23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was injured on my job on XX/XX/year> with Bank of America. My employer was fully aware I was seeing a XXXX XXXX XXXX and their insurance company XXXX paid me temporary XXXX benefits from XXXX but did not pay me for XXXX, XXXX, XXXX until XX/XX/XXXX. They knew I am represented by an attorney but they communicated with me to try to force me back to my same old position without describing any modification of my duties. My XXXX XXXX stated I had restrictions of no lifting XXXX pounds or more which my position requires. I did not want to worsen my health. XXXX did not pay me and was supposed to pay me XXXX and they were fully aware my employer did not offer me other job positions that accommodates my restrictions so XXXX should have paid me XXXX and now with penalties for those months for not being able to work. Further, they made a false allegation that I was in a car accident to prevent my lawsuit from being settled. XXXX also had my employer threaten me with wrongful termination by alleging I took unauthorized absences when XXXX was legally obligated to pay me XXXX. XXXX is using the workers compensation legal system as a way to prevent paying me with penalties! PLEASE HELP! Resolution my complaint as well as insurance attempting to resolve this case within a reasonable timeframe. They continued to deny all the medical treatments my doctor requested including pharmacy prescription of less than {$50.00}, request for yoga and aquatic therapy. I hurt myself on the job and theyre dragging out the process while I have no health insurance to cover me. This insurance company is egregious and abusing the system by wrongfully denying basic health treatment requests and preventing steps to settle this within a reasonable timeframe! They need to be sanctioned, penalized, and punished! Have this company be SCRUTINIZED AND PREVENT THEM FROM ABUSE OF THE SYSTEM BY NOT ALLOWING THEM TO BRIBE POLITICIANS TO FAVOR COMPANIES OVER INJURED WORKERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it I, XXXX XXXX have never given XXXX, XXXX, or transunion any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.
Product: Credit card or prepaid card

I was trying to buy an online XXXX server I was led to believe that a person on XXXX was the owner of this XXXX which he was he acted like 2 separate. people and made me pay XXXX $ in 2 separate payments ( without tax ) and I would like to know wether I can refund this payment or not ( done through XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. Remove this account for inaccurate reporting because you reported the account number incorrectly. 
TransUnion reported account number XXXX while XXXX is reporting XXXX. This can not be correct since you are getting the information from the same place to report this. 
XXXX XXXX  XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove this account for inaccurate reporting because the date of the last payment is missing. Since TransUnion have not reported the date of the last payment it messes up two things. First, it shows does not help to indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell me when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 3. I am disputing this account for inaccurate information because TransUnion reported the date of the last activity incorrectly. 
TransUnion reported the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 4. Remove this account for inaccurate reporting because TransUnion reported the high balance incorrectly. 
TransUnion reported a high balance of {$710.00} while XXXX reported {$650.00}. This can not be correct since you are getting the information from the same place to report this. 
XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fair resolution to my request and complaint is simple. I would like an answer from Experian and XXXX XXXX XXXX XXXX why my requests and complaints have not been explained or answered over the last 5 years. That is all, just an explanation. I have requested the permissible permission to have had accessed my credit report in XX/XX/2017 but I am not requesting this at this time. I just want to know why my complaints are labeled duplicate without an explanation or submitting the permission used to have accessed my credit report. Is there something I am missing? I understand these companies have low paid people submitting programmed replies with a punch of a button. Don't let the company hide behind you but pass this to your management and let them carry the problem. The bottom line is that neither company had the right to release my report to someone other than me but they deny deny deny like their extremely overpaid 2 dollar attorney instructed them. XXXX XXXX XXXX XXXX instantly labels this as a duplicate. Perhaps Experian can do the right thing and investigate properly by requesting the permission and review THEMSELVES.
Product: Credit reporting or other personal consumer reports

Im trying to see my Equifax report from my free score now.com and Equifax has my report blocked and I need it to be unblocked Now.
Product: Mortgage

