23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX  - Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/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

XXXX ; Experian and XXXX are reporting incorrectly medical collections on my credit report. ( Please see the attached spreadsheet outlining each account. ) These medical bills were on behalf of my daughter who has Medicaid. I gave each provider my daughters Medicaid card account information for billing purposes, however, the providers never submitted the appropriate paperwork to Medicaid and consequently the outstanding balances for my daughters medical bills has now attached to my credit report and consequently has become a collection. ( Please see pages 2, 3, and 4 of the attached credit report along with a copy of my daughters Medicaid card. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Product: Mortgage

XX/XX/2019-I filed a loan modification because my mortgage went up about XXXX extra a month. ( XXXX a month ) I was put on a loan modification, which put a 2nd lien on my mortgage if XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED XXXX XXXX AND EXPERIAN IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

Bank of america allowed a bank account to be opened in my name. I called and they stated there was no add'l account but i had several emails stating it was opened online. In the weeks prior to the account being opened, i received fraudulent charges and the bank of america representative was not helpful in helping me with my issues. I asked why this kept happening to me and how it was an inconvenience to have to continuously change my debit cards, they had no response and no way to assure me the account or my information was safe. Unfortunately, a bank account was opened and i received no guidance, I had to call back a few weeks later due to the fact I received a statement for said account and the representative i spoke to advised me to file a police report because they could not be sure if my information was indeed secure. 

Also BOA has been the absolute worse at NSF, they WOULD OVER CHARGE AND CONTINUOUSLY CHARGE FEES.
Product: Mortgage

I have been working with Caliber home loans since XX/XX/XXXX in trying to obtain a loan modification. I have submit every single document that has been requested since my initial submission. I have received mailings on multiple occasions stating that my loan modification packet was complete and going to underwriting for review. Shortly after I would receive requests for additional information. After complying with all of the requests, the file was never decisioned. I was told I had to resubmit everything because the documents expired. This went on for 16 months straight. All the while I was in the XXXX County Foreclosure Mediation Program. Finally when the mediators set the case for a formal hearing on XX/XX/XXXX. Right before the formal hearing I finally received a decision letter. The loan modification was denied and I was denied all home retention options as my arrearages grew larger than FHA 's partial claim would allow. Caliber is at fault for neglecting to review my complete applications timely. I was prepared to begin making mortgage payments again as soon as the first application was submit. I am so disappointed in the actions of this servicer. Due to the length of time they wasted, I am now in close danger of losing my home to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX CT XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

During my enrollment at XXXX XXXX, I was informed by the school financial consultant and admissions counselors that my tuition would be covered under my federal and private student loans. Prior to dropping out, I began making payments on my student loans. Afterwards, I was under the impression that any sum or money owed to the school was covered under my loans, and I continue paying them on a monthly basis. Currently, I'm still paying off my federal and private student loans. Earlier this month ( XXXX ) I checked my credit reporting account and noticed that a sum of around {$2500.00} was sent to collections ( XXXX XXXX XXXX ) from the school back in XX/XX/2017. When the sum was transferred to the debt collector, I was not notified in any way that I owed this debt or that it was transferred at all. I have formally filed a dispute with 2 credit reporting agencies and I have also filed a borrower defense discharge application with the Department of Education. After the disputes were filed, I have finally received a notice about the debt today, XX/XX/XXXX, demanding the amount in full or to sign up for a 12 month payment plan. I find it very unprofessional that the school openly lied to me about their financial practices and that the debt collector didn't inform me until 6 months after the debt was transferred.
Product: Credit card or prepaid card

I have a pill grant of {$6800.00} from XXXX. When I received the student card from the bank, I learned that another person opened an account before and took the student loan. When I spoke to the bank, it closed my account and told me the bank refused to send a credit card. After approval, he refused and asked me to give him another bank account number. Or sending money, a check for the money granted XXXX $ for each semester, after the end of each semester, I asked them where is the rest of my money and why did they not send me a prepaid card, and after a short period of time someone opened a personal account from the bank account requesting a loan and a credit card. I informed the bank and they closed the card twice, but they sent me {$430.00} only And {$6800.00} I have money left over from the grant, {$860.00} Knowing that I am permanently residing in the state of California, studying and working, and I have an American citizenship, the college says that I am not a legal resident to withdraw the scholarship money.
Product: Mortgage

