23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022, I submitted my, full, mortgage payment via the loan servicer 's client portal ( LoanCare ). On XX/XX/2022, I received an email stating my mortgage payment submitted on XX/XX/2022, was reversed. I called my loan servicer to see why my payment was reversed. The representative could not tell why my payment was reversed and advised me to contact my bank to see if there was an issue on their end. I called my bank and spoke to a representative that verified the funds were available for payment, however, there was no record of request from my loan servicer for my mortgage payment. I then called my mortgage servicer and verified my banking information on file with a customer service rep. My banking information was correct, and I resubmitted the payment again on XX/XX/2022, using my same banking account via the loan servicers website. I received another notification on XX/XX/2022, requesting a return call to my loan servicer. I called and spoke with a customer service rep and was told my payment was reversed for the second time for XX/XX/2022. I again verified my banking account information with the customer service representative from my mortgage servicer. I then submitted my payment via the live customer service representative and gave permission to debit my mortgage payment from my banking account and my payment was submitted. I received a third notification that my mortgage payment was yet again reversed. Now my mortgage payment is 30 days late, has disqualified me from completing the loan assumption process, reported late to all three CRAs, and lowered my credit score. I spoke with a manager for my lender and was advised to mail in a cashier 's check for XXXX and XXXX 's payment, give the payment time to process and submit a dispute to the mortgage servicer 's payment research department to dispute the 30 day late payment. I did exactly as I was instructed, and I got a cashier 's check the same banking account I used to submit the previous three payments. However, the mortgage servicer would not fix the late payment issue. The manager even waived the late fee because I sent documentation from my bank showing the entire amount of my mortgage payment was in the account since XX/XX/2022, and there was no changes/activity in the banking information in the month of XXXX. I believe this is unfair reporting. I submitted my payment three times and did everything possible to ensure my mortgage payment was not late. But due to their system error my mortgage payment was flagged as 30 days late for the first time since I opened this loan.
Product: Checking or savings account

We switched our business bank account from XXXX XXXX to XXXX XXXX and updated it on our square account. 

Square holds nearly {$2000.00} of our money in savings, these funds are from day to day business operations and need to be accessible.

After changing bank account, Square informed us that account funds transfers would be unavail

able for the next 24-48 hours while they review the account to make sure everything is okay.

Flash forward two weeks later, multiple phone calls, case escalated, and we still have no access to our funds. 

We will loose our entire business if we do not have access to these. If this does happen, we will be filing a lawsuit against Square Financial Severices.
Product: Debt collection

IQ DATA HAS BEEN REPORTING A FALSE/INACCURATE DEBT ON MY CREDIT REPORT FOR 5 YEARS. I have disputed this and requested debt validation, itemized list of charges, statement balance, amount IQ DATA paid for the debt & proof of interest accrued & have received no response.

I have both called in directly to IQ DATA & have sent numerous disputes & requests for debt validation to them over the course of 5 years. I have never been provided these requested documents or debt validation.

IQ DATA, by law, has had a window of time to respond to these requests & they have chose to blatantly disregard my requests. 

Upon speaking to a direct agent at IQ data, the agent could not provide a debt validation letter per my request nor could he provide any amounts, charges, interest information when asked. The representative claimed that he received information from the alleged original creditor, and when asked to submit that information to me, the representative stated that he could not do that. 

The amount of this debt has been reported at various different amounts over the years. The amount is Lowered & then raised again which indicates inaccurate reporting.
Product: Credit reporting or other personal consumer reports

There is a business debt thats on my credit that should not be on my personal credit. The debt is from XXXX XXXX  from about 6-7 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with STUART-LIPPMAN & ASSOCIATE INC, I  sent a debt validation letter on to them certified mail return receipt on XX/XX/XXXX, and never received any response from them. They received the certified letter on Monday, XX/XX/XXXX. As you can see in my letter I have asked for validation, bearing my signature, showing that I have or ever had some contractual obligation to pay Stuart-Lippman & Associate , Inc. This negative mark found on my credit report from this company is a violation of the FCRA & FDCPA. I never received the paperwork as asked. I have asked XXXX to validate the debt bearing my signature and ask for a method of verification, and still nothing. Yet every month it is on my credit report paid was a collection. This debt is not valid or have been validated bearing my signature, and should not be on my credit report. If STUART-LIPPMAN & ASSOCIATE INC can not provide all the validation this account MUST be DELETED. XXXX deleted the account as they found there was no validation of the account. This account was closed XX/XX/XXXX Also, reporting a debt to the credit reporting agency, XXXX that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ),  and carries a fine to be paid to me.
Product: Student loan

