23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in XXXX XXXX. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$60.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}, XXXX XXXX XXXX Balance : {$37000.00}
Product: Credit card or prepaid card

Received a US BANK RELIACARD which is suspicious. Did not ask for it or asked for unemployment benefit from PA. We don't even live in PA. This is a scam or fraudulent activity. Tried calling US BANK Reliacard but never was able to talk to a live person. Please mark them as Scam US BANK RELIACARD
Product: Mortgage

When I signed the closing documents for my new home, my mortgage of XXXX included XXXX/month for property taxes and mortgage insurance. My property taxes were incorrectly appraised and did not take into account the property taxes of similar new homes in the neighborhood. I just recently received notice that I now owe XXXX by XX/XX/2020 AND that my mortgage payments will nearly DOUBLE to XXXX which is also due within the next 30 days by XX/XX/2020! I had not received any prior notice that the property taxes were behind and I certainly can not pay these amounts, especially within 30 days! According to the recent statement from my escrow account, I will still be behind by over XXXX for all subsequent years. If the correct property tax estimates and amount of mortgage ( XXXX ) was disclosed during closing, this would have at least provided me the opportunity to walk away from the deal. I have essentially signed a false and misrepresented contract and will soon lose my home as a result of the incorrect escrow appraisal. This practice should be illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. On XX/XX/2021 I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the cfpb regarding the investigation process and how XXXX  and equifax did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. Also Equifax sent me a letter failing to abide by the law FCRA 605b even though I sent a FTC report. In the letters I clearly noted that I was severely affected and my information stolen during the XXXX  and the equifax data breach and I am seeking the help of the CFPB. Through this whole process they have failed to give me proper evidence of the validation of the debt and verification that I was the one that sought out the debt to being with and I want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.
Product: Debt collection

left a message telling me the police would go to my home and my job to arrest me
Product: Credit reporting or other personal consumer reports

XXXX i have an issue with XXXX, updating my paid accounts. 
In the past they report my credit card payment as paid. They also report that the account has been paid in full. My credit points drop to XXXX points. I still have that credit card open. 
This happens with any credit card, I pay this time it was the XXXX XXXX.
Product: Mortgage

Union Home Mortgage owes me my escrow funds and I was told I would receive them before XXXX  .. My loan refi closed on XX/XX/2021.. 
last week the XXXX phone rep stated the refund had been mailed .. this was a lie .. todays XXXX rep stated it was being processed and could not give me a mailing date.. These are my funds and there is NO reason why I should not have received them. 
XXXX has many complaints on this serious issue of XXXX holding back these refunds.. I want my escrow monies!
Product: Checking or savings account

I was a customer of ING Direct, I had a CD with them as well as savings account.

At one point ING Direct Bank was acquired by Capital One Bank.

I kept depositing money into this account and using this account with Capital One.

I was recently printing out statements and noticed my interest rate on my savings account was only 0.3 % this seemed much too low.

I did a search and found that Capital One has another savings account not associated with ING direct and the interest rate is 10 times higher. from my log in page there is no hint this product exists, only from link used with other search engine. 

They hid this product and kept ING Direct customers in the dark.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

XXXX , formerly  XXXX   XXXX  refuses to work with customers regarding options to repay private student loans when there is financial hardship. They require payment for forbearance, which is only for a 3 month period. When having difficulties paying loans, I attempted to provide a small payment, i.e. my outstanding balance was {$420.00} and I paid approximately {$150.00} in  XXXX , as I could not afford the payment and no other options were made available to me.  XXXX  calls my personal cell phone multiple times daily in order to make financial arrangements. I have received  XXXX  calls per day almost every day from them ; I believe this qualifies as harassment.
Product: Vehicle loan or lease

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial lost and inconvenience and, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX on XX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and the
y did not comply with the law!

15 USC 1666b ( 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 have requested proof that this information was mailed
or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TRANS UNION FILE # XXXX DATE : XXXX XXXX XXXX COLLECTION ACCOUNT SHOULD NOT BE REPORTING AS LATE OR PAST DUE. 

