23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX
Product: Mortgage

I hope this message finds you well. I want to address a matter of utmost importance. If you are unable or unwilling to assist me in filing a complaint, I kindly request that you connect me with your manager or someone who can facilitate the process. 

It is crucial that I file a complaint as soon as possible, and I appreciate your cooperation in ensuring that this matter is escalated appropriately. 

But The Manager XXXX XXXX at Flat Branch home loan not helped.
Product: Debt collection

A collection from my former place of residence has been placed with ProCollect. I have a Police Report as well as copies of stolen payment that were provided to ProCollect via regular mail and email to the representative that has continued to call my cell phone and try and contact me wanting payment for a debt that is invalid and they refuse to provide documentation for. 
A copy of a police report, as well as copies of the stolen XXXX XXXX payments, were mailed to this company. After being told by a XXXX XXXX that this documentation was not received and I should email it, I did that as well. Given that I am still receiving bills for {$830.00} in the mail and phone calls, this company clearly has not taken any action other than ignoring the documentation that was provided. 
I do n't appreciate the phone calls. I do n't appreciate the complete lack of documentation that this company has been able to provide regarding validating the debt. I especially do n't appreciate the fact that I have sent personal documents on two separate occasions and this company has yet to acknowledge that they even received them.
Product: Mortgage

Name : XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX, XXXX VA XXXX ; Phone Number : XXXX ; Email : XXXX ; Mortgage Servicer : Atlantic Union Bank ; Loan Number : XXXX ; Date : XX/XX/XXXX ; Subject : Complaint Regarding Unjust Late Fee Due to AutoPay Issue ; To Whom It May Concern, I am writing to file a formal complaint against Atlantic Union Bank regarding an unjust late fees that were charged to my mortgage account. Despite having autopay set up, I was recently charged a late fee because my mortgage payment amount changed, and the autopay amount was not automatically adjusted. Details of the Issue : 1. Autopay Setup : I set up autopay for my mortgage payments through the online portal provided by Atlantic Union Bank. The online form I was instructed to fill out auto-populated the amount of my mortgage payment at that time, which I authorized for automatic withdrawal each month. 2. Escrow Adjustment and Payment Change : On XX/XX/XXXX, my mortgage payment amount changed due to an adjustment in my escrow account. While this change was communicated to me by Atlantic Union Bank, the autopay amount was not updated automatically to reflect the new payment amount. 3. Servicers Position : When I contacted Atlantic Union Bank regarding the late fee, they stated that I had only authorized the original mortgage amount to be deducted and that I was responsible for manually adjusting the autopay amount whenever there is a change. This expectation was neither made clear when I set up autopay, nor does it seem reasonable given the autopay system was set up to handle payments automatically. 4. Late Fee Charged : Due to the unadjusted autopay amount, my payment was considered insufficient, and I have been charged monthly late fees of {$260.00}, e.g., on XX/XX/XXXX, XX/XX/XXXX. 5. Communication with Servicer : Despite my explanation and the fact that I relied on their autopay system to ensure timely payments, Atlantic Union Bank refused to remove the late fee. My Request : I believe the late fee is unjust because I set up autopay specifically to avoid such issues. The servicers expectation that I manually adjust the autopay amount each time there is a change in my mortgage payment contradicts the purpose of setting up autopay. I respectfully request the CFPBs assistance in resolving this issue. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX is reporting that XXXX accounts have the status paid in settlement. From XXXX to XXXX, I made several purchases. XXXX XX/XX/XXXX was the first purchase XXXX was paid in full never late, yet the status states paid in settlement. XXXX XX/XX/XXXX due to good payment history XXXX allowed me another purchase XXXX. All payments for that account were made on time never late and the account was paid in full. Again this account status is listed as paid in a settlement. XXXX XX/XX/XXXX again XXXX allowed me to make another purchase XXXX. As with the previous XXXX accounts, all payments were made on time, never late, and paid in full. Again this account status is being reported as paid in a settlement. XXXX then allowed me to make another purchase XXXX. On the account ending in XXXX, all payments were made on time, never late, and paid in full. I have disputed the XXXX accounts with XXXX and the credit bureaus. XXXX and the bureaus kept false, inaccurate data on my credit file. The bureaus failed to validate and verify the information according to the FCRA. 
XXXX continued to XXXX me credit on XXXX XX/XX/XXXX account ending XXXX. This account status is correct but have alleged late payments. I disputed this with the bureaus and XXXX back in XX/XX/XXXX which they both verified in the bull XXXX XXXX system but the payment ledgers show that all payments were made on time or in advance. I never just paid the minimum payments and was ahead often. On XXXX XX/XX/XXXX, I made a payment for XXXX which covered XXXX and XX/XX/XXXX. The ledger proves no late payments. 
XXXX opened my last account in XXXX in XX/XX/XXXX. This account has payments reported as late which is inaccurate. I paid ahead, on time, and never paid late leading to the account being paid in full. Again this was disputed but XXXX and bureaus verified and validated false information. 
The reporting of this false, unverified, inaccurate data is a violation of the FCRA and harmful to my character and credit worthiness.
Product: Checking or savings account

