23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an alert from XXXX bank that potentially negative activity was placed on my credit report. The complaint was made by National Credit Adjust. When I called this company they informed me that they were a collection agency and that they had attempted to collect payment for a loan I owed, but had gotten no response from me. The information I obtained was that the loan was made by XXXX XXXX in either XXXX or XXXX of 2021. I never applied or obtained a loan from XXXX XXXX. National Credit Adjust had my accurate address and Social Security number. XXXX, they had the wrong Drivers License number, the wrong bank, and they said they had verified emplyment at XXXX XXXX XXXX, but I have been retired for 8 years. When I spoke to XXXX XXXX they just said they had sold the loan and gave me no more information. They stated that they had contacted me by phone twice and I had said I would make a payment. I never spoke to anyone from their company. I had call blocking on at that time, so any call from them would not have even gone through.
Product: Mortgage

Due to the COVID 19 pandemic my husband and I were given mortgage assistance via the Pandemic Mortgage Assistance Program through PA Housing Finance Agency from the Federal Cares Act. Shellpoint Mortgage was sent {$6000.00} to cover our entire mortgage payments from XXXX through XXXX. We signed an acknowledgement form that this money would remove any additional costs and were not to send any further money to Shellpoint during this time, nor could we put ourselves in forbearance. An acknowledgement form was also sent to Shellpoint saying the same and that the {$6000.00} was to be used for {$1000.00} full payment each month with no additional cost or fees for us. An itemization of how funds could be used was also sent to Shellpoint. This form was signed on their behalf as well with a witness. 
Shell point did not use the funds as agreed to. One full mortgage payment was made at almost {$1900.00} not the {$1000.00} agreed to, the remainder of the funds were used for escrow and fees according to multiple representatives spoken to over the past six weeks in trying to rectify this. The remaining balance has still not been erased or rectified even after elevating it to a supervisor and calling the representative who signed the contract itself. Our balance is currently for almost {$8000.00} although we should have a balance of XXXX We have not paid our XXXX mortgage yet as we can not get Shellpoint to acknowledge this error and correct. Late fees are now accruing, but we can not ensure Shellpoint will use our full XXXX payment for XXXX and not move around the funds as they did with the payments made by PMAP/PHFA and the state/federal government. We would like Shellpoint to honor the contract they signed when they accepted this {$6000.00} from the CARES act and the state government to erase any additional debt on our part as well as late fees we are not responsible for so that we can continue paying our mortgage from where we are up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to obtain a background report from Accurate, a background investigation provider. 

I have looked at https : //www.accurate.comXXXX and the rest of the website but am unable to determine how to request my report under FCRA.
Product: Credit card or prepaid card

Made a payment on my account on XX/XX/XXXX via online account - payment has cleared my bank account. Here it is on XX/XX/XXXX and is still not reflected int my available balance. 

Target states that because I choose to make additional payments throughout the month or larger then minimal balance amount ... they need to wait until they get confirmation from my bank. They can not give me a date that it will be reflected in my available balance. 

Payment is made from the same bank account it has been paid from since I opened the account in 2006.
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 : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX  XXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXXXXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX 15 USC 1681 section 602 A 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 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 USC 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: Mortgage

In XXXX of 2019 I sent a check to my mortgage service in the amount of {$230000.00}. 
6 weeks later I received an overdue notice and late charges. I called them was told that they had not received my payment. Another call and I was told that they had considered my check to be a '' payoff '' and they would only except a wire transfer for that. 
I told they it was not a payoff request and asked them what happened to my check. 
I was told they sent it to an address where I lived 8 months ago. ( even though I had filled out a change of address form, My check had my current address on it and they had been sending me the payment notices etc. to my current address for 6 months. ) I was told it was an error by their servicing company which was separate from the mortgage holder. repeated attempts to clear this up brought no relief. Eventually I placed a stop payment on the first check, wired a full payoff amount to them and I was charged a full months interest, late fees, missed payment fee and they refused to refund my stop payment fee on the lost check. ( never got it. ) Now, they owed me 2 amounts for overage on the escrow account. Ins. and tax refunds. One check was forwarded to me from the current resident of my old house, YES, they are still mailing to it! I have not seen the second check which should have been here weeks ago. 
I am asking for reimbursement for the interest, the late/overdue charges and my {$35.00} stop payment fee.
Product: Debt collection

