23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.
Product: Credit reporting or other personal consumer reports

These late payments dont fit with my usual payment history. Please remove them and update my accounts immediately.
Product: Bank account or service

I received a combination letter/form fromPopular Community Bank. The letter indicated that I had an inactive account ( the account number was on the letter ) that would be turned over to the XXXX if I did not take some steps to activate the account by a date in XXXX. I called the number on the form ( I checked on line and the number on the form was the number listed for the bank ). I spoke with a representative to confirm the contents of the letter and asked how to just withdraw the funds. I was told that the account needed to be reactivated first before the withdrawal could be made. I asked if the request for withdrawal could be made at the same time as the activation request. I was told yes and returned the form with my request for the withdrawal of funds. On XXXX XXXX, 2015, I received a call from E-Loan where the original account had been opened. I was told that if I wanted the funds withdrawn, I would need to do so on the e-loan site not in writing as previously told. I took the number and called back ( the number listed on the e-loan website was the same number I had been given ), talked with someone else who gave me the same information. I spoke with XXXX representatives of e-loan and XXXX representatives of Popular bank. Each said I needed to follow the e-loan process. I went on line to make the request yesterday. When I entered my information to set sign into the account ( I was really setting up and account because I could not find the original account information ), I received an error message. I also sent an e-mail to Popular Band customer service but have received no response. I am worried that I have been the victim of a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is inaccurately reporting bankruptcies on my credit report. I have verified information with XXXX XXXX and forwarded the information from XXXX XXXX to Experian confirming that they are indeed not reporting this information to Experian but Experian has not removed this information from their reporting. This is a common practice for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

By 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 has violated my rights : 1. XXXX ( Miscellaneous ) 2. XXXX  ( Miscellaneous ) 3. XXXX XXXX ( Miscellaneous ) 4. XXXXXXXX XXXX ( Miscellaneous ) 5. XXXX XXXX ( Miscellaneous ) 6. XXXX XXXX ( Miscellaneous ) 7. XXXX XXXX  ( Finance ) 8. XXXX XXXX XXXX ( Bank ) 9. XXXX XXXX XXXX ( Miscellaneous ) 10XXXX XXXX XXXX ( Miscellaneous ) 11. XXXX XXXX XXXX ( Finance ) 12. XXXX ( Miscellaneous ) 13. XXXX XXXX  SERVICES ( Bank ) 14. XXXX XXXX ( Miscellaneous ) XXXX5 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not get any letters from this company to let me know if they are investigating or not.
Product: Credit reporting

XXXX XXXX XXXX XXXX listed collection accounts on my credit report for XXXX XXXX on XXXX XXXX, XXXX. However they listed the original reporting date as XXXX XXXX, XXXX. When I called XXXX XXXX XXXX XXXX ( XXXX ) I spoke with XXXX XXXX a Collections Representative on XXXX XXXX, XXXX he indicated the actual debt occurred in XXXX XXXX and had already been paid by XXXX my auto insurance carrier under my personal injury protection ( PIP ) coverage in XX/XX/XXXX. I then spoke with XXXX XXXX XXXX XXXX for ( XXXX ) and he advised me of the same. However this account was actually paid prior to it being updated on my credit report on XXXX, XXXX which they knew false information was being provided to Transunion. However I did notice the changes to my credit report until I checked on XXXX XXXX, XXXX through XXXX XXXX XXXX. Transunion failed to calculate the timeliness of this reporting as being out of the statue of limitations for the State of New Jersey which allows a XXXX ) SOL on all debts. Also this debt involves medical information, Transunon requires me to contact a special handling person in order to discuss or file any disputes as they see them as frivolous or being done by a third party credit repair company. I check my all XXXX of my credit reports monthly and these collection accounts was never reported until XXXX XX/XX/XXXX. 
XXXX has agreed to delete the accounts as they are not accurate as they have admitted and XXXX XXXX asked me why it took XXXX so long to pay the medical bill and I reported to him that was a question for XXXX not me. According to the FCRA : Duty to Correct and Update Information - If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify allCRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Transunion also had an obligation under the FCRA to report accurate information in which they should have questioned the update status as they collection accounts never appeared on my credit report until XXXX XXXX.
Product: Mortgage

