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

XXXX XXXX in their 'XXXX  XXXX ' continues to show stale information that doesnt match what is shown on XXXX 's XXXX website. I have reached out to credit karma and they continue to state 'they are pulling live information from XXXX  XXXX. 

one the information they are showing is over a month and a half old two it differs from what XXXX shows in their website in every way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/XXXX about XXXX XXXX XXXX XXXX and the response from Equifax said that they deleted them all, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX credit collection account which was not accurate, they did not even mention it in their response, and as the same as XXXX credit, they added the original lender. 
In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been accurate to be removed, and their original lenders to be removed as well. 
Equifax for no reason took out of my credit score XXXX points in XX/XX/XXXX, while XXXX added XXXX, for my loan is well paid, and decreased balance. 

1. XXXX XXXX XXXX accounts 2. XXXX XXXX account 3. XXXX 4. XXXX 5. XXXX XXXX account closed in XXXX, and is being reported late monthly payments every month until today. This account was also removed due to inaurate information. 
6. XXXX popular late apyments are inacurate
Product: Student loan

XX/XX/1998 I attended XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL. A few years later the school closed and I have n't been able to find out if that school was actually closed due to fraudulent activities or not. I have student loans in which I am required to pay ; however, if the school is closed am I still responsible for these loans. Sallie Mae was my original lender. Any help would be useful. Thank you.
Product: Debt collection

On XX/XX/XXXX I received a notice of intent to collect a debt by XXXX XXXX. I previously received a phone call from them that they were attempting to collect a debt and requested they send verification of debt. They said I just needed to pay it. I repeated asked for the verification of debt and said that he could send me the judgement against me. It appeared that he was threatening that legal action had or would be taken. If legal action had been taken I thought that the court would have already sent a judgement for garnishment so at this point I thought it was a scam and hung up on the call. When I received a letter from them on XX/XX/XXXX I called again and they requested some information to verify my identity. I did not give it to them, because I still was not sure that this was not a scam. They connected with with a manager and I explained that I wanted to dispute the debt. He said that I should send in proof of settlement to dispute the debt. I asked for proof of the debt from the original creditor and he said that the original creditor was no longer in the picture. He said they had received notice that I owed the debt and I told him that I disputed the debt and asked him to send me documentation that I owed the debt and he kept telling me to send proof from the company that the debt was settled. He said in order to dispute I would need to send proof of settlement. I disconnected the call because at that point he was talking over me. 
I do n't believe the debt is valid, but I do n't have enough information to determine if it is. I did have a credit card account with the original creditor. That credit card was bought by another company, but my account never defaulted. In fact I still have the credit account. If this is the creditor I think it is it shows on my credit report as pays as agreed.
Product: Mortgage

they sent out a clean out crew XXXX times while I was living there and they stold belongings of mine I while I was at work even called the police and they caught them once
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed accounts that were opened via identity theft with servicer between XXXX to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft
Product: Mortgage

In XXXX XXXX My mortgage company advised me of a payment increase due to escrow. My previous homeowners insurance was nearly {$2500.00} per year. I refused to renew with XXXX XXXX and looked for another carrier. I received a new policy with XXXX XXXX which was approx {$950.00} per year. I contacted US Bank and advised the escrow department and asked for a updated escrow analysis and payment adjustment. I followed up and spoke to an individual who indicated that I should pay {$1100.00} per month going forward. Starting in XXXX I started to submit payments in the amount of {$1100.00} as instructed starting in XXXX. However the bank continued to reflect the amount due as {$1300.00}. Full payments were not applied since I was submitting {$1100.00}. I was advised that there was a payment that was made in XXXX which applied to XXXX, which the bank is saying they never received and then two payments were posted on XXXX XXXX, XXXX. I am active Bankruptcy and today received a motion for relief based on a affidavit signed by bank personal that as of XXXX/XXXX/XXXX my account was delinquent as I missed three post petition payments they claimed. How can payments be received on the same and an employee sign an affidavit they have not received them. This is a false affidavit to the court. Furthermore the Attorney Firm contracted by the court, failed to validate the affidavit information when submitting the petition to the court on XXXX/XXXX/XXXX over a week since payments posted to the account. I will be vigorously defending this petition in the Bankruptcy Court but believe that these practices by US BANK NA be fully investigated so that they are not able to victimize any other borrowers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the ongoing inclusion of inaccurate public records information on my credit report, which I have been unable to resolve despite multiple attempts to have the information removed. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must validate the accuracy of information on an individual 's credit report. 

Over the past several months, I have contacted XXXX and Experian numerous times, requesting the removal of inaccurate public records information from my credit report. However, my efforts have been unsuccessful. 

The inaccurate information in question appears to have been obtained by the credit bureaus through the XXXX XXXX XXXX XXXX XXXX XXXX ( PACER ) system. I have confirmed that the Bankruptcy XXXX has no interaction with these credit bureaus, nor do they have control over what the credit bureaus do with the information they obtain through PACER. In fact, I contacted the Bankruptcy XXXX to confirm whether they had validated the public records information listed on my credit report. In response, the court provided a letter dated XX/XX/XXXX, stating that they do not have contact with or jurisdiction over credit reporting agencies. 

