23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase bank is insisting we take out additional flood insurance at a high rate even though according to the HOA and my insurance company we have more then adequate coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : TOTAL CARD DATE ASSIGNED : XXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting

I have XXXX accounts that are reporting incorrectly 1 Nj Federal court say loan type credit card chapter XXXX account # XXXX 2 XXXX XXXX account # XXXX this is being reported incorrectly 3 XXXX account # XXXX this is also being reported incorrectly
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) to be removed. 


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 they 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Product: Debt collection

I moved out from XXXX XXXX in XXXX 2014. I received notice in XXXX 2014 that I owed various items, which were illegal in the state of XXXX to collect - such as re-painting the walls. I contested the charges with apartment complex. XXXX months later I received notice From XXXX, they simply sold the debt to a collections agency and did not call or work with me on my request for more info or to resolve. XXXX became aggressive to collect despite requests to resolve. I hired an attorney who sent requests to XXXX and to XXXX to provide sufficient detail regarding what was being collected, and within the law, they had 30 days to respond. Neither party responded to the party within the allocated timeframe. As such, the debt is invalid due to lack of response from EITHER party. I have disputed this debt with XXXX and provided information and they removed it XXXX and XXXX need to remove this debt as well, but refuse to because XXXX continues to state this is a " valid '' debt despite proof that we have attempted to resolve this in the legal forums.
Product: Credit card or prepaid card

I received XXXX notices today from my various credit card monitoring services that someone opened an account in my name on a SUNDAY EVENING. I contact SYNCB and they said they dont have a record of the request yet I have " XXXX '' emails that say TRANSUNION had a HARD INQUIRY for me yesterday again SUNDAY EVENING. 

XXXX. XXXX, 2019 New Inquiry SYNCB Travel/Entertainment ( XXXX ) XXXX C O XXXX XXXX XXXX O XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
Product: Student loan

In XXXX XXXX my Wife and I accepted an offer from XXXX XXXX to Consolidate our loans as a Married couple to lower the interest over the life of the loan. At no time were we informed that we would be waiving any potential rights later in life due to unfortunate circumstances while a young couple in their XXXX just start out together. My wife 's XXXX Federal Loans at the time of this consolidation XXXX XXXX totaled XXXX and today is at XXXX after 16yrs. We provided documentation through the Life of these Loans with regards to the XXXX accident in XXXX my wife was involved with from both the XXXX and several Physicians. Her XXXX Date was XXXX/XXXX/XXXX and Post Discharge Monitoring concluded 3 years after that. Our complaint is that these loans, totaling today XXXX, were not properly Discharged/Forgiven based on my wife 's XXXX inability to pay or benefit from her education. I myself have no ability to benefit from her education to provide any further financial means to support a one income family that has a spouse XXXX within the household. I 'm still burdened with trying to repay my own education loans from the consolidation in XXXX XXXX for XXXX which today 's balance is XXXX to date. With 16yrs we have only been able to repay XXXX out of XXXX due to a single income family during that time frame providing for a XXXX family member based on job availability and due to medical needs has had to exhaust all deferments and forbearance options during that time frame. With the proven XXXX of my Wife over 16yrs we believe that these XXXX Loans totaling XXXX were not properly Discharged and exempt from all parties involved for repayment upon Post Discharge Monitoring. Please Discharge and Forgive the XXXX Loans totaling XXXX from all applicable parties
Product: Debt collection

Professional credit management reported on my XXXX report on XX/XX/2019. I was never received a bill about this. I have spoke to this company but they will not me resolved this issue, now this hurting my chance to get a house
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 my business excepted a business capital loan from Square. The payment was suppose to be a percentage XXXX XXXX of sales each day. But it turns out that it was percentage of card sales which our business is a small restaurant and if someone uses a card to tip the server they are taking a percentage of the servers tips. That is not our funds it has to be paid to the server at night. I feel that square is using predatory lending tactics for small business. Especially restaurants who are already hurt from the pandemic.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by meXXXX 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 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
Product: Debt collection

Convergent XXXX, a collection agency, is contacting me to try to collect a cell phone debt that they previously accepted a reduced balance over 2 years ago. They tried this tactic last year and when they were told to stop because they accepted a reduced balance, they said they would not contact me again. Now they have called me on my cell phone and sent me a notice, again offered a " reduced balance amount. '' Convergent XXXX clearly does not honor reduced balance offers. They must rely on the fact that the balance was paid so long ago that I do not have document to prove what I paid and the notice they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, LLC # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

AES has  XXXX  accounts on my  XXXX  and  XXXX  reports that are over the seven year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax Several Times about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX  XXXX on my public record as Accurate and True. This is a LIE.

I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!!

LexisNexis cant produce evidence that they have been working directly with the NJ Bankruptcy Court regarding my XXXX XXXX inaccuracies.