I recieved an email from a company called XXXX XXXX XXXX claiming to help me forgive my student loans on XX/XX/2024. This is their website XXXX XXXX XXXX  I am unsure if this is a legitimate company because they asked me for my XXXX username and password, ssn number and address and told me to make 5 monthly payments of {$270.00} and my student loans would be gone. I am unsure if this is a scammer hence why I am making this report. I called back and told them to delete all of my account information they had on file and changed my XXXX password. I also filed a complaint report with XXXX specifically to monitor my student account for any fraudulent activities. Reporting a company with no email letterhead or any stamp to signify what company they are working for, thank you.
Product: Checking or savings account

Truist Bank charged me ( 9 ) overdraft fees within a 2 day period {$36.00} a piece. They also charged me a transaction fee {$75.00}. In which I have never heard of before. These fees caused me to be in debt- {$550.00}. {$300.00} fees from the bank alone. This is clearly a violation of Electronic Fund transfer Act. I demand a refund of all illegal transactions.
Product: Debt collection

Portfolio Recovery Associates continue to falsely report that I owe XXXX XXXX XXXX  {$960.00}. I have had and continue to have a banking relationship with XXXX XXXX XXXX  to this date. I have a savings, checking and credit with XXXX XXXX XXXX. I repeat, all my XXXX XXXX XXXX  accounts are current and up to date.
Product: Credit reporting

I went to the Experian website to look at my " free '' credit score as advertised on television and all over the webpage. Turns out they charge you {$1.00}. I did not know that by paying the {$1.00} fee they enroll you in a monthly membership that charges {$21.00} a month. I was charged twice before receiving my credit card bill and noticing the fraudulent charge. To cancel, the company forces you to call them. I called to cancel and request a refund. They cancelled my " membership '' that I never wanted and never signed up for and refunded one charge but refused to refund the other one because " it 's their process. '' All XXXX of the call center representatives with whom I spoke refused to transfer me to someone who would solve the problem. They kept insisting on giving me an email address. Why should I have to email when " their process '' according to the website forced me to call them in the first place? On top of that, the last agent I spoke with hung up on me despite my request that he not hang up on me. I was civil but firm the entire call. There was no acceptable excuse for hanging up on me. This company is a fraud and participates in false advertising practices. I posted a complaint on their XXXX page and noticed that every post from non-employees was a complaint about this same issue. They are not up-front with their practices and trick users into paying for a service that is n't wanted.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have filed multiple disputes with TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite these efforts, the incorrect information has not been corrected, and no satisfactory resolution has been provided. 

Violation of 15 USC 1681i ( a ) ( 1 ) : The credit bureaus failed to complete an investigation of my dispute within the mandated 30-day period, delaying the correction of inaccuracies.

Violation of 15 USC 1681b ( f ) : The credit bureaus did not follow proper procedures in ensuring that the information reported on my credit report was not misleading or inaccurate.

Violation of 15 USC 1681c ( a ) : The credit bureaus continued to report outdated information that should have been removed after the legally required period, breaching the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX  XXXX
Product: Prepaid card

I was given this card as a gift a while ago. Anytime I have attempted to use it is declined. I have attempted in stores where American Express is accepted as well as many different websites that take American Express. In my research, i found that you may need to register the card with American Express in order for the card to work. I called and registered the card. I attempted to use it again on various websites that same day with no luck. After waiting a couple of weeks, I tried again thinking it just needed time to update in their system but no luck yet again. I'm sick of spending so much time online trying to figure out how to use a measly {$50.00} gift card. It's ridiculous. Do not waste your time gifting anyone with an American Express gift card. Make it easy and hand them the cash instead. If a card is needed, I have never had any issues using the XXXX one. At this point, I just want my {$50.00} so I can use it.
Product: Debt collection

XXXX XXXX Account number : XXXX Vehicle Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TD Auto Finance XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Disputing error [ s ] on credit report To whom it may concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. The report shows I currently owe {$3200.00} and also I have been late of payments from XX/XX/XXXX to XX/XX/XXXX. However the account has been closed since XX/XX/XXXX when was determined a total loss due to damage of car. The company received payments from my insurance company as well as my GAP coverage and all other vehicle contracts payment which is listed in payment history which should have cover the balance of the car. I recently obtained credit report in XX/XX/XXXX and discovered the company had a balance of {$3100.00} and late payments from XX/XX/XXXX to XX/XX/XXXX payment status charge-off. I was aware the company received payments from all insurance companies and believed account was paid in good standing. Once I reached out to the company and disputed the issue with all three credit consumers in XX/XX/XXXX to fix errors XXXX XXXX XXXX stated the balance was incorrect and requested time to fix error but stated they did not have to reach out to me about any balance been owed however that would have help the situation if company communicated before adding late payments and incorrect balances to my credit. After the dispute I received my updated balance which is {$910.00} XX/XX/XXXX. I reached out to company once again to ask why did they update the balance to {$3200.00} and also the late payments from XX/XX/XXXX to XX/XX/XXXX on my credit report. The company stated the balance of {$910.00} need to be paid before updating my credit report but have once again updated false information as you can see in XX/XX/XXXX and the credit reports giving. I will like the information removed immediately from my credit report which is making it hard for me to open other lines of credit. This matter should have been handled with better judgment and I know the account has been updated but not correctly. I have never missed a payment and should have received a letter months ago pertaining this matter. 