I was charged some service fees when I turned XXXX and no longer qualified for the bank 's waived service fees. I added {$500.00} to the account to avoid further service fees. However, I was charged an additional {$10.00}, bringing my total below {$490.00} again. My bank will not refund the fees because I had one of the two previous service fees charged after I turned XXXX waived already. I'm worried that the bank is attempting to keep me paying fees forever. After I made my complaint about the fees earlier, they disabled my ability to get statements and my account/routing numbers online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX  ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$19000.00} XXXX XXXX Balance Owed : {$280.00} XXXX  Original Creditor CELTIC BANK XXXX Balance Owed : {$1000.00} XXXX CRED ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Balance Owed : {$600.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2800.00} Medical XXXX Balance Owed : {$1200.00} XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$230.00} CAP XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX TBOM/MILESTO XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Account is illegally reporting on my credit collection is violating my privacy and HIPAA law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XXXX XXXX, 2016 I reviewed my credit report from the XXXX Credit Bureau and noticed an account from CMRE Financial Services , Inc . This agency claims that I owe them {$280.00}. Therefore I sent a validation letter requesting specific information about the account they claim I owe them. On XXXX XXXX, 2016 I sent the letter requesting proof on the account they claim I owe them. On XXXX XXXX, 2016 they sent a letter stating that they looked into my dispute. The letter I sent on XXXX XXXX, 2016 was a validation letter requesting specific information regarding the collection account that CMRE Financial Services , Inc claims I owe them. It was not a dispute letter. CMRE has not provided sufficient evidence that this account belongs to me.
Product: Credit reporting or other personal consumer reports

Capital one changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but capital one bank and capital one XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.
Product: Mortgage

I have been trying to get a loan payoff on my loan for almost a month now. I was told again that I would have it by today, Friday XXXX/XXXX/2016. I understand that I have not made payments however I am trying to settle the account on the sale of the home.
Product: Credit reporting or other personal consumer reports

Inquiries, Ive called and been given the run around and sent letters with no response or change directly. 
XXXX XXXX XXXX Discover financial service XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Product: Mortgage

When I first bought my home it was through XXXX, and something happened to where XXXX went bankrupt but they never let me know anything, I had requested documents from them as to the note, the payments and how they were being applied the balance but yet never received anything, and due to all this I too ended up filing bankruptcy and then XXXX bought out XXXX and when I was calling I was told to talk to XXXX, but they too never let me know they had taken over til after the fact, and when XXXX talked to me they stated that they were escrowing the account and putting it at a 3.5 percent, and if I received anything from them it would be for information purposes only and that they were not going to reaffirm the loan so it had been discharged with the bankruptcy, I then asked for the documents that they had received from XXXX they never sent anything to me I was immediately again in the dark about what they were doing, and about all aspects of the loan, and it was questions after questions and left unanswered. And then as I kept calling XXXX it came to where they told me that they were no longer over the loan and that I needed to talk to SPS select portfolio servicing, Inc. @ XXXX XXXX XXXX@XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX - XXXX and here we go again no one told me that they were no longer over the loan and SPS did not contact me either, and here I had no documents, and I explained again the problem to SPS and I again received nothing, they are running with amounts and too have handled the loan at the level of information purposes because of bankrupt, but there has been no transparency other than what they say and that is a problem that has trickled down starting with XXXX who left me hanging when they filed bankruptcy, and here I am in this horrible situation of losing my home, and just like XXXX and then XXXX and now SPS this customer rep XXXX XXXX has advised me not to send in any payments, that finally they are sending some documents, what I gave learned unless if you are in this field or very savvy about what they are doing they take advantage of people, I owe more than my house is worth but still is my home and want to keep it that way. I have been in the XXXX XXXX for over 33 years so where else can I run to, I do not know what is or is n't true with these banks or mortgage companies, what I do know is that this mess started with XXXX and here this giant went bankrupt failing its customers, so what do they expect from the little guy. I need someone who knows about these things to look into this because want to lo my home, it is not my fault what happened to XXXX and this mess that has trickled down, thank you, and feel free to contact me @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report it has been over 60 days and I still have not received a report. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging an account that Experian, XXXX, and XXXX are reporting on my credit report. They are reporting 2 late payments for XXXX XXXX XXXX XXXX when I was never late. I sent a letter many times informing them of this, but my request fell on deaf ears. I do not believe they started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I reached out to the creditor, and they informed that no one reached out to them to inquire about the account. I am demanding that this account be updated to paid, never late.
Product: Credit card or prepaid card