In XXXX I was injured while XXXX XXXX. I was treated at a local hospital and released. Due to paperwork problems, the XXXX XXXX XXXX via XXXX did not pay the hospital. The debt was sent to a collection agency. On my own behalf I contacted the VA and obtained assistance in getting the hospital properly paid ( morally, the right thing to do ). Myself and the collection agency in question received a copy of the letter I will be attaching indicating the hospital was paid and further stipulating that the debt was never mine to begin with, and that I can not be held responsible. The letter further directions the collection agency to remove the collection attempt from my credit reports. I had to follow up with XXXX several times to have the collection finally removed. The debt was apparently sold ( invalid as it may be ) to a creditor that contacted me in XXXX attempting to collect on this debt. I sent them a copy of the letter and requested they close this collection attempt. They said they would. I have now been contacted a third time this year. However, I must report that the agency that contacted me did so " on behalf '' of a collections agency in another state, Cascade Receivables Management. The agency that contacted me was XXXX XXXX XXXX XXXX. They refused to identify on the phone as a collection agency, claiming they are a " negotiations firm ''. They continued to refuse to identify unless I identified who I was first, even though they were calling me multiple times. They further refused my verbal request that they send proof of the debt. I then contacted Cascade and requested written proof of this debt. This occurred on XX/XX/XXXX. To date, I have not received anything. This collection/false debt has been following me and causing me untold XXXX and grief, especially whereas my credit is involved. This XXXX XXXX also called my wife, despite having my contact information. They refuse to leave any voice-mails when they call. I do not know how to get relief from this situation. It is my belief that when I send proof that this is an invalid debt, they will simply sell the account and this nightmare will begin all over again and follow me for the rest of my life.
Product: Checking or savings account

On various occasions I apply on to open an Checking Account and they Bank claims this will check will affect your Credit Report but XXXX XXXX, XXXX XXXX and Citizens Banks told they unable to verify my Identity when I had previously had account with them. Are they verifying me name and address are they running credit checks. I had to block my credit because I had Identity and fraud with my account. They informed me that they be able to soft check only. But, the Banks are unable to verify Identity when opening new account. 

Should the Federal Banks in the United States be other Federal Authority to verify individuals Indentity in the United States and for Citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer ContXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX Date Opened : XXXX XXXXXXXX XXXX : {$0.00} - Late/closed
Product: Credit reporting or other personal consumer reports

Currently, ChexSystems is displaying on my recordand making it accessible as public informationthat I allegedly owe several banks, including XXXX  XXXX XXXX and XXXX XXXX. This is completely false. I personally visited branches of both XXXX XXXX XXXX XXXX XXXX XXXX  and obtained printouts from each bank, clearly proving that I do not owe them any money nor have i ever owed them money. Additionally, representatives from both banks confirmed that they never reported me to ChexSystems. 
I visited banks in person on XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax. Complaint # XXXX. Equifaxes response did not address my complaint. There is no way Equifax read the complaint and responded how they responded. I want Equifax to respond to the complaint with an answer that actually address the complaint. They did not address the issues in my complaint instead they responded with a generic answer. I honestly believe Equifax loves to give away money. They have to because the only language they see to understand is a lawsuit. Equifax has been sued numerous times for the same issues that are in my complaint. Actually take the time to read my complaint and respond to the issues in my complaint. I want Equifax to justify why they allow documents, that the SC Attorney Generals office said were faked, to be used to validate the non existing debt that XXXX XXXX made up to scam me out of money. Address this issue. That is what my complaint was about. I did not say anything about errors on my credit report. I said Equifax is allowing documents that the SC Attorney Generals office already said are fake and if they were real do not meet the legal burden of proof need to validate this fake debt between me and XXXX XXXX XXXX. Equifax can address this issue here or address it in court when I file a lawsuit against Equifax. Explain why you ( Equifax ) say that documents that were ruled to be fraudulent by the SC Attorney Generals office verify this fake, made up debt that XXXX XXXX XXXX has submitted to you.
Product: Debt collection