In XX/XX/XXXX, my husband and I separated.it was a struggle to pay bills and my mortgage fell behind. I tried to remodifying with the loan service company at the time, XXXX. I was offered a higher payment than when I lived with my husband. I was told that until my divorce was finalized and my ex off deed, they would assume he was still in the house.in XX/XX/XXXX my divorce was final and my ex-husband was off the deed. I also took in a boarder and was working full time.i applied for a remodification with current loan serving company, Shell point.they denied me the remodification and urged me to sell the home. I briefly put the house on the market but changed my mind  because I still have XXXX children living with me.one is XXXX   XXXX and will XXXX XXXX XXXX in XX/XX/XXXX.i tried remodifying again and my point of contact was XXXX XXXX.i worked with him from XX/XX/XXXX until XX/XX/XXXXhe constantly asking me for the same paperwork over and over again.he said that my court order child support letter and my state pension letter.were not good enough.finally he told me that we were at the finishing line.i just had to send him one more thing and they would review my application.thr next thing I knew.my account was transferred to XXXX XXXX and he was requesting all the same documents all over again.i put the house on the market and asked to do a settlement offer but that was denied as well.I am at the end of my rope.i want to remain in my home until my daughter graduates. I am also XXXX now due to XXXX XXXX.we really have nowhere to go at this point. I need she'll point to remodifying me at an amount I can afford to pay for the next year.They never really gave me the chance, just played gave with me.This company needs to be investigated and I need help.. please advise.XXXX XXXX XXXX XXXX, XXXX, ny XXXX
Product: Student loan

Navient despite saying they would put a hold on calls, are still calling my co-signers nonstop. 
They are also misrepresenting my loans. I am paying later in the month but they are paid before the payment is due for the next month. They are saying they are two months late when that is n't true. 
Harassing distressed borrowers is not helpful or ethical. 
I think they are harrassing them because I am defaulted on loans without cosigners. I have no hope so at least they could not verbally harass my cosigners and they should not lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today in regards to two accounts I have reported on my Transunion report which is reporting inaccurately. 1. XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX. The payment status for both these accounts are listed as Late 90 days this issue is that this is not accurate since it is paid off account with a XXXX  balance. 

I have notified Transunion on multiple occasions without getting responses.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account XXXX need to lose a year and a 1/2 of credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
Product: Mortgage

I had a XXXX mortgage with HFC Beneficial, I was involved in a dispute with them regarding the handling of the loan and the terms, but I had worked out a temporary solution to this and was making scheduled, agreed upon payments with them on time. I was told by them XX/XX/XXXX that they had " written off '' my loan XX/XX/XXXX ( even though I was making on time payments ), they would not give me any further information. I was contacted approximately 6 months later by XXXX XXXX XXXX saying that they were now handling the loan and demanding payment in full. When I spoke with a supervisor ( XXXX ) XX/XX/XXXX, he said my only option was to refinance my house and pay the debt off quickly so that it would n't appear on my credit. He says that even if I pay it out, it will show on my credit as a bad debt until it is completely paid off ( even if I make on time payments ). My understanding is that at the very least, they should allow me to continue to make my payments as per my original agreement with HFC. No one at HFC will talk to me about any of this because they " wrote off '' the loan. 

Some notes about the original loan : I was " Bait and Switched '' into a high interest rate and points when I took out the loan ( XX/XX/XXXX ). I was XXXX and XXXX at Beneficial in XXXX NY told us we could borrow the money for 8 %, no points, over the next weeks he put us off and crept the interest up a little, then after my daughter was born and I had been out of work for a few weeks and he knew he had us hooked and too busy to change servicers, he jacked the rate to 12 % and added the points. We should n't have accepted it, but we were stressed and I thought I could refinance it easily soon after. this did n't work out. 

When my XXXX child was born she had to be in a XXXX 2.5 hours away from our home for over a month and we financially fell apart for a few years. I worked with HFC to lower the interest rate, and got a lot of run around, but caught up with the new payment terms/plan. This agreement with them had to be renewed every 6 months, they always made this very difficult making me send in paperwork multiple times etc. 