Since the information obtained from PACER can not be validated or verified by the Bankruptcy XXXX, it does not comply with the FCRA 's requirements for accuracy. Despite this, the credit bureaus continue to report this information on my credit report. I have made numerous requests, including a recent submission on XX/XX/XXXX, asking that this public records information be removed due to its unverifiable nature. 

Given XXXX 's and Experian 's refusal to comply with my requests, I am seeking the CFPB 's assistance in enforcing the FCRA and ensuring that the inaccurate information is removed from my credit report.
Product: Debt collection

Did not recieve a letter pertaining or verifying legal medical debt after multiple requests. I would like this debt removed from my credit report under the Final Rule action
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have 70 inquires on my XXXX credit score and 40 on my XXXX 50 On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted
Product: Student loan

Earnest overcharged me by {$370.00} on XX/XX/XXXX. This was after repeated back and forth to try to customize the amount I would pay ( I wanted to pay off my loan on an accelerated schedule ). 

I asked XX/XX/XXXX and received confirmation on XX/XX/XXXX that I would be charged the monthly minimum gong forward starting with the next payment on XX/XX/XXXX. I was billed twice that day, once for monthly min. of {$730.00}, then the additional charge of {$370.00}. 

This was after months of aggravating back and forth with their support team. Not blaming the support team so much as a lack of proper investment by management in their systems ; it's a highly antiquated system they force on their customers that lacks even basic features like same day verification of payments being received, or an ability to set auto-payments in a specific amount ( the amount must be coordinated through support, which can't take any action with less than about three weeks notice - yet they are dependent on you adjusting the payment schedule from bi-weekly to monthly ... which almost guarantees a misalignment if you desire to adjust the payment amount and cadence at the same time! ) I would have long ago abandoned their auto-pay ... yet they force this to obtain the lowest interest rate ... and then make it nearly impossible to manage. 

In my opinion, it's an egregious failure to provide a basic level of service to enable customer to pay what they want, when they want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to CAPITAL ONE LLC for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I noticed a company called XXXX XXXX XXXX show up on my credit reports. I immediately disputed it in which naturally all the bureaus didnt investigate at all. 

I then contacted the creditor and they explained that they didnt have anything about me and agreed to submit a deletion to the credit bureaus. Only XXXX deleted it. 

Since then in multiple phone calls, emails and disputes, TRANSUNION AND XXXX  REFUSE to delete it even though I have a copy of the deletion draft sent to each bureau. I intend to sue if its not deleted within 15 days from this communication. 

Its affecting my ability to close my construction loan into a conventional loan. This is completely unacceptable. I have real damages here.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX2017- So I am wanting to take my virtual currency and transfer it to my wallet on my computer and save it there to where it is safe and when I do this it says I do n't have enough to transfer cause they wan na charge a network fee here is a screenshot of the transaction that I want done ... 




I have attached a pic of me trying to get my currency to be transferred to my Bitcoin wallet on my computer.. 



I put in {$20.00} with my bank and they say I wo n't get that for 5 to 7 days.. 

I also put in {$20.00} with my debit card I lost {$4.00} since I have had my currency in the market.. I want to now take what I have left and to put into my bitcoin wallet on my computer and this is the result they are robbing people ... If I had {$33.00} as you can see is {$18.00} for just a network fee.. This is absurd I want to take my money out!! So I now I will have no choice but to try to get my money back into my bank account which they will charge another {$1.00} fee so basically when it is all said and done they have robbed me and I just wan na get what I have left I am done with doing business with this company! But from what my friend says this is the only way to get my money into currency to trade with all the other cryptocurrencies there has to be other companies that wo n't XXXX us.
Product: Credit reporting or other personal consumer reports

I have tried and tried to have these negative items removed from my credit report to no avail. This company is illegally reporting information on my personal credit reports without justification or consent. They are required to remove all inaccurate, false reporting, and outdated items from my reports and that has not been done. Furthermore my privacy rights are being violated, my character is being defamed, and no one has ever obtained my permission to any of these things. I do and have not consented to these proceedings. 

The following information is being inaccurately reported on my files and I'd like to have them all removed! 

Late Payments Need to be removed : XXXX  for XXXX XXXX XXXX for XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX  for {$340.00}, XXXX XXXX XXXX for {$370.00}, XXXX for {$2500.00}, XXXX for {$1600.00}, XXXX for {$300.00}, XXXX for {$520.00}, XXXX for {$500.00}, XXXX for {$1000.00}, XXXX for {$150.00} Accounts : XXXX XXXX for {$1200.00}, XXXX XXXX for {$820.00}, XXXX for {$800.00}, XXXX XXXXXXXX for {$0.00} reporting, XXXX for {$660.00}, XXXX for {$620.00} XXXX XXXX for {$770.00},
Product: Debt collection