We made a payment in XXXX for the XXXX payment to LenderLive via our bank draft. An automated payment was already scheduled so they received XXXX checks. Both were cashed. We realized this and called in XXXX to confirm the XXXX payment went toward XXXX due date. It was confirmed the XXXX payment was taken care of, the next payment due would be XXXX XXXX and we would receive a statement reflecting this. 
We did receive a statement and she was correct. So we set up our XXXX payment. 
On XXXX & XXXX, we began getting calls to ask why our XXXX payment was late. I reviewed the above with the representative and they indicated our payment was " reversed. '' I told them no one informed us of any " reversal '' and this went against the previous info we had received both verbally and in writing. Then I asked where our money was. They could not tell me why it was reversed or where our money was. 
They had to open a ticket to research, with resolution in 24-48 hours. We have received several more mailings, including a new statement showing XXXX payments due, and Past due notices including late fees and urgency. 
The other representatives calling do not even check the notes as we 've received several calls in that same time period to collect this balance " due '' AFTER the Dispute ticket was opened. 
We need to know where our money is and how to get it reapplied to the XXXX payment as they had done originally and confirmed with us. If this can not be done, we will pay the XXXX payment again ONLY once we receive these funds back to our originating account. Further, we need any late notices, or fees to be removed from this account. I have all documentation and summaries of phone calls. 
Our XXXX payment is already scheduled regardless of above outcome. 
Lenderlive representatives have been very polite once they realize their company has contradicted information provided to us the borrowers, but this company 's record keeping and practices is not acceptable. 
Our originating mortgage broker sold this mortgage within a month. LenderLive should not be included in the pool of mortgage companies to transfer accounts too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX and Experian. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 card

I got a notice about my Synchrony Lowe 's Credit Card, with my monthly statement this month, that said " Starting within the next 60 days, a {$1.00} paper statement fee will be charged to your account each month you are sent a paper billing statement with a balance greater than {$2.00} ( even if one is also provided to you in electronic form ). You can avoid this fee if you set up paperless statements and are sent your statement only in electronic form. '' My question is this : How is that legal? Doesn't that violate the Card Act? 

The Card Act says that consumers must have access to their statements, and those statements must show their interest rate and how long it will take to pay off their statement paying only the minimum monthly payment. If I log into my online portal through my Synchrony Lowe 's Credit Card the Account summary only shows my balance. It does NOT show my interest or how long it will take me to pay off my card. In order to get to my online statement I have to click in several places to even see that. And I know my login and have a computer. What about someone who isn't computer literate or who doesn't have a computer? Are they even able to get to their statement online? What about through their app? Can you even see a statement through their app? 

Postage, paper and an envelop do not cost {$1.00}. A regular stamp costs around {$0.00} right now, and paper if bought it bulk- which I assume Synchrony does, costs less than a XXXX a page ( {$0.00} ). 

This to me seems like a way for Synchrony to be less transparent with consumers, more predatory and give consumers less information and fewer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PAYMENT HISTORY FOR THE FOLLOWING ACCOUNTS ARE INCORRECT : XXXX. XXXX XXXX XXXX / XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was passed in 1970 by the U.S. Congress to promote accuracy, fairness, and the privacy of personal information found in credit reports. Also, 15 U.S.C 1681 section 602 States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Covid 19 CARES ACT clearly states mortgage servicer 's are required to provide 180 days mortgage payment relief and another 180 days mortgage payment upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES ACT mortgage relief from SLS Loan Servicing was given 90 forbearance period with balloon payment due at the end of the 90 day forbearance period ending on XX/XX/2020. On XX/XX/2020 sent certified letter to SLS Loan Servicing to advise Covid 19 CARES ACT mortgage relief requirement and request 1 year mortgage payment relief. SLS Loan Servicing has not authorized my request.
Product: Payday loan, title loan, personal loan, or advance loan

