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

I ordered a copy of my report in IdentityIQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX XXXX : {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report, I noticed XXXX XXXX XXXX reported that I was 30 days late for payment on XX/XX/year> According to Law for a late payment.

15 USC 1666b ( a ) 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 was not informed by mail or email and would like the late payment reported to credit agencies from XXXX and XX/XX/year> to be removed from XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an account with balance of {$3500.00} account number XXXX held by XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX. 

No proof of this debt was provided, and thus they were required to remove the debt and stop reporting it. 

The debt was originally removed from my transunion account but continued to show on the others, which should not have been allowed As of XX/XX/2020 I again disputed a charge from original creditor XXXX, currently owned by XXXX XXXX XXXX, account number XXXX with a balance of {$3500.00} ( XXXX dollar less no less, so reporting inaccurate amounts where they clearly dont have any idea what this debt is ) I have multiple items from XXXX  on my credit report and no creditor should be allowed to report this on my credit as the debt was not verified, and I was never informed that debt was sold again. 

Please have this removed from all reporting locations and block them from illegally putting this on my credit again
Product: Checking or savings account

I paid for a XXXX deposit through my cashapp card. XXXX only partially refunded me but did not send the {$800.00}, after they closed my account down for no reason. I then did a dispute with cashapp which they denied. I have sent various emails to both cashapp and XXXX  to send my unusued money back but nothing from both ends!
Product: Credit card or prepaid card

XXXX XXXX was forced to close pursuant to an Executive Order of the Governor of the State of Michigan in XXXX. On XX/XX/20 we notified Chase Bank ( issuer of a business Visa credit card ) that we were being forced to close and that we did not know how long this closure would last. 

During the closure, we did not receive mail service to our location. 

We have now been allowed to re-open and are reviewing all bills that have now been delivered. We have statements from Chase for the Visa credit card that show interest charges that accrued during the time of the closure. 

I called Chase today ( XX/XX/20 ) and asked that these interest charges be waived, as we did not have accounting staff allowed in our office during the shutdown and no way to pay them. They stated that they are only waiving late fees and are not waiving interest charges. 

As we were unable to pay bills during this government-mandated shutdown, we don't feel we are responsible for these interest charges and would ask for assistance in this matter.
Product: Mortgage

Loan Servicer : Cardinal Financial Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX NMLS ID XXXX Contact XXXX XXXX XXXX Contact NMLS ID XXXX Contact Email XXXX Phone XXXX I was attempting to do a refinance with Cardinal Financial. Rate lock was for 2.75 % 30 year fixed for a refi Owners : XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX After many months attempting to close this loan, Cardinal Financial would not honor the original estimate/ rates & terms given to me. They said they would, but a " computer glitch '' was preventing them from doing so. I changed the refinance to a different Servicer who was able to honor the rate/terms in original estimate. XXXX was very difficult to communicate with during the process of the loan. She was always available prior to locking in on the rate. I would never use Cardinal Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, violated my 609 rights by reporting incorrect information to my Transunion credit profile for others to see.They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer rights.
Product: Money transfer, virtual currency, or money service

I sent {$100.00} via XXXX for a golf club then was sent a fake tracking XXXX #. 

Ive contacted Bank of America several times and they havent even initiated a response or investigation in the past 11 business days. 

I have text messages, the persons bank information etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : 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 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Debt collection

This charge was a fraudulent transaction that was never authorized by me. The original creditor XXXX should have never processed this charge from a car rental company without my consent. I have contacted XXXX on many occasions to dispute the transaction and they have done nothing to resolve the issue. Instead, they hired Cavalry Portfolio Service, a credit collection agency to pursue the debt. I would like XXXX to remove this balance from my account and from my credit report altogether in the interest of justice, according to the Fair Credit Reporting Act.
Product: Debt collection

Conns has called me a total of 9 times so far today XXXX XXXX XXXX between the hours of XXXX today. I answered the call on my lunch at XXXX XXXX and spoke with a person named XXXX. I let her know that I am at work and their repeated calls are causing a disruption and that the could have left a message and I would have called back when I was free. I let her know that do to the overwhelming about of calls in a short time span that I feel harassed and want my phone number removed. I also have received a text message as well as an email from Conns today.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and XXXX  with these thing. Should be there be any updates on my inquires, I'm gon na go to court.
Product: Payday loan, title loan, or personal loan