XX/XX/2018, I was prevented from enabling an external application to connect with my account.
Product: Credit card

I am being over charge by Comenity Capital Bank for services I did not receive. The bank has not responded to my requests.
Product: Credit card or prepaid card

I submitted the following complaint on XX/XX/XXXX with the XXXX and received the response that this complaint did not fall under XXXX parameters and to instead seek remedy with the CFPB. They may have also forwarded this complaint to you, but it was not clear the method. To avoid the risk of it being delivered by postal mail and delaying a response I am submitting this complaint. 

My complaint submitted with them is the following : I applied for the PenFed Pathfinder Signature Rewards credit card on XX/XX/XXXX and was approved. At the time I had a PenFed Access Checking account which allowed for the credit card to receive an annual fee waiver. 

I closed the Access Checking account on XX/XX/XXXX. I was then charged an annual fee on the credit card XX/XX/XXXX that reads " ANNUAL CHARGE XX/XX/XXXX THROUGH XX/XX/XXXX REFERENCE ID : XXXX '' Per PenFed 's website it states the following under the annual fee waiver for the credit card : " ***As a PenFed Pathfinder Rewards cardholder, if you qualify for Honors Advantage ( member of the military or XXXX XXXXXXXX or Free Checking account holder ) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change. '' https : //www.penfed.org/credit-cards/pathfinder-rewards-visa The last sentence that states I will receive advance notice of this change was not provided to me. I did receive an email on XX/XX/XXXX from PenFed informing me the card was no longer receiving the same reward points as it was previously, but nowhere in the email is it mentioned regarding the annual fee. 

Additionally, the language reads as an ANNUAL fee waiver. I opened this card on XX/XX/XXXX and the charge I received on XX/XX/XXXX indicates it is for XX/XX/XXXX Through XX/XX/XXXX. When I called on XX/XX/XXXX and spoke with a representative, she informed me that the annual fee would not be credited back and even if I closed the account I would still be subject to the entire {$95.00}, despite not receiving the full year of the card. 

I then inquired what would happen if I closed the account and she informed me the {$95.00} would be sent to collections. I stated I would not be closing it and would file a complaint as this was unsatisfactory. At no time did the representative offer any other alternatives. 

I seek a speedy resolution because I was not informed in advance of this by the credit union and they are requesting the {$95.00} by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Transunion that I am a victim of identity theft. transunion responded that they verified this fraudulent account as accurate. I do not agree with the response. I am stating that I am a victim of identity theft, the information listed on the FTC does not belong to me, and i have nothing to do with it.
Product: Credit card or prepaid card

On XX/XX/2022 chime authorized a payment of XXXX from my canceled card ending in XXXX with no no overdraft no spot me it was a secured account with XXXX dollars. I disputed it with chime dispute never went in my favor..Chime has unfairly closed my acct because of there lack of ability to take responsibility of there actions. And because so I lose points to my credit.im a single full-time grandmother raising XXXX gransons XXXX is XXXX  XXXX I use my credit to purchase XXXX  XXXX  they are hurting a XXXX  while affecting my credit score.