REMOVE THIS ACCOUNT FROM MY CREDIT FILE IMMEDIATELY AND SEND ME A NEW UPDATED CREDIT REPORT. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA You are required to promptly DELETE all information that is inaccurate. 

THIS IS A CLEAR VIOLATION of the FCRA USC 1681S-2. 

THIS ACCOUNT IS REPORTING AS INACCURATE. 
XXXX XXXX XXXXXXXX Reporting as PAST DUE AMOUNT {$7300.00} This is not my account. I never had an agreement with this Collection Agency.
Product: Credit reporting

I have send dispute letter to XXXX, XXXX and Experian asking the verifiable proof for the accounts thay have filed in my report. 
They have failed to prove them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! I recently received a letter dated XXXX XXXX stating XXXX XXXX XXXX had furnished a CHARGE OFF to XXXX, Experian, XXXX. I have already filed multiple disputes to remove the account starting and ending with XXXX. All three credit agencies failed to provide me with proper DEBT VALIDATION, and they all continue to reflect on my CONSUMER REPORT as a CHARGE OFF and I never received a IRS TAX FORM 1099c. 
With that in mind, I would also like to point out that my consumer information currently is not being accurately reported and is causing injury to my family by not being able to acquire goods and services I need for my home. I do currently have the vehicle I purchased in the consumer credit transaction dated on XXXX XXXX. I have a letter from XXXX XXXX stating that there is no lien/title for my vehicle, there is no remaining balance reflecting on my XXXX XXXX account but, XXXX XXXX did furnished " Charged Off '' and is now being adversely reported on my credit report as a Charged Off account. 
We are both aware that XXXX XXXX XXXX as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered in the sale of the vehicles after repossession. From our limited knowledge and tax obligations for the year of XXXX, such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivable '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS Topic 453. This current issue of XXXX XXXX XXXX furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of " reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication 4681 defines as " Income '' and not " Debt '' is being furnished to third party data furnishers as well. Perhaps this is a small oversight that XXXX XXXX XXXX is not aware of and can address quickly at no cost by submitting a request to XXXX, Experian, XXXX, to remove this inaccurate derogatory account from my credit profile since the DEBT has be canceled and reported as INCOME as well as to stop the current injury so that I could continue to prosper just like you. 
With that in mind, If for some reason this is not the correct understanding of the " exclusions '' part in the construction of a consumer 's credit report with accurate information and the correct IRS reporting a " Debt '' charged off and reported as " Income '', please let us know with supporting details so that we can be better informed consumers and honest taxpayers. Thank you and I will be looking forward to a honorable response.
Product: Debt collection

Hello, I believe Paypal has illegally seized {$9800.00} from an illegal debt collection attempt ( debt 10 years old and not under my account ). These potentially illegal policies undertaken by Paypal effect many Americans who have been very vocal but as of yet not heard. I appeal to you to please investigate Paypal. I have included my story below. 

On XXXX/XXXX/XXXX Paypal limited my account so I could no longer remove my balance until I contacted them. When I called they informed me that I owed a balance of {$1300.00} and they were freezing my account and my wife 's account until it was payed. This {$1300.00} dollar debt was not part of either of our accounts and was not our debt however they " hard linked '' our accounts to this defaulted account and held over {$13000.00} to cover a {$1300.00} debt that was not ours to begin with. To add insult to injury this debt is from XXXX XXXX, well outside of any statute of limitations date in America. I feel this debt collection attempt was illegal. 

I called Paypal to inform them of this illegal debt collection attempt and I was finally put in touch with an individual named XXXX who was 4 supervisors up in the call chain. He assured me the problem was fixed and the debt was cleared off our accounts. He spoke of white listing the defaulted account. 

On XXXX I attempted to move funds from Paypal to my personal bank. It was blocked. Paypal stated they wanted more information. They asked for my drivers license and a copy of my invoices. I complied. Within the hour my account was shut and my money seized and I 'm now being told I must wait for 6 months to receive my funds XXXX if there is any truth to that ). 

I 'm being harassed for an illegal debt collection that is not mine and now Paypal has seized my cash balance of {$9800.00}. Paypal has seized {$9800.00} to collect on a 10 year old debt for {$1300.00}. 