A utility bill was placed in my name fraudulently. I spoke with company representatives several times over course of few weeks. This was about between XX/XX/XXXX-XX/XX/XXXX. Eventually they ask me to pay debt, {$100.00}, and they would notify gas company and then remove collection from my credit files. But after I did, the supervisor did not honor this promise and was rude about it. They did nothing to rectify situation even after debt was now paid and refused to remove collection, which I told them was not mine. I have been disputing this information for a long time now with the credit bureaus but the collection company just keep updating it.
Product: Debt collection

I am writing to file a formal complaint against XXXX. XXXX reports XXXX XXXX inaccurate and negative information on my credit report. It has been over XXXX days since I requested the removal of these entries, and despite my requests, the information remains unresolved, negatively impacting my credit score and my ability to obtain housing and essential services for me and my children. These negative remarks violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which mandates that information be corrected or removed from credit reports if it is found to be inaccurate or incomplete. Under the FCRA, I am entitled to dispute inaccurate entries, and XXXX XXXX has failed to meet its obligations in providing accurate information within the required time frame. Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, ensures that consumers are treated fairly in lending practices, including how information is reported to credit bureaus. The delay in removing these erroneous entries affects my ability to secure adequate housing, which in turn poses a severe financial and personal burden on me and my children. 
I request that the CFPB investigate this matter thoroughly and assist in ensuring that these negative remarks are immediately removed from my credit reports across all three bureaus. The delay in resolution has already harmed my livelihood and my familys well-being.
Product: Student loan

Navient is my loan servicer. I paid over {$500.00} a month on my student loans like clock work ( using autopay ) for over 14 years because I had a good job which allowed me to make the payments with no problem. Unfortunately, after being with the same company for over almost 11 years, I was let go due to the company relocating to California. I continued to pay as long as I could, but then wasn't able to. I called Navient to try and work out a payment plan I could afford and was given no affordable options. I had savings, and was hoping to negotiate a payoff amount. I was told absolutely not an option. I warned if they couldn't work anything out for me that I could afford, and they couldn't negotiate a payoff amount that I'd no longer be able to pay on my loans. They said sorry, nothing we can do. I then HAD to stop paying because I literally couldn't afford it anymore. I am now being sued for defaulting. I still have no job because I haven't been able to find a job that would pay enough to afford child care. Everything I have found would be working just to pay for child care, which defeats the purpose of working at that point. I can't afford a lawyer so I am left with no options at this point. It is very frustrating because I feel like they should have worked with me back when I called countless times to explain my situation. Things didn't have to come to this ... negotiating payments or a payoff amount would have been much more beneficial to both parties. My credit, which was near perfect before this disaster, is totally destroyed. There is a reason there is countless lawsuits against Navient. 
I had paid the amount I borrowed before all this ... I was only paying the unbelievable amount of interest that was attached to the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian over 45 days ago stressing the fact about an account on my credit report, I have yet to hear receive any information regarding my dispute, it is also my understanding that if you have not gotten a response within the 30 day period the item on the account must be deleted, according to the FCRA, but it is also to my understanding they are allotted 15 extra days due to COVID-19, all I ask is, please respond or delete the account attached to my credit report. thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX.
Product: Mortgage

I called Quicken Loans on XXXX XXXX 2017, to discuss getting a mortgage to purchase an unfinished house on a 3-acre piece of property. I talked to an upbeat loan officer by the name of XXXX XXXX, who told me the type of loan I requested was indeed possible with Quicken Loans. He told me Qucken Loans is a direct lender and can make mortgage loans many lenders can not. 

I told him I wanted to have my mother on the loan and I gave him her income information. He told me, based on her income, the amount of money, {$100000.00} she would qualify for, but he also said he needed to check her credit first. After he talked with my mother and he ran her credit, he said he could not do the loan. I thought this was strange because her credit came out to XXXX. When I asked him why he was turning her down, he said that Quicken Loans does n't do this kind of loan after all, and the house must be completed at closing. When I asked him why he did not tell me this before he ran the credit, he said running the credit only took off a few points and it was not as bad as applying for a credit card. I thought his flippancy towards running my mother 's credit if he " could not do that type of loan after all '' was damaging to her. 

Most of all, I am filing a complaint because I believe the lender practiced age discrimination against my mother. Although she is in her late eighties, she has a right to file for a mortgage without being misled about what loan is possible for her, and without having her credit checked for no reason.