23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am working with XXXX XXXX to purchase my loan from Gregory Funding but this is being prevented because of the past due balance that Gregory Funding keeps showing on my account. The rules of my Forbearance agreement with XXXX XXXX specifically stated that I would not be charged any fees while I was in the program. The loan was purchased by Gregory Funding from XXXX. I have no problem paying the {$7600.00} of my past due payment. But I should not be charged the XXXX in past due fees and charges that Gregory Funding is trying to charge me because as I stated before I was in the Forbearance program. I have called Gregory Funding XXXX  times and waited on hold for hours and the reps can not even justify what these charges are for. They just keep telling me to send an email and I never received a response. Now I have just been told my home insurance company that Gregory Funding has not even paid my home insurance since my loan has been transferred to them and now XXXX insurance is asking for XXXX immediately or my policy is being cancelled. I have the checked with the XXXX and I have read countless claims against Gregory Funding with people having the exact same complaints!
Product: Payday loan, title loan, or personal loan

Dear Sir or Madam, I did not receive my student loan for XX/XX/XXXX8. I received checks in the mail that said sign it and the money is yours. I was in a rough spot and still am but I needed the money to keep going to school. I have contacted the loan institutions and asked for a lower payment and interest charge. They ( XXXX and XXXX XXXX ) are currently charging me 48 % and 79 % interest, respectively. 
They will not budge. They offer to let me borrow more money to pay the loan but that will not help. They are only sending out these checks to poor neighborhoods. 
I do not know if there is anything I can do but feel it should be reported as predatory lending practices. 

XXXX XXXX - {$1900.00} loan ( 48 % interest ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX & XXXX XXXX ( {$920.00} loan - 79 % interest ) https : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX For the record I have contacted all other reputable credit card companies and they have worked with me to reduce my payments and interest temporarily. None of them had the high interest rate that comes close to the two companies above but they were all willing to work with me to help me resolve my debt problem. 

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

Subject : Formal Complaint Against ELAN Financial Services for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against ELAN Financial Services ( `` ELAN '' ) for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by ELAN have caused significant damage to my credit rating and have hindered my ability to obtain credit.

Background : Account Closure Without Sufficient Proof : ELAN Financial Services closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions.

Incorrect Reporting to Credit Bureaus : ELAN Financial Services reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating.

Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. ELAN 's failure to notify me of the account closure constitutes a violation of this provision.

Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. ELAN 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations.

Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. ELAN may be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Product: Credit reporting or other personal consumer reports

Information on the credit report file has consistently been inaccurate and even sometimes false completely and has not complied with requests to correct and desist use of my personal information. I have never consented to any of my personal and private info to be shared and it is outright fraud to Profit from it or to share or display my personal details in the public
Product: Debt collection

I have been contacted numerous times by IQ Data International , Inc., a debt collection firm ( " IQ Data '' ), concerning a purported debt that I have no legal liability or responsibility for whatsoever. IQ Data is unlawfully attempting to collect a debt from me that I do not owe in violation of the Fair Debt Collection Practices Act. IQ Data has also wrongfully reported negative credit information to the credit reporting bureaus in violation of the Fair Credit Reporting Act. In an effort to remedy the negative impact to my credit report, I have explored simply paying some amount to make IQ Data remove the negative credit bureau reporting, but any payment by me would be nothing more than an extortion payment to IQ Data as I simply do not owe the purported debt upon which IQ Data is attempting to collect. 

The purported debt that IQ Data is attempting to collect arises out of a contractual landlord/tenant lease dispute where the underlying lease is governed by New York state law. I have fully satisfied my obligations under the lease and do not owe any amounts to the original creditor or to IQ Data. Under New York landlord/tenant law and the express terms of the underlying lease contract, neither the original creditor nor IQ Data is entitled to collect any amounts from me as I have fully satisfied my obligations under the lease. To the extent any portion of the purported debt exists, such debt is owed by a certain XXXX XXXX XXXX as the attached " Move Out Statement '' from the original creditor clearly indicates. 

I respectfully request that the CFPB investigate this matter, as well as IQ Data 's  business practices, as I believe my situation is not unique and that debt collection agencies are routinely attempting to unlawfully collect purported debts that are not liquidated debts, but are instead disputed amounts under residential landlord/tenant lease contracts where the landlord is wrongfully attempting to collect amounts that are not due under the terms of the lease or that violate state landlord/tenant laws.
Product: Payday loan, title loan, personal loan, or advance loan

one main financial added products to my loan
Product: Credit card

Goldman Sachs Apple Card a dispute was filed back in XXXX. GS misfiled the dispute and it was denied. If GS had filed it properly it would not have been denied.

Because GS was negligent, Im. It able to get this resolved.