I received a call from a company name XXXX XXXX XXXX, XXXX stating that they was going to file a lawsuit against me from a company Name XXXX XXXX who they said that i owe a payday loan too.The first price she quoted to me was XXXX. Then she stated that they will settle for XXXX. The person name was XXXX XXXX XXXX. I then Called the company name XXXX XXXX and they stated that they do not have any records on me owing them any payday loan. I gave them all of my information to check the database and nothing came up in my name. So i was told that they do not have any owed payday loan in my name. That when i contacted your company. I also sent you the Settlement Letter they emailes to me. I never responded to there letter and never gave them any money or my account number to withdraw cash. Their email address is as follow : XXXXXXXXXXXX. Address XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ca. XXXX. Phone number XXXX.
Product: Mortgage

Loan # XXXX Our loan was transferred to Shellpoint Mortgage Servicing in XX/XX/XXXX. They had provided us with a new Escrow statement at which time we noticed that our escrow payment remained the exact same to we had already paid for the previous 12 months. All the years we had been paying our PMI, it had decreased each and every year we received our escrow statement until Shellpoint Mortgage Servicing took over. We contacted Shellpoint regarding this matter and their reply was that the monthly PMI was based upon our Amortization Schedule and the amount was correct. Shellpoint did NOT provide the Amortization Schedule that they have in our records to show evidence of such claim. I then contacted XXXX, the company that our PMI payments are sent to, and XXXX XXXX replied on XX/XX/XXXX with " The PMI should not go up unless the Amortized balance went up for any reason. Because the contract is between XXXX and your lender, I am limited at what information I can provide to you. ". We tried to fight the matter with no avail since we did not know we had the original Amortization Schedule in our safety deposit box at the time of our first complaint. We continued to pay the same amount for 2 years. 

Fast forward to XXXX, XXXX. I was cleaning out our safety deposit box and found the " original Amortization Schedule '' for the current loan that Shellpoint Mortgage services. According to our original documents, our current PMI monthly payment from XX/XX/XXXX - XX/XX/XXXX should be {$120.00} and NOT {$130.00} which they claim is correct. On XX/XX/XXXX, I sent an online message to dispute their claim and provided them with the original Amortization Schedule documentation we have in our records. Shellpoint mortgage replied back on XX/XX/XXXX with an answer that did NOT even answer our question. Their reply referred to the rules to be eligibile to cancel PMI and how to go about the process which was NOT related nor did it answer our question. 

On XX/XX/XXXX I sent another online message to Shellpoint asking for a competent person to carefully review our question and the documents we provided. XX/XX/XXXX Shellpoint Mortgage replied back again noting that the PMI is based upon the Amortization Schedule and the {$130.00} is correct. They also included a copy of our payment history which has nothing to do with nor does it prove the accuracy of what they are telling us. On XX/XX/XXXX I sent a third and final message regarding the matter with the original Amortization Schedule. We also requested that they reply with their copy of the original Amortization Schedule proving contrary to the documents we have in our records that we received at the time of the closing of our loan. Shellpoint Mortgage replied back with info on who is elegible for PMI cancellation which AGAIN DOES NOT answer our question. We have proven our case with our documentation but Shellpoint Mortgage refuses to reply with an answer that proves otherwise with any supporting documentation of their claims.
Product: Mortgage

Attached is a third-party authorization giving SLS permission to speak with my attorney about my account. My first mortgage was modified in XX/XX/XXXX with a HAMP Tier 1 modification. Since I received a HAMP modification before XX/XX/XXXX and my second mortgage servicer is a HAMP servicer, I should have been offered a XXXX modification for my second mortgage. It has been a year since my first mortgage was modified, but my second mortgage servicer, SLS, has still not offered me a XXXX modification.
Product: Student loan

Shortly after graduation from law school, I began working for the XXXXXXXX XXXX XXXX as an XXXX XXXX XXXX. At that time, I decided to accept the terms of the Public Interest Loan Forgiveness Program. I contacted FedLoan Servicing in early XXXX and was informed that several of my student loans were Federal Family Lending Program loans, not Direct Loans, so they would need to be consolidated. I asked XXXX to identify the loans which needed to be consolidated and they did so. I consolidated all those loans they identified. They are the consolidation loans in XXXX of XXXX. I also applied for PSLF certification. I have applied for PSLF certification at least three times. XXXX never indicated that these loans were not eligible as a resolut of my certification applications until XXXX. 