A fraudulent loan was taken out from my bank, Navy Federal Credit Union, in my name on XX/XX/2023 in the amount of {$7000.00}. I spoke to someone in the fraud investigation department, and they said I would know more information about the status and outcome of the investigation in a few days. I called back several times to check on the status and details of the investigation. There were no notes in my account that any other representative could see regarding the conversation I had with the fraud investigator, so no one I spoke to had any knowledge of or any information about the fraudulent loan. I still dont know the status and details of the investigation. The account is being reported on all of my credit reports and accruing interest. The first payment is due next month. The is one of my worst nightmares.
Product: Mortgage

Thank you for assisting with this issue. Each year, I receive a notice from my mortgage company stating that my escrow account has a shortage. I paid it one year and each year I receive the same notice. I 've already contacted the XXXX county tax and assessment and was told nothing has changed far as property value and the home insurance has not increased. At this point, it is very frustrating and has caused a great amount of XXXX. Also, I received a letter stating the my PMI will be terminated and to date I 'm still paying for that. I call the mortgage company and get placed on hold for long periods of time until I ca n't hold on any longer. I call back and get placed on hold again. I need some help with this and a resolution to the issues described in this complaint. How can the escrow be short each year? Do you I need to contact the United States Congress and the media to shed some light to this situation? This could be happening to several other tax paying citizens. This is horrible and unacceptable. I never pay my mortgage late and to be treated this way is unacceptable. Please help! The name of the mortgage company is Ditech and it use to be GreenTree Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to violate my federally protected right to ensure an accurate credit report per Dodd Frank Act, FCRA, California Consumer Protection laws, UDAAP, and United States Codes.

15 USC 1681e ( b ) which states that credit reporting agencies are to ensure an ACCURATE credit report. TRANSUNION prevented me from disputing inaccurate balances on the following accounts : 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 These accounts DO NOT include the correct dollar amount WITH the cents. TRANSUNION continues to negligently and recklessly report inaccurate account balances on my credit report. TRANSUNION refused to allow me to dispute these accounts online to ensure that these disputes were entered into the e-Oscar and metro2 systems. TRANSUNION has lowered my FICO credit score which has caused me damages by being denied credit that I may have otherwise qualified for had these inaccuracies not negatively impacted my FICO credit score. TRANSUNION continues to put me at risk of FURTHER exploitation and victimization by refusing to sufficiently investigating these inaccuracies on my credit report. TRANSUNION continues to send ARTIFICIAL INTELLIGENCE ( AI ) generated responses to my complaints and FAIL TO ADEQUATELY address and correct credit inaccuracies on my credit report AND in my credit file causing me damages and preventing me from obtaining sufficient credit approvals with potential credit offering companies which I need to gain access to an improved quality of life and livelihood. TRANSUNION 's has violated the Privacy Act of 1974, Regulation V, and the Trafficking Victims Protection Act ( TVPA ) by continuing to report inaccurate and nonmailable addresses on my credit report and credit file. TRANSUNION is also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the exclusions to the consumer credit report and states in part that transaction history and experiences are to be excluded from the consumer credit report which TRANSUNION continues to refuse to do. I sent TRANSUNION no less than FOUR ( 4 ) letters and called approximately FIVE ( 5 ) times to have the inaccurate and nonmailable addresses removed, yet TRANSUNION refuses to comply. TRANSUNION would not provide the specific documentation of federal law that allows them to continue to report these inaccuracies and the process TRANSUNION uses to justify their inaction. TRANSUNION refuses to produce such documentation. Thus, TRANSUNION negligently and recklessly persists in exposing me to further exploitation and harm by continuing in their practices in further violation of the Acts, laws, codes and regulations to protect consumers from these negative practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, XXXX, and Equifax. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this dept recovery solutions got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also google this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX  and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.
Product: Credit card

I contacted Best Buy XXXXXXXX XXXX  about setting up a payment plan because the amount requested monthly is extremely too high for me to be able to afford. When I have called 3 times ; the representatives are very nasty and would not allow me to set up an affordable amount. The interest rate is steadily climbing each month and it is worsening my credit score.
Product: Debt collection

The company XXXX XXXX text me on XX/XX/year> at XXXX am about a debt owed by someone else named XXXX. This is not my name or my debt. This company violated my rights and now they have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Record type : Public Record : XXXX XXXX  bankruptcy dismissed ; Reference number : XXXX, Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX ; Account number : XXXX, Credit Bureau : XXXX Account Name : XXXX ; Account number : 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 an account without my written instructions.