACK & RED ). WITH MY MEMBERSHIP # XXXX MY COST WAS BEAUTIFUL, XXXX DEALER NAME WAS XXXX NICE FELLOW ( XXXX MAN ) AND I NEVER SPOKE WITH HIM AGAIN.PENTAGON FEDERAL CREDIT UNION HAS DISCRIMMINATED AGAINST ME THEY SENT MY RETIREMENT DISABILITY INSURANCE BACK TO THE SOCIAL SECURITY ADMINISTRATION, ( 2 )  WITHOUT TELLING ME AND I OPENED UP THIS ACCOUNT ON:XX/XX/2020 AND SOCIAL SECURITY JUST RECIEVED MY RETURED CHECKS. AND I HAVE A BILL OF SALE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXILXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPTOFEDXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4000.00} ; XXXX  XXXX Balance : {$410.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, 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 : # 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 : # 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. 

XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXXXXXX XXXX XXXX : # 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 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., Account name : # XXXX Account name : # XXXX, Account name : # 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 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., Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Debt collection

I rented a car when visiting my mother in XXXX, Texas, several months ago. I returned the car to the airport when I flew home. First, I received letters stating I needed to return the car. I contacted XXXX and stated that I had returned the car. I had to fill out paperwork while at the airport because my mother 's neighbor backed into the car, and I listed her name and insurance information as the responsible party. The neighbor 's insurance agent had called me, accepting responsibility and giving me all the pertinent information to turn in to the car rental company. Then, I get a bill for {$800.00} for the damages. I sent another letter explaining everything again, with all the insurance information I had already given them for the damages. 
Now I get another letter dated XX/XX/2016, demanding payment and warning of collection efforts. Here is a copy of the letter I sent them : Viking Billing Service XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX : This letter is in reference to your letter requesting payment for a claim, number XXXX. I have no idea what is going on with XXXX. First I keep getting letters to return the car ; now I get a letter requesting payment for a claim. All the information was on the paperwork when I returned the car. 

When I returned the car, I stated on the paperwork that the neighbor backed into the car and she gave me her insurance information. I spoke with the insurance company, and the company accepted responsibility. Obviously, XXXX not only had lost the car ; the paperwork also vanished. 

Here is the information again. The insurance company is XXXX ; claim number is XXXX. The insurance agent 's ( XXXX ) number is XXXX x XXXX. 

I have been in XXXX and just now opened your letter requesting payment. I have never had such an experience with a car rental agency, especially with one as well known as XXXX. 

Sincerely, Please advise how I can stop this harassment.
Product: Debt collection

Upon reviewing the latest credit report, multiple accounts seem to have been added improperly and are incorrect. A request is being made to immediately block and remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

NOTICE OF LAWLESS VIOLATIONS : According to 15 USC 1681 sec 602 the banking system is dependent upon fair and accurate credit reporting. Transunion in my experience is not in compliance nor is XXXX XXXX XXXX XXXX XXXXXXXX XXXX frustrating to say the least. Transunion is reporting inaccurate information to my credit file. A charge off is considered a certificate of indebtedness per the IRS Article publication 1099c. The information reporting as charge- off on the credit report is illegally being reported Per the IRS publication charge-off is certificate of indebtedness and is considered income and can not be reported on a consumer credit report. Requesting removal of account and 1099c from the XXXX XXXX as proof of charge off to the company A charge-off is considered income and can not be reported on a consumer report. I opted out of sharing my personal information to 3rd parties last year. This is a violation of my privacy per the Privacy Act of 1974 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4600.00} reporting a revolving account with payment status charged off, that is inaccurate reporting, Remove immediately