In XXXX when I applied for PSLF certification with my new employer, the Florida Legislature, XXXX informed me for the first time that three of my outstanding federal loans were not PSLF eligible. These loans were identified by XXXX as eligible for PSLF previously and that it why they were not consolidated. XXXX refuses to acknowledge that they are PSLF eligible or credit the on time payments made so far on these loans. This is despite the fact that these loans are owned by the U.S Department of Education and Guaranteed by the Federal government. 

I contacted XXXX on this issue in XXXX of XXXX. They requested time to work on this issue. Every time I call or write XXXX sends me to a new individual who promises to look into the issue and contact me, but they never do. I have called, I have written, and done everything in my power to try and resolve this for over a year. At one point, the individual " assigned '' to resolve my issue was allegedly terminated and his entire unit disbanded. 

XXXX 's only solution has been to consolidate these three loans anew, even though I was told they are PSLF eligible and they should be PSLF eligible. This would start my 10 year clock on PSLF over. Because I would still be a public servant on income based repayment it would effectively extend my PSLF term to 15 years instead of 10 because of mistakes made by their employees. This is not fair, and it is not right. I should not have to file a law suit to make the government and their service providers live up to their side of the bargain. I simply want credit for my on time payments. Extending my term to 15 years will continue to delay significant life events for me. It will put off home-ownership, purchase of a vehicle, and could even impact decisions such as marriage or having children. I just want XXXX to do the right thing. 

I have attached documentation. Please review this as well for additional details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED / XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXXY Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX XXXX Account # 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
Product: Vehicle loan or lease

I have a loan with SAFCO. 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 SAFCO 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 2017.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

I recently reviewed my credit reports, and discovered several inaccuracies in the personal and home information listed. It's imperative that this infromation be updated across all credit reporting agencies to ensure accuracy of my credit profile. 

These inaccuracies include addresses:XXXXXXXX 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. In addition to these, the correct spelling of my name that should be listed as XXXXXXXX XXXX XXXXXXXX, with the updated and only address as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

I kindly request your assistance in facilitating the correction of these inaccuracies with XXXX, XXXX, and Experian. 

Thank you for your assistance in resolving this issue. 

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

Please remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report as soon as possible. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681XXXX - U.S. Code - Unannotated Title 15. Commerce and Trade 1681XXXX Civil liability for negligent noncompliance. I have suffered damages as a result of the misrepresentation. As a result of Lexis Nexis violations of ( CFRA ). Please Delete false information from my consumer report immediately. 

XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of Lexis Nexis violations of Fair Credit Reporting Act ( CFRA ).
Product: Money transfer, virtual currency, or money service

My accounts at XXXX, XXXX XXXX, and XXXX XXXX were hacked into and fraudulent Zelle payments of {$25000.00} were made over the course of 2 days on XX/XX/23 and XX/XX/23. I can not believe the lack of security at all these financial institutions and particularly Zelle to allow unknown payees to be added and so much money to be stolen in a short period of time. There was no precedent for these types and velocity of transactions. XXXX XXXX the most effectively, while XXXX had me on hold for hours and hours just to be able to report the claims. As of now, I am still out {$20000.00} between XXXX XXXX and XXXX.
Product: Credit card

Reached out to the Concora Credit about monthly fee for all 3 cards that I have with them XX/XX/year>. I was told that the monthly fee was for the annual fee broken up in monthly payments but I was already charged the full annual fee of {$99.00} on XX/XX/year>XXXX  on card ending in XXXX. I decided to pay off that card and close the account because of the {$3.00} fees on this card ending in XXXX even when I disputed the fee because it had already been paid. Upon further investigation, I learned that card ending XXXX was involuntarily placed on the Credit Protection from XX/XX/year>XXXX  until now. They said this was voluntary but when asked what day and when did I request this they claimed it was done in XX/XX/year>. When I asked for proof that I submitted this request I was denied. The fee of {$10.00} was applied monthly since XX/XX/year>XXXX  until now. On my card ending in XXXX the same situation in the amount of {$11.00} since XX/XX/year>. I did not voluntarily apply for this service and the company refuses to provide the proof that I did.