The public record must be removed per the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX born XX/XX/XXXX am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX at the end of the year in XX/XX/XXXX I notified the school that I would not be able to attend due to medical reason and would like to take time off and filled out the proper paper work as well as other issues that were causing a problem. I was ensured everything will find and when I could restart they would allow this. In XX/XX/XXXX the beginning of the year I was receiving calls that I wasn't attending class and they said they didn't have all paper work and it was sent again. My adviser left that school during this time or they changed the adviser and again I thought it was okay weeks later I see another class was started and said I had not attended and was in violation. I again called and told them to and they said they would take care of it. They refunded the money back to the loan company for the federal loans so I assumed everything was okay. The following year in XX/XX/XXXX I received notice I had a bill from the University of XXXX and that it was past due and was being reported as write off from the school and listed by credit reporting Agencies as a closed account and as a revolving installment loan that was late. I contacted the school and they said that the bill was left over from the XX/XX/XXXX semester and even though I didn't attend it wasn't done in time so they were billing me. I explained what happened and requested a investigation and requested them to remove this until the investigation was over due to me involved in trying to buy a home. They said they do not delete anything but I could pay and they would up date it. I stated to them I don't owe this bill and to stop the collection process and delete this and it was reporting that I was late on a open installment loan but listed a couple of time on the report in closed accounts and in installments loans that are deliquent now I have 8 late pays and the collection agency as well as the school are on my credit report and they are refusing to remove. As you can see they are in the right here and since they returned the funds to the XXXX XXXX XXXX and I am not in default with them at all and they are continuing to pay for school for me. I also at this time must tell you they kept XXXX over that amount of funds that are due each semester as a refund to me after the classes are paid for and I pay that back to the XXXX XXXX XXXX. They stated to me I accepted a direct deposit of the refund in which was not the case. They never refunded that amount and yet they are claiming I owe for a entire class of XXXX, so why would they refund that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, have violated my rights. 15 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Product: Student loan

InXX/XX/XXXX and XX/XX/XXXX I took out two loans through Citi Bank as a student studying education. They were variable rate and the percentages were high ( one was 11.125 % ). The loans were given that to me as someone with an outstanding ~ {$30000.00} in pre-existing student loan debt, and no income. I had a creditworthy cosigner, but she, too, already shared that amount of debt with me and even more with my sister who borrowed for her loans in XX/XX/XXXX andXX/XX/XXXX. There was no reasonable way to prove that I would ever be able to afford such payments. The lending of that money was irresponsible at best, but criminal at worst. To avoid the ramifications of their sketchy student loan lending, Citi sold all of my loans to XXXX They will no longer take responsibility for the situation they allowed me to fall into.
Product: Credit card

I ordered a JetBlue Card plus from Barclays Bank. A feature of the card is the ability to transfer card balances to the Jet Blue card from another credit card. Upon applying for the credit card, I transferred a portion of my XXXX XXXX card  and XXXX XXXX card. 
Jet Blue stated that my account was pending at the time of application, so during that time I actually paid down the XXXX credit card. JetBlue added $ XXXX to my XXXX account which caused a positive balance over $ XXXX. In the mean time the Jet Blue credit card is listed on my credit report as 97 % over the balance. I personally contacted both XXXX and JetBlue to reverse the credit to the XXXX account, this took several weeks to accomplish over the phone. XX/XX/XXXX, I received a letter stating the XXXX balance was transfered. I checked the online account for the Jet Blue account and both credit card balances are on the card. The credit from the XXXX has not been applied. In fact, my credit score went down because the jet blue credit card has been reflecting a 97 % usage rate. The improvement of my credit is why I applied for the Jet Blue credit card. Jet blue is reporting erroneous information based on issues they have caused.
Product: Money transfer, virtual currency, or money service

Starting XXXX to resolve missing misapplied payments. Failure to produce records and accurate documentation, a scam between XXXX and JPAY preventing completion of a legal obligation no return calls or assistance
Product: Student loan

I have XXXX issues one is I keep getting denied for public service forgiveness, which I absolutely should qualify for. My other issue is my lender has charged an exorbitant amount of interest on my loans to the point where I have paid on these loans for XXXX  years and the balance is actually higher Than the origination amount. I really need someone to look into all the interest that Ive been charged in XXXX years. I only had XXXX years of a forbearance or deferment that alone they tacked on almost {$6000.00} on top of the monthly interest. I shouldnt still owe XXXX grand after XXXX  years of paying on this loan
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year>, about inaccuracies on my credit report and have yet to receive a response. The continued reporting of incorrect information is unacceptable and violates my rights. 

I demand that you : Correct or delete the inaccurate information immediately. 
Provide proof of validation if the information is accurate. 
If this issue is not resolved within 7 days, I will escalate the matter to regulatory authorities. 

Please confirm receipt and action taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Certified Credit Reporting Report # XXXX, XXXX, XXXX, and Experian have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - aka : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquires on my reports : on XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XX/XX/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 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
Product: Credit reporting or other personal consumer reports

Zelle has not provided me with any warnings that I would not be reimbursed money that I accidentally sent others back until fairly recently. They have made no efforts to reverse transactions sent to the wrong recipient and have done little to prevent this from happening again.
Product: Mortgage

I Have 2 complain against Statebridge Mortgage company : 1 : my loan is due on the XXXX and past due after the XXXX, I get calls some times 3 times a day including Saturday and Sundays after XXXX of the month telling me my loan is late and must be paid immediately. I have called and wrote to them several times and this practice has not stopped. For your information I pay my payment on the XXXX and never been late on this loan. 2. Their on-line payment does not confirm if you have paid and if you accidently pay more than once, they will not cancel the additional payment even though still has not been processed.
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CAINE & WEINER put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that CAINE & WEINER verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If CAINE & WEINER is unable to provide the above identifying account information, this account must be deleted from all CRAs. CAINE & WEINER also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.