Thanks for you time and help, XXXX XXXX
Product: Student loan

I have worked for the past 19 years as a XXXX XXXX XXXX at XXXX XXXX XXXX ( ALL of them ). I MORE than qualify for XXXX XXXX Student Loan Forgiveness ( Most recent degree- XXXX- completed in XX/XX/XXXX). I tried TWICE for it and had all of the documentation ( XXXX Forms completed by school system personnel office ). I was turned down both times. I am in forbearance and NOT in default. Nor have I ever been in default on this loan. I am very conscientious about keeping my forbearance current. None-the-less, I was told some old XXXX. like " Well, we see you had loans in the XXXX 's ''. So basically because I 'm of a certain age and have multiple degrees, they are telling me that I ca n't get the loan forgiveness on my current student loan ( Stafford Loan being handled by " FedLoan '' ). I 've read that people have been erroneously denied loan forgiveness and feel that I am one of them.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # 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 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 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 ) ( 1 ) 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 reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue with Equifax. Lenders are unable to pull my Equifax credit report ( no issues with XXXX or XXXX ). I have had no luck with addressing the issue over the phone, I keep being told that there is nothing wrong. I cant even pull my free annual credit report. This is making it very difficult to get a loan and I do not know what to do. Equifax has no answers, solutions or even direction for possible resolution.
Product: Debt collection

A loan account was setup with monies put into checking without my permission. 
Monies were wired to another account out of my account. 
Now loan company wants to be paid in which I do not have the funds as I am on a fixed income.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My understanding is that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account in my file : PENNYMAC XXXX Balance Owed : {$200000.00}
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it appears imperative that we eliminate any erroneous accounts from my credit report. Would you mind reviewing the documentation? A few of the listed accounts seem to be misrepresented, causing me considerable unease.
Product: Mortgage

This complaint is against PHH Mortgage Services and its parent company, Ocwen Financial Corporation. 

In XX/XX/XXXX, a burst water pipe caused over {$100000.00} of damage to my home. 
My insurance company doesnt pay for all of the damages at once. They release claim funds in chunks. 
PHH Mortgage, as the lienholder, is required to be a party to the claim checks issued by the insurance company. 
For reasons that no one at PHH can explain, they are holding funds that have already been approved and released by the insurance company. 
XXXX XXXX has released 66 % of the funds. PHH has only released 42 % to me. 
PHH will not release any additional funds until my repairs are 80 % completed. 
No one at PHH can explain to me how I will be able to achieve 80 % completion with only 42 % of the money. Their only response is thats our process and we can not deviate from it. Every person I have spoken to says this. 
We have been living without a kitchen since XXXX, and more than 50 % of our main floor was damaged. 
PHH has an endless call center approach to customer service. There is only one number available for discussing insurance claim checks. You can not escape the call center, and they all read from the same script. 
PHHs website only has one toll-free number ( which also goes to a call center ). When I call that number, they transfer me to the same claim call center. 
PHH does not publicly list any names of the management team, or the names of anyone at their company, on their website. It is impossible to locate a reasonable human being that is willing to discuss the issue. 
The one name I could find elsewhere belongs to the CEO. I sent a letter and full documentation to PHH CEO XXXX XXXX on XX/XX/XXXX. He chose not to respond, or to have anyone else respond directly to me. Instead, I received a form letter which said that it will take 30 days to get a response from the claims department. No one in the claims department has the authority to resolve this matter. 
If my own mortgage company wasnt involved, we would have a family Thanksgiving in our own home. Because of PHH, we probably wont even be able to finish repairs before XXXX. It appears that they prefer we live in a damaged home indefinitely. 

PHH apparently only wants to communicate by either a call center outside the US, or by snail mail, which continues to lengthen the amount of time we are living in a damaged home.
Product: Debt collection

" I have never ordered phones from this company, and I insist that I am myself confused by this action. I am receiving calls and emails about refunds for something I never contracted. ''
Product: Credit reporting or other personal consumer reports

Hello I am writing this letter to notify the credit bureaus of these fraudulent accounts that I never open. I am a victim of identity theft. Also, my identity was stolen for personal gain. Please delete all fraudulent accounts listed below.

Account name Account number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX