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

In accordance with the Fair Credit Reporting Act ( FCRA ), the inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

If you look at all my accounts never late and this payment was made on time XX/XX/XXXXXX/XX/XXXX but XXXX XXXX company is est and it slipped my memory and I have been trying to reach a supervisor and can not get thru to talk with one to try and correct this issue. I have had XXXX late payment over the last XXXX to XX/XX/XXXXyears
Product: Student loan

I sent fedloan the below email on XX/XX/XXXX to check on my PSLF certification submitted in XXXX. Payments did not look correct, so I had two specific questions. But the agent who responded did not answer either of them, and I keep asking for a response to no avail. I have been waiting 17 days for a response. 

Here is the email with my specific questions about XXXX counts : I recently received your notice about PSLF Qualifying Payments update, but it seems incorrect. Can you review? 

Specifically, I see that I am only given credit for 51 months of qualifying payments, but the number should be closer to XXXX months. I've been employed by a qualifying employer and enrolled in XXXX since XX/XX/XXXX. Do the {$0.00} payments during Covid count toward forgiveness? My qualifying months should include every month since XX/XX/XXXX, through the date the form was signed in XX/XX/XXXX. 
This is the case for virtually all of the loans on account # XXXX, loan XXXX. 

Additionally, I recently consolidated some stafford loans into a direct loan. They're currently showing 0 months qualifying. Can/will that be updated? Under the temporary expanded criteria, past payments should count towards forgiveness. 
This is for loan numbers XXXX and XXXX. 

Thank you, XXXX XXXX
Product: Debt collection

This person has called repeatedly ( at least XXXX times ) without leaving a message. When I finally answered the phone today, the person stated that they were a debt collector collecting for a mutual client, and proceeded to try to give me my date of birth, as if verifying. When I asked who their client was, the person tried to give me my date of birth again. When I asked a second time who their client was, the person stated, " I must inform you that if I indulge [ XXXX ] that information ... '', whereupon I hung up and blocked the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw an inquiry from a financial institution that I have never used ; and I have never applied for any products. There is a hard inquiry from this on my transunion credit report and they refuse to remove or even properly investigate the issue. 

XX/XX/2023 is when in noticed the inquiry and reached out to transunion.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for and was approved for a {$500.00} line of credit through Minto Money. I had a financial emergency and needed quick access to money, but had limited options due to my credit history. 

While I was aware that I'd be paying high interest, I want to report this company for their predatory lending and astronomical interest rate. 

My {$500.00} loan carries a 463.16 % interest rate. My payments have been {$100.00} biweekly. If continue paying via this current pay schedule, I'd be making those payments until XX/XX/XXXX, paying a total {$3200.00}. Seriously??? I understand changing higher interest, but this is just exploitative. 

I have the option to pay the off the loan in full today for {$500.00}, which I'll be doing. However, I'm concerned for other people with poor credit who need emergency funds and have nowhere to turn other than to predatory lenders like these.
Product: Credit card

I placed an order for a hoverboard for my son on XX/XX/XXXX. When I received the confirmation email from XXXX, it did n't look quite right. So I searched them, and found them to not be a reliable company that charges but does n't ship the merchandise. I immediately, called Chase and told them not to authorize the charge and why. Two days later, they let the charge go through. After numerous emails with XXXX, I finally received an email XX/XX/XXXX from XXXX, that they were refunding my account. I waited and still did not receive it. I contacted Chase to file a dispute. They have continued to give me the run around. I sent them all emails, documents and they said they did n't see anything to dispute. 
I was charged {$260.00} for a hoverboard that I did not receive. To me that is problem. Chase has continued to ignore and not investigate my dispute.
Product: Debt collection

XXXX XXXX XXXX  say they are XXXX XXXX XXXX XXXX is on my credit report all three of them ( XXXX, XXXX XXXX ) saying that i have an open balance of XXXX and no one can give me the exact date the debt the breakdown of the debt of whats owed line by line or any of the contract information. Now theres this other company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) who has a company called Dynamic Recovery calling and texting me.. 

Also, XXXX currently with XXXX as my cell phone company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please view attachment below
Product: Credit card or prepaid card

it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Product: Checking or savings account

On XX/XX/XXXX I reached out to a clean company that done work in my house in the past I spoke with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is the own she text me she would be available on XX/XX/XXXX at XXXX she kept text me she running late XXXX & XXXX showed up at XXXX XX/XX/XXXX I paid cash {$210.00} plus {$18.00} tip for her worker for cleaning my kitchen and 2 bathrooms they left at XXXX ; XXXX XXXX  in the XXXX  we noticed a check was pending after looking in my check book I left in kitchen we notice the same # check XXXX was missing out of my book we called Wells Fargo right away the told us it fraud and not legal to stop the check I had to close my account we did and on XX/XX/XXXX we notice the same check was resubmitted and cleared a check on a close account to my new account, we also called XXXX XXXX sheriff for theft stealing a check I didnt Authroized. The bank said they dont know what happened the person I asked not to make any contact with me. I want to know after the bank told me I am not responsible for this clearly I am I am on a fixed income XXXX is a lot for my house hold so sick over this
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the alleged debt with the debt buyer by the name of XXXX management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of XXXX is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. 
XXXX management or XXXX are both reporting to Experian and XXXX  under different names, both names of business are non compliant to do business in Georgia. 
Also, they are reporting an open account on a charged off Item.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I've been on ssdi since XXXX after a XXXX XXXXXXXX. Absolute Resolutions Investments , LLC [ XXXXXXXX XXXX XXXX XXXX representing ] purchased an old credit card debt from XXXX. Advised them I'm on ssdi, they proceeded to sue me anyway. judgement and plaintiff violate ssi/ssdi law and fair debt collections practices act [ knowingly ]. 

XX/XX/XXXX Cause no. XXXX XXXX XXXX, IN CIRCUIT COURT. 
motion to dismiss denied and default judgement ordered in the amount of {$7300.00}. 

XX/XX/XXXX motion to set aside denied at hearing. Advised judge and plaintiff of federal law violations. 

Judgement for plaintiff and profit from defendant 's misfortune and XXXX raise definite ethics concerns along with violating federal laws.
Product: Mortgage

On XX/XX/2021, I sold a house and the private lender was paid in full on XX/XX/2021. 
However, the company, XXXX XXXX XXXX and its Servicing company, Fay Servicing failed to record the Cancellation of Security Deed until XX/XX/2021. 

I received a letter from Fay Servicing , LLC ON XX/XX/2021 to inform me my right to demand {$500.00} in damages due to their failure in the event a copy of my Satisfactory/Release/Discharge/Reconveyance was not provided to XXXX XXXX recorder within 60 days of payoff. 

I have since wrote them XXXX times, email the company XXXX times, contacted the company by phone XXXX times and it appeared that the company is as evil as it can be. 

The excuse I received by email was that on the date of the closing, the mortgage was sold to another bank, which Fay Serving did not send me any notice in writing of such event, nor did XXXX XXXX XXXX. 

I would like to file a consumer complaint for their shady practices and to pursue the damages entitled to me. 
And I would like to know if there are other victims from doing business with these XXXX companies for potential XXXX XXXX lawsuit, Thnak you for your time and assistance.
Product: Mortgage

We have faxed our insurance information to the mortgage company twice. They continue to claim they have not received the information and threaten to buy insurance for us.
Product: Credit card or prepaid card