I have attached both copies of my report with the accounts from XX/XX/XXXX and XX/XX/XXXX it shows they did not update it to the correct balance also they added more money to balance and more late charges. The payment history I obtained from company. Also the only letter I received from the company this year regarding the balance. 


Thank you for your assistance. 

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

On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit card or prepaid card

I have submitted a dispute for XXXX charged to my credit card on XX/XX/2019. Citibank has accepted this dispute only after I have complained to CFPB last month that Citibank had been refusing to accept my dispute. 
However, Citibank does not process my dispute according to the law, and they refuse to provide any information to me about the status of my dispute. 
When I contact Citibank I am subjected to XXXX abuse from their employees who tell that they are based in XXXX. these employees belittle and humiliate me. When I complain to them, they then tell me that they refuse to communicate to me on instruction from Citibank, They also refuse to provide their last names. The three employees that I communicated with all said they are in XXXX and that their legal names are XXXX, XXXX and XXXX. They all give American-sounding names. I submit to CFPB that Citibank instructs and/or allows their employees to give false names and racially abuse me, I insist that Citibank resolve my dispute and provide the credit for the disputed amount and cease XXXX abuse directed towards me.
Product: Debt collection

My student loans are in default but I have had a wage garnishment that has been paid every 2 weeks for 6 years. Although the CAREs act suspended collection Performant Recovery continued to collect wage garnishments bi-weekly until I filed a complaint in XXXX regarding their contacting a coworker. The garnishments stopped without notice. Recently HR returned a payment to me from XX/XX/2020 that was returned by Performant Recovery to HR. In compliance with the Cares Act is Performant Recovery required to return all payment received between XX/XX/2020 and XXXX 2020? I continue to receive weekly calls from Performant Recovery in effort to collect a debt. Please advise what next steps should be.
Product: Credit reporting

I asked that the information for University XXXX to be validated and what ever they reported to the CRA it was claimed to be valid. I have written to University XXXX twice and they have not responded to me. They just keep validating the debt with the CRA so I have recently written to the CRA asking them to provide to me the information the creditor is supplying them that allows them to keep stating the debt has been validated. I have nit gotten a response. I also have asked that accounts for XXXX to be validated and I have not gotten any response from the Creditors nor the CRA 's. I have also written to this office as well fairly recently in regards to this same issue. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is miy third attent to remove this account. 
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my XXXX  , Sagestream and XXXX file to avoid further litigation.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES I disputed the debt via online portal and via written communication and requested validation of debt. The company did not provide full validation and continued to report the accounts on my credit file. This has caused financial hardship as a result of their actions.
Product: Debt collection

On XX/XX/XXXX, I responded to a letter stating I owed a debt to ConServe. This debt spans back to XXXX and I was never made aware of this. 

In an attempt to be provided the evidence that a debt vas correct and valid, I drafted a " Debt Validation '' letter and sent it via certified USPS mail. It was received by Conserve on XX/XX/XXXX. They have not sent any verification of debt nor have they provided any correspondence. 

I am attaching the pre-paid label I used to send the letter, along with tracking and confirmation of receipt by signature. 

I am attaching the letter itself that was sent. 

I am attaching the USPS Proof of Delivery receipt. 

They have 30 days to respond in writing which they have failed to do.
Product: Credit card or prepaid card

On XX/XX/XXXX {$720.00} to " XXXX '' XXXX shows several complaints about this merchant. 
I've never owned or purchase anything related to pools or hottubs. This is a fraudulent purchase. This was my " Chase XXXX  Visa '' and may have been compromised in the XXXX hack. 

Chases rebill department is unavailable to tell me why I'm being rebilled.
Product: Credit reporting or other personal consumer reports

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Equifax Credit report. The inquiry that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRY! 
XXXX XXXX XXXX, 2024
Product: Credit reporting or other personal consumer reports

Following 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. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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. Please delete the accounts listed below : Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX Date of inquiry : XX/XX/year>, Bureau : TransUnion