My husband and I were looking into purchasing a second home in XXXX, XXXX we were told by our mortgage broker that we were pre-approved up to {$220000.00}. 
At which point I asked for the pre approval letter and was given the run around by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Direct : ( XXXX ) XXXX Office : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX # XXXX, she told us she would send it to our realtor XXXX XXXX once we have chosen a property - which we did. XXXX XXXX XXXX also tells me she never received the pre-approval letter from the mortgage company. 
When we first applied for the loan we understood that our debt to income was high that we needed to pay off some bills - which we gladly did. As time went on she told us we needed to pay all pending debt which she knew we could n't do because if we did so we would not be able to afford this home. Her answer to me was " well I guess you 're going to lose your earnest money ''. My Husband " XXXX XXXX '' emailed her the following day ( this last Monday ) to see why the situation had changed - she never replied. 
I soon called XXXX XXXX XXXX and tried to get a loan through them and they said we simply did not qualify. Then I tried a second lender and got the same answer. 
Had I 'd been advised from the beginning that we did not qualify for the loan, we never would have paid {$20000.00}. in debt nor would we have flown up to XXXX ( and spent more money ) to look at homes. We are in the middle of trying to sell our current home in XXXX, XXXX and these funds could have been towards this. 
It seems to me that XXXX XXXX was just trying to make a quick buck! I do not understand how I can be pre-approved and then be rejected by all other lenders. This was extremely unethical and it is because of such business practices that we are in the shape we are in!!! 

Please help! 

Sincerely, XXXX XXXX
Product: Student loan

For over a year I have been trying to lower my payments with XXXX, a loan service provider for MEFA. XXXX does not even allow you to access your payment history online so I am not able to give an exact date when I began trying to get lower payments. I was on an interest only repayment plan for a $ XXXX loan for 48 months after graduating from XXXX College and at that point the payments were as high as I could manage as I also have another private loan and federal loans with XXXX totaling $ XXXX. The interest only payments for XXXX were approximately {$200.00} per month in total and that is the maximum I can afford on my current salary. A year ago they said that I had exhausted my time on an interest only plan and that I had no other recourse. They proceeded to double my payments to over {$400.00} per month, which I was supposed to pay on top of the other {$600.00} I was paying to XXXX. I only make $ XXXX per year and I live in one of the most expensive cities in the USA. I called XXXX again on XXXX XXXX, 2017, and told them I needed to go on a interest only plan because I absolutely can not pay {$400.00} per month. They said sure and said that they would email me an application for interest only within a week. I did not receive anything. I called back in one week on XX/XX/XXXX, today, and they told me the same story I 've been hearing for the past year, which is that I 've exhausted my interest only payment option and that there is absolutely nothing that they can do for me so I can make a manageable payment per month. I want to make a payment and be current with my payments but they are asking me to do something that is completely impossible and they are not willing to work with me at all. XXXX should work with their students so that we can make monthly payments. Even though at interest rates of 6.9 %, I will probably never in this lifetime be able to pay these loans off. The fact that I was allowed to take on this much debt as an XXXX-year old is shameful. I would never have made this decision if I understood the consequences. There has to be something that can be done.
Product: Credit card or prepaid card

My family and I had a total of 4 credit cards through Capital One. 
One XX/XX/XXXX, we were alerted to a possible on my wife 's credit card for a {$400.00} cash advance. I told Capital One it this was not from her ... .this cash advance was attempted somewhere in NJ - we are in Southern California . 
On XXXX, we were alerted to 2 other possibly fraudulent charges on my card. One was for {$530.00} - XXXX XXXX and the other was {$320.00} - XXXX XXXX. Both in New Jersey. Again, we are in So. Cal and disputed these charges. 
On XXXX we were alerted to ANOTHER possibly fraudulent charge of {$230.00} at XXXX  in NJ. This was on my daughter 's cc. Again, not us. 
XXXX my son 's card was used for {$26.00}, again, not us. 
Capital One supposedly investigated these after our assurance they were not our purchases. My daughter 's and son 's were deemed indeed fraudulent. The original {$400.00} never showed up on a bill. The {$530.00} & {$320.00} on my card were deemed NOT to be fraudulent. Apparently because they said the actual card was used, and this they consider impossible unless OUR card was actually there. I can assure you we were not there. 
We called many times, wrote a letter, asked to speak to supervisors, and were told the case was closed and we were liable.
Product: Mortgage

Since XX/XX/2019 I have been requesting NewRez LLC to conduct a new escrow analysis on my VA home loan they service on behalf of XXXX XXXX ( XXXX ). 

Emails go unanswered, phone contacts take 25/30+ minutes to speak with an agent who can not help with escrow .... I do not receive email responses. The only written response I received was dated XX/XX/XXXX. NewRez has been collecting well-in-excess of what is needed for my escrow to pay property insurance and property tax. These monies will not earn interest and would be better used for principal or other payments.

NewRez has a customer service culture of ignoring requesting and failing to respond in a timely manner. I have called them four times since XX/XX/XXXX and emailed a similar number of times. I have received no response.
Product: Debt collection

On XX/XX/2024, I began receiving calls from National credit systems. Upon answering a call at XXXX, I promptly told them to put me on their do not call list. I received three subsequent calls within 5 minutes of them harrassing me after I made the request. I answered the final call at XXXX to notify them again that I made a previous request to be on the do not call list. After stating this the person on the other end of the line began to laugh. 