My purse was stolen on XX/XX/XXXX along with all of my credit cards. A CFPB complaint was filed by me and HSBC stated that a credit would be made to my account by XX/XX/XXXX. I have called the Fraud Dept. in XXXX on numerous occasions and they say that the account is still being investigated. I asked to have a Supervisor call me back. Nobody called me back. This is a crime shop. How does the Fraud Dept. not know that a letter from HSBC was sent to the CFPB stating that my claim was accepted as fraud and a credit would be made to my account by XX/XX/XXXX. They have denied purchases, failed to credit me back the money, lied to the CFPB and me and have a Fraud Dept. located in XXXX that is Clueless in XXXX. The CFPB better start investigating the banks for fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent as the consumer/ natural person and my privacy was violated. This is harassment deceit, coercion, and intimidation. 15 usc 1681 a state 's communication of that information among persons related by common ownership or affiliated by corporate control. Communicaton of other information among persons related by common ownership or affiliated with corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

In

accordance with the Fair Credit Reporting Ac t. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the case of all three credit reporting agencies ( Experian, XXXX, and XXXX  ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.
Product: Mortgage

Round point mortgage servicing corporation filed false Annual tax interest statement year 2016 escrow reconciliation principal balance Homebase HUD corporate responsibility to Post property and Casualty survey that XXXX XXXX XXXX errors of Louisiana Department Of insurance missing NAIC lost insurance policies on XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mailing Transcripts and transfer mailing address XXXX XXXX XXXX XXXX , Louisiana XXXX covering Office of motor vehicle inspection Re : Installment Agreement White collar crimes Special investigations commissioners Louisiana police State bureau and Industry access Update members profiles XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX XXXX address XXXX  XXXX XXXX XXXX , Louisiana XXXXburden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor , Office of the Chief Information Officer, Attention : Departmental, La-Hire CareerOneStop Heavy Civil Clearance Housing Feedback Career one stop Annual Update Backrounds Of XXXX XXXX XXXX and wife XXXX XXXX XXXX both are eligible to The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to twelve workweeks of leave in a 12-month period for : FTC bureaus See and check ALL 3 reports with credit scores.Annual quarterly, daily weekly data systems updates Re : Installment Agreement Louisiana state licensing and Homebuyers Home choice Builders registrations Sunrise Louisiana new Housing developments Louisiana leevee Boards state regulators Help NAIC and federal grand juries Resolution resolve now for XXXX XXXX XXXX And wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Louisiana XXXX Mail transfer XXXX XXXX XXXX XXXX , Louisiana XXXX Calling all independent sales organizations, brokers, and agents! XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX   Structured Settlement/Annuity Payments Official Lump Sum of Cash Sent from my XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX I called to get the payoff and was quoted {$7100.00}, which I paid that day. It was withdrawn from my bank accounts on XXXX. Today ( XX/XX/25 ) I got a new statement claiming I owed additional interest of {$82.00} and denied that the pay off amount given on the phone was correct, but it matched the online portal. I was told today they had no record of my call and insisted I still owed another {$82.00}. I paid the {$82.00} to avoid the impact to my credit they threatened.
Product: Debt collection

I have disputed numerous times to have this account removed. They never provided me with the verification I requested. I filed a complaint with XXXX XXXX XXXX account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a 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. Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX - P.O. Box XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/XXXX to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Financial XXXX cars. 
I wrote a 2nd request on XX/XX/XXXX and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Product: Credit card or prepaid card

I went online and selected the option to pay the balance in full on all 4 cards and now Im getting statements saying I still owe them money. I talked to supervisors XXXX ( XXXX ) and XXXX ( XXXX ) who stated the only place it says that when paying that amount is on the back of a statement. Which would be fine, but I chose to pay the cards off but when I did so it did say this doesnt include daily interest it just let me pay the balance in full.
Product: Mortgage

My husband and I have been trying for years to refinance our home mortgage. Wells Fargo, the lender, XXXX mortgage owns the loan. We bought our home in XXXX, have not missed a payment + we have great credit scores. Currently, our home value is less than what we paid for. Wells Fargo wo n't lower the loan to the current property value, unless we 're in a hardship! Wells Fargo just sends letters with XXXX numbers, so they can give you the run around and pass you off to other staff until you get frustrated and hang out. 
Meanwhile, we 're busy and do n't have time for this. Perfect scam. Why would they help!?!?