The year the loan was " written off '' I was in contact with them regarding lowering the interest rate for the rest of the term of the loan and questioning the way they were calculating the interest, ( I have basically made no progress on principal in all this time ), they made communication extremely difficult and never addressed my concerns, I believe they passed the debt on because they knew they were in the wrong. 

I would appreciate any help you can give us with this.
Product: Credit reporting or other personal consumer reports

I have been trying to remove XXXX Bankruptcies on my credit report. Experian 's Specialties department had told me their systems had " Comingled Information. '' She filed a form and the bankruptcies were to be removed in XXXX business days. 

That was XX/XX/2024 They are still reporting today. XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a while since I sent my disputes to the bureaus. I sent a dispute to XXXX, XXXX, and Experian and still have not received a response. I believe my disputes were sent XX/XX/2020 and today is XX/XX/XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened a fraudulent account with XXXXXXXX XXXX without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I had called 3 companies to get information only on equity loans or refinance home..I made clear I am not doing either one at this time only getting information. For future ideals.

I was firm do not do hard pull to one company!!! One company asked for my social security number. The other 2 didn't ask for social and sent me info I needed to process.. tge company that got my social never sent me any info and did 2 hard pull inquiries from XXXX lowering my credit score and without my consent and with me telling them do not pull hard enquiry. 
His name info XXXX XXXX Mortgage Analyst Reliance First Capital , LLC I got his info from XXXX XXXXXXXX.I disputed thru XXXX, the didn't correct tge 2 hard pulls ... I reached out to XXXX XXXX they had no info on me... I pulled XXXX  he has numerous complaints ruining peoples credits and putting their homes in foreclosure that they refinanced thru him ... lost homes, hired attys and showed paid on time. 
This guy 's company had 8 phone numbers that just goes straight to him.. 

I never gave him or anyone permission to pull hard enquiry... .I was just trying to get knowledge on how process refinance or equity works made it clear to him I am not doing anything but getting knowledge.. 
Please help. Me get these 2 hard enquiry off my credit report with XXXX
Product: Debt collection

I disputed this error ( debt that I do not owe ) XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. This agency never responded on either dispute. They finally responded when I filed a complaint but still did not resolve this matter, claiming that they could not find the account and needed me to provide them with more information. I have provided my name, my social security number, my birthday and my address. The burden of proof is not on me. This erroneous debt is defaming my name and causing me to be denied for credit. By the laws of the finance code Sec 392 their time to respond or investigate is up. If this company needed more information they could have requested that from me when I first disputed this error. I need this deleted from my credit file immediately!
Product: Debt collection

On XXXX XXXX, XXXX my son was seen by a doctor in an emergency room for a XXXX XXXX. Both the doctor and emergency room were in service providers. A company called XXXX XXXX sent us a bill. I called my insurance company to ask if I did still owe money because all of my paperwork indicates, " Patient owes provider {$0.00}. '' I have provided this information to both XXXX XXXX and Commonwealth Financial Systems IncXXXX but the issue still has not been resolved. I have also sent a letter to both from my insurance company that states, " The correct patient liability after our payment would be {$0.00}. '' Again, the paperwork was ignored, and the situation not resolved. Despite this communication and numerous phone calls, Commonwealth continues to report this as an unpaid debt.
Product: Mortgage

Additional details and documentation attached ... 

Approximately 10 months in on a 30 year FIXED rate mortgage. The loan servicer " Ocwen Loan Servicing, LLC ''. Has informed us that they are changing / increasing the amount of our Principle & Interest payment??? 

Although a minor increase. We were informed from the start that a 30 year fixed rate mortgage is exactly that - Fixed!!! This is NOT an escrow issue ... They are increasing our interest payment. 

We feel this may be the tip of the ice burg! Ocwen services millions of loans and may have been doing this for years to millions of other borrowers! 

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

Dear TransUnion I noticed that you verified the account below : XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB
Product: Debt collection

recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of XXXX This is a violation of the FCRA and is also in violation of reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report therefore any information that is not true, accurate and verifiable is required to be removed.