Email due to XXXX XXXX request for ONLY electronic communication.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX continues to try and collect a debt that is not owed by me. The debt in question was resolved through a personal injury lawsuit in XXXX. At the time of settlement, XXXX XXXX provided a Release of Lien in this matter which I have attached hereto. On two separate occasions, they have referred this matter to a third party debt collection agency. First, to XXXX XXXX and most recently to ARstrat LLC. Both myself and my attorney have tried to resolve this matter.

Attached is a detailed description provided by my attorney to XXXX XXXX as to why this debt is not owed, as well as the documentation of the release of lien provided by XXXX XXXX.
Product: Student loan

While attending XXXX XXXX University, I applied for student loans to help pay tuition while working toward receiving an XXXX  XXXX XXXX in XXXX XXXX. On XX/XX/XXXX, I received documents/Agreement from American Financial Benefits Center ( ''AFBC '' ) stating that they were a student loan assistance program offered by the U.S. Department of Education to help provide assistance in helping me ( XXXX XXXX ) to gather relevant application documentation and assist by preparing those documents for review and submission. Within the agreement compact I was instructed to pro '' vide a copy of a voided check, along with the attached ACH Authorization Forms, signed by the account holder who is remitting the program payment. '' At the time of inquiry my estimated summary of current Federal Multi Student Loans Balance was XXXX., with  a current loan payment of $ XXXX   monthly, with an estimated new loan payment of {$45.00} thru ''AFBC ''. The Enrollment in AFBC XXXXS Financial Education Platinum Member Benefits Program Enrollment & American Benefits Center Financial Success Kit Charge was {$1200.00}. No further actions/processes would take place on my behalf until the {$1200.00} was processed and accounted for. Set up charges and drafts were carried out in this manner..XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX.Setup Charge- {$95.00}, Draft # XXXX {$300.00}, Draft # XXXX {$300.00}, Draft  # XXXX {$300.00}, Draft # XXXX {$300.00}. After the initial {$1200.00} were paid, monthly Document Preparation and Service Program Enrollment Electronic Funds Transfer Authorization payment installment were set up, which consist of the following ... .Draft # 1- {$100.00} on XX/XX/XXXX, Draft # 2- {$100.00} on XX/XX/XXXX, Draft # 3- {$100.00} on XX/XX/XXXX, Draft # 4- {$100.00} on XXXX, Draft # 5- {$100.00} on XX/XX/XXXX, Draft # 6- {$100.00} on XX/XX/XXXX, After payment XX/XX/XXXX, the monthly payments were dropped down to XXXX, which was the monthly payment that I was paying until I received notice from a friend ( who had enrolled during the time I had ), that AFBC was closed down and being taken to court for " Meanwhile, the FTC concluded its investigation and filed an enforcement complaint against appellants in the same district court. The FTCs complaint alleged that appellants violated the FTC Act and related rules by operating a student debt relief scam that tricked consumers out of millions of dollars '. Case : XXXX, XX/XX/XXXX, ID : XXXX, DktEntry : 24, Page 11 of 59. To my surprise, I noticed that the last payment was withdrawn out of my account XXXX, pending no notice and no reply from AFBC went trying to contact them concerning the matter. It Is at this time, I am requesting full payment back on all fees paid ( enrollment, documentation processing, and monthly payments since XXXX, See breakdown.. 
Enrollment- {$1200.00} Document Preparation-6 payments @ {$100.00} ( total- {$600.00} ) XXXX $ XXXXx10months= {$490.00} XXXX $ XXXXx12months= {$590.00} XXXX $ XXXXx12months= {$590.00} XXXX XXXX XXXXx11months= {$540.00} GRAND TOTAL REQUESTING- {$4100.00}
Product: Credit reporting or other personal consumer reports

Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) dates include in attachment.
Product: Debt collection

THIS IS A FRAUDULENT ACCOUNT. ALDOUS & ASSOCIATES WAS MADE AWARE THAT THIS ACCOUNT WAS FRAUDULENT YET THEY STILL POSTED IT TO MY CREDIT WITHOUT ANY REGARD TO THE RAMIFICATIONS. THEY SHOULD BE HELD LIABLE FOR DAMAGES PER VIOLATION AS INSTRUCTED UNDER THE LAW.
Product: Mortgage

We currently have XXXX attached to our mortgage payment and we have paid extra each month to get the balance down below XXXX XXXX XXXX. Once we did that I requested to have the XXXX removed from our mortgage and was told that we need to refinance in order to have it removed. 