These calls were made after I provided a request to the company to have all communication be in written form.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate 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 who the report relates, I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but TransUnion is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Product: Debt collection

the original debtor XXXX XXXX  wrote off the debt making it no longer being due. 

On XX/XX/2024 I submitted a certified letter LVNV to submit proof of aggravated value of purchase. I also requested that they stop all form of communication. I continue to receive calls from all kinds of phone numbers and when searched via XXXX it advises the numbers are tied to there organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the XXXX credit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, XXXX, XXXX, and Equifax refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.
Product: Debt collection

I was contacted by Jefferson Capital Debt Collection company about a XXXX account that I had been in arrears, and was recently paid off in the last 60 days, from phone number XXXX. 

The debt collection company representative disagreed with me about the fact that I had paid the account off, and further stated that due to the age of the account that they knew that they could not sue me for the amount in question by them. 

They further continued to argue abusively toward me that they had never received the settlement amount that they purposed via the U.S. Mail. 

I advised them that they were or could be ... in violation of the T.C.P.A. laws for calling my cell phone, and to not ever call me again, because their telephone operator/representative kept yelling in my ear lies about me not paying their account they represented in full.
Product: Checking or savings account

On Monday, XX/XX/2022, I walked into Citibank located at XXXX XXXX XXXX, XXXX, CA XXXX and inquired about opening a Non Interest Bearing Trust Account for my XXXX XXXX XXXX. I spoke to XXXX XXXX who explained that they do have these types of accounts and that he needed my Certificate of Trust and the XXXX number for the XXXX XXXX XXXX to send to the legal department ahead of time so they could review it since it takes a few days. I provided XXXX XXXX my recorded Certificate of Trust and the assigned XXXX number for my XXXX XXXX XXXX from the Internal Revenue Service so he could make copies. I then scheduled an appointment to return to open the account on Monday, XX/XX/2022 at XXXXXXXX XXXX. 

On Monday, XX/XX/2022 at XXXX XXXX I arrived at Citibank and sat down to meet with XXXX XXXX to open the account. XXXX XXXX asked me to provide him with the notary jurat page of my Certificate of Trust as he stated the back office said they needed it and had not received it the week prior. I provided this to XXXX XXXX and we chatted as he began to set up the account on his computer. XXXX XXXX asked many questions regarding the account and asked was I interested in other products and services and that he just needed me to provide my social security number to unlock additional benefits, I declined. 

After being in the bank for approximately XXXX minutes XXXX XXXX paused and stated that he would not be able to open the trust account without having my social security number, I refused and stated I should be able to open this trust account with the XXXX number for my XXXX XXXX XXXX  XXXX XXXX stated that it was bank policy and I asked to be provided with a hard copy of said policy that stipulated this. XXXX XXXX said he did not have a hard copy and turned his computer towards me so I could see some verbiage that he claimed was internal to the bank and that my social security number was required to open the trust account. 

I asked for a copy of what he had on the screen and he said he could not give me a copy. After a few moments I stated that I would give him my social security number so he could open the trust account provided he sign Form XXXX XXXX No. XXXX that way he could collect the $ XXXX FDIC Insurance and I could open my trust account while limiting access to my social security number. XXXX XXXX said he refused to sign Form XXXX XXXX XXXX. XXXX. 

I then asked to speak with the Branch Manager and he stated that he was the Branch Manager. I asked to speak with his supervisor and he wrote the name XXXX XXXX on the back of his card with the number XXXX. 

I went to Citibank to build a relationship since I had never had an account with the financial institution ; therefore, they did not have access to my social security number as the guarantor of any accounts opened. They now have my trust information, XXXX XXXX, my source data and still denied me opening the Non Interest Bearing Trust Account for my XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/ Wise had closed my business account which has over XXXX XXXX without any notice due to unspecified reasons. As a customer, i deserve to know why my account is closed. This has caused a significant damage to my small business as i have over XXXX XXXX locked in in Wise account. I am small XXXX seller, I primarily sell on XXXX XXXX and receive regular deposits from XXXX in my Wise account and pay to my XXXX shipping partner and vendor. I have already filed an appeal but Wise is not answering to emails. As a small business, this event has paralyzed my business. My Wise account details are as follows : Business Name - XXXX XXXX XXXXXXXX Registered Email - XXXX XXXX
Product: Student loan

Navient has been told not to contact me at work, and has been calling my employee number 4/5 times a day. At this point it is harassment to not only me but my co-workers and is not accepted at my job! Have been told by me and my employer not to contact me at work and they will not listen