In XX/XX/XXXX I lived in XXXX XXXX. Beginning in XX/XX/XXXX, I started seeing wasps in my apartment. From XX/XX/XXXX through XX/XX/XXXX I made constant reports. Initially they only sprayed bug spray around the building. Then they brought in professionals. The professionals came out three times and each time they found more and more wasps nests. Several times throughout this period I had no choice but to inconvenience myself and family by staying at their house or not leave my bedroom into the rest of the home due to so many wasps. At this time I was paying rent for an apartment I was pretty much not living in.They offered to move me into another apartment but I would have had to stay in mine for another month because they would only move me into an apartment the same size instead of what was available. At this time my son was six years old and to keep my son safe I had to move and I did it as quickly as possible since I had been dealing with the wasps for almost three months at that time. XXXX violated my lease by their failure to provide a safe and comfortable environment as stated in my lease. On the day I left I gave them a letter detailing everything in this letter to explain my decision to.
Product: Money transfer, virtual currency, or money service

$ I made several payments for a vehicle via Cash App, but the dealer never processed the paper work for the title and tags. I attempted to request a refund in the amount of {$700.00}, of the {$8200.00} paid, from Cash App. The request was not sent to the dealer, but denied by Cash App.
Product: Debt collection

I wrote the company a debt validation letter requesting proof of debt owed to original creditor as I never had a contract with this collector. I never received notification of the debt amount owed or a response to the letter I submitted
Product: Vehicle loan or lease

In XX/XX/XXXX, USAA issued me a Form XXXX in the amount of {$2400.00}, in which they relinquished their rights to collect on a default loan against a XXXX XXXX XXXX. In XX/XX/XXXX, I paid taxes on the Form XXXX. When I contact USAA to request the title for the vehicle I was told that, even though they voluntarily give up the right to collect against the loan, they would not send me the title. USAA claims they still have a interest in the vehicle, even though I 've paid the taxes and that a new Form XXXX would not be amended even if I paid any amount towards the vehicle. <P/>I feel that the lien on the title should be released and issued to me.
Product: Mortgage

I have been complaining to the cfpb ... ..you guys ... .for years ... .XXXX??? You guys have been closing out all my complaints ... .i have disputed them all ... and you have them closed out because ocwen sent you their paperwork??? Seriously??? My home has been foreclosed upon ... i have been complaining to the cfpb for years ... .and you guys close my complaints???? Like ocwen has made things right with the paperwork they choose to give you!!! Ludicrous!!!!
Product: Money transfer, virtual currency, or money service

Noticed on my XX/XX/2019 credit card statement, that on XX/XX/2019, a payment was made for {$14.00} to something called XXXX   via Paypal. 
The phone number listed with the transaction was something generic like the paypal main number. I did call the number, but the person I spoke with seemed to have some trouble with basic English, so it seemed suspicious. Called my credit card company and asked them to make an inquiry to paypal about this. 
Paypal never responded. The credit card company eventually gave me a credit for {$14.00}. 
A month later I got a call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ), asking me why I had cancelled a payment to them. Well, if it was something for the XXXX, I guess I am down for that, so I called my credit card company and say that I wanted the previously refunded {$14.00} charge to do through, which they the card company agreed to. 
A month or two later, the XXXX told me that they never got their money, and that paypal had charged them a {$20.00} fee for a cancelled transaction. I called paypal and spoke to another suspicious sounding person who seemed to have trouble with English and managed ( after about an hour ) to express that I would like the charges to go through to the XXXX. I had to supply letters from the credit card company stating that I gave up my right to my {$14.00} transaction refund, which took another 30 minutes. 
After all that, the XXXX never got their {$20.00} back from paypal and neither the XXXX nor I got the {$14.00}. So, I am out {$34.00} for nothing. And paypal never even transferred the money. This is basically theft. 
I complained to the XXXX  XXXX XXXX  and youll never guess like a month or two later someone got back to me and basically summarized my complaint back to me as a response. I followed up on this and like a month later, I got a reply telling me that no one was getting the {$20.00} back. ( Too bad, so sorry, I guess. ) And, still no one got the original {$14.00}. Theft. Just theft.
Product: Credit card

I went to a Chase bank located in XXXX XXXX NY on XXXX XXXX XXXX and the rep asked me if I had a chase credit card. She advised me of a 0 % credit card for 18 months that I would qualify for. It is the Chase freedome card. I applied on the spot and got a large credit. What the rep did not disclose was that Chase does not offer you the option to pay greater than the minium amount via automated bill pay. You get XXXX options either pay the minium amount or pay the full amount. This is defrauding the consumer as it forces you into a balloon payment at the end if you can only pay the required minimum payment. I called Chase they confirmed that they only offer minimum payment via auto pay or you can go in monthly and pay greater than the minimum amount. This is not standard payment policy because if you have a credit card with Chase that has an interest rate charge you can pay more than the minimum payment via auto pay. Chase in this case is offering 0 % credit cards but not allowing you to pay greater than the minimum in an automated fasion. This is not disclosed at the time of offer or is it disclosed on the statements either. Please advise whether Chase has the right to change its payment options on different products and if so, are they not supposed to disclose this information?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXXdue to the timing of payments