Our current mortgage rate is XXXX XXXX, so it would be prohibitively expensive to refinance at this time.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion is working with XXXX and XXXX aka XXXX XXXX to manipulate my credit score. On XXXX XXXX Transunion and XXXX dropped my XXXX XXXX by a total of XXXX points. XXXX changed my payment status on my XXXX XXXX XXXX account to reflect a 30 day late for XXXX of 2024. This matter had previously been corrected by XXXX XXXX XXXX in XXXX of 2024. Ive contacted XXXX XXXX XXXX and they advised that they did not make any updates that would reflect the account to be delinquent. Transunion is reporting XXXX accounts incorrectly XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These XXXX accounts should reflect included in XXXX  XXXX bankruptcy. Please see the attachments which shows Transunion dropping my score for items that should not drastically affect my score. This behavior has been consistent with Transunion. I feel that the behavior is an act of retaliation due to previous legal action and complaints I've taken against Transunion. This behavior has and continues to cause me emotional stress and financial damage. It is just unimaginable that they would intentionally harass me and especially on XXXX XXXX! This behavior is unacceptable and needs to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH FTC.
Product: Credit card or prepaid card

To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX  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.
Product: Money transfer, virtual currency, or money service

Paypal account associated with a closed business is unable to be closed. They retain bank and credit card details and will not remove them.
Product: Checking or savings account

There was an insurance check deposited in my account. Wells Fargo threw up a red flag on the chat instead of them, contacting me and trying to exalt the problem. They close my whole account checking and savings. It was a bad report on my credit history, and it was not even my fault. closing my account and not allowing me to fix whatever the problem was or the company to fix whatever the problem was my account was closed. Money was took from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Experian received a dispute from me for account XXXX XXXX XXXX, installment account, auto loan. I sent EXPERIAN THIS dispute because i have NEVER been late on my auto loan payment. i have only had my car for one year it is no way possible i was late for 10 months straight!!! i informed EXPERIAN that this was a mistake and informed the creditor. The creditor told me i would have to dispute it with the credit bureau experian to get it changed. i disputed it, and EXPERIAN VERIIFED THE DEBT, i THEN ASKED FOR A METHOD OF VERIFICATION, FOR THE LATE PAYMENTS. According to FCRA i am well within my rights to request removal of late payments because this company failed to send me proper notifications and i do not recall missing a single payment. 
EXPERIAN IS IN VIOLATION OF FCRA : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I REQUESTED experian send me the notices and names of people and copies of correspondence from XXXX that they used to verify these late payments. 

Experian has failed to respond to my dispute, and had committed multiple federal law violations including my privacy of credit file and experian did not provide protection and accuracy of credit file
Product: Checking or savings account

I had a pre-authorization held on my account from XXXX in the amount of {$370.00} which has been pending since XX/XX/2024. I then had the actual charge taken out on XX/XX/XXXX again from XXXX in the amount of {$370.00} The pre-authorization charge is still listed there and because of that it has caused my account to go negative and I can't get out of the negative I work for XXXX and any XXXX  I did would go toward paying off that negative account balance and not net me any money but to be able to do XXXX I need money for gas not to mention everyday expenses such as food. I have spoken with the Branch Bank that partners with XXXX XXXX that provides the XXXX debit card. I was told that the pre-authorization charge would be on the account for 30 days!!!
Product: Credit card or prepaid card

After closing my account, I noticed that I had a {$210.00} credit on the balance. The bank stopped sending statements and did not automatically issue a check. I called in today and the representitive said that is not their policy and that you had to request it. This seems like theft expecially when this business arrangement revolves around paying interest on the use of money for a period of time. 

They also did not credit my account for the rewards money that I earned. They did this because they said the account was closed. My opinion was the rewards were earned and should be paid accordenly.
Product: Student loan

: Back on XX/XX/XXXX I received a letter in the mail, looking like it was from the Department of Education Federal Loans Department. It stated they had a new program to help consolidate my student loans with an easy and faster payment plan. I called and was told they would consolidate my loans and have them payed off by XX/XX/XXXX. I would have to make payment of 2 @ {$74.00}, 10 @ {$170.00} and the rest @ XXXX per month with XX/XX/XXXX being my last payment. I filled out the forms and sent everything in and my representative said they would get back to me. The next day I had an approval and they began to take payments direct from my checking account. To this day I have paid {$2200.00}. I have found out the NONE of it has gone towards my loans, they only kept them at a {$0.00} balance due, but interest was still adding up. I WAS SCAMMED! I called both former loan companies and they said that no payment was EVER made by this company. I have been trying to call them, but only get a message saying they will return my call. I have emailed them multiple times with no response. They use XXXX ( XXXX XXXX   XXXX ) for collecting money. They as well will not answer the phone or emails! Now I finally see all the complaints online about this company, but nothing has been done to stop them. I want and deserve a refund!
Product: Credit reporting or other personal consumer reports

inaccurate accounts reporting on my consumer report, no validation or verification sent, violation of XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. 

The creditor, XXXX XXXX XXXX XXXX  XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over XXXX  days since my initial request and no corrections have been made, I am giving you a final deadline of XXXX  days to resolve this matter. 

XXXX XXXX XXXX XXXX XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Student loan

This company has given me multiple issues on fixing problems on my account nor have I got my 36 adjustable credits given to me. I as well call them over and over and get no one. I as well call them over and over and do not get issues resolved for fixed and I'm losing multiple credits because of them