23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the practices of Security Credit Service, a collection agency that has been operating in the financial industry. Based on the information provided, there are four laws that this agency must abide by to ensure fair and legal practices. XX/XX/year> XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits abusive, deceptive, and unfair debt collection practices. Security Credit Service must adhere to the guidelines set forth in this law when attempting to collect debts from consumers. 

2. Gramm-Leach-Bliley Act ( GLBA ) : This law requires financial institutions, including collection agencies like Security Credit Service, to protect the privacy and security of consumers ' personal information. The agency must take appropriate measures to safeguard sensitive data.

3. Fair Credit Reporting Act ( FCRA ) : Security Credit Service must comply with the provisions of the FCRA, which governs how consumer credit information is collected, used, and reported. The agency must ensure the accuracy and integrity of the credit information they report.

4. Consumer Financial Protection Act ( CFPA ) : This law empowers the CFPB to take action against financial institutions, including collection agencies, that engage in unfair, deceptive, or abusive practices. Security Credit Service must operate in a transparent and ethical manner to avoid violating this law.

I urge the CFPB to investigate Security Credit Service 's compliance with these laws and take appropriate action if any violations are found. It is essential to protect consumers from predatory debt collection practices and ensure that their rights are upheld. Thank you for your attention to this matter. Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX, Georgia
Product: Mortgage

After closing my mortgage account with Chase Bank they have shorted me on my disbursement check. I had XXXX conversations with Chase representatives prior to my closing date of XXXX/XXXX/XXXX to confirm the amount that I would be receiving after my account was closed. This amount would include overpayment of my escrow account and overpayment of my mortgage payoff. I made my final payment on XXXX/XXXX/XXXX ( due date was XXXX/XXXX/XXXX ). The payoff quote was dated for XXXX/XXXX/XXXX so with my account being closed on XXXX/XXXX/XXXX ( the day following closing ) I paid on the account for 15 days that I did not own the home. Chase is refusing to reimburse me for these days although I was told twice prior by XXXX different Chase representatives. Also there was an issue with my escrow account in which Chase withdrew funds to pay my property taxes on XXXX/XXXX/XXXX. Chase states that my property taxes were paid at that time when in actuality they were not paid until XXXX/XXXX/XXXX. This created issues in receiving my overpayment of escrow disbursement. These funds which are mine were no where to be found for 25 days. I assume that they were in some account or stock drawing interest of sort for Chase. I have been taken advantage of by a large bank and I 'm sure several others have been as well.
Product: Mortgage

my mother had an equity loan with suntrust bank which at the time me and my wife co sighed for with her payments we always being paid my mom passed away we continued to pay my wife was in a car wreck which put her out of work we owned another house that we sold split the money up to catch up on payments went to suntrust to make payment the teller refused it said they turned it over to collections they said it is now a mortage i tried to work with them for a loan modification after months they refused said even if i paid the rears to catch up they show no records where we co sighed also paymet would go from {$400.00} per month to {$1200.00} i had to send moms death certificate and show i was in charge of her estate i am on XXXX and this loan is not the first mortgage i am trying to keep my home and put both loans together seems like i can not find any help i really want to keep our home
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer 15 USC 6809 ( 9 ). 15 USC 1692a ( 3 ). 12 CFR 1026.2.

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1- XXXX XXXXXX/XX/XXXX. 
2- XXXX XXXX XXXXXX/XX/XXXX. 
3- XXXX XXXX XXXX XX/XX/XXXX. 
4- XXXX XXXXXXXX XX/XX/XXXX. 
5-XXXX XXXX XXXXXX/XX/XXXX. 
6-XXXX XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$2800.00}
Product: Debt collection

Today I received notice from Commonwealth Financial Systems in regards to an alleged debt owed of {$120.00} from the previous collection agency ( XXXX ). I already requested validation from XXXX just weeks ago. XXXX stated that the account would be closed last week and removed from the credit reporting agency. Now Commonwealth is attempting to collect on an account that I previously requested validation on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have disputed account which Transunion reported as late payment. I asked them to send me some kind of information as to why they say the account is verified, true and correct. But they failed to give me. The error has affected my credit score.CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Vehicle loan or lease

I have been paying on a car with US AUTO SALES for 2 years, and the money has not been going towards my loan. Im disputing this money and requesting it back.
Product: Debt collection

I disputed a debt in writing that a debt collector said I owed and stated in the dispute letter to cease further communication with me or others except for providing me further verification of the debt. I also stated that if they notified a credit agency of the debt that they must tell the credit agency that the debt was disputed. The debt collector both called me again after receiving my letter, never provided further verification of the debt, and reported the alleged debt to the XXXX reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  cease ALERT ALERT ALERT XXXX  IS GOING TO DELETE " 3 '' XXXX   XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN XXXX!!!!!!! 
ALERT CFPB XXXX  HAS NEVER REPORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION XXXX .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... XXXX  YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! XXXX you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT XXXX  MESS ... XXXX  CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX   award from XXXX. I WANT DAMAGES XXXX. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that XXXX deleted three XXXX  XXXX XXXX accounts ending XXXX XXXX I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN XXXX  I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON XXXX  DISPUTE ATTACHED XXXX XXXX XXXX Do not delete XXXX  you have never reported theses on my name no wonder I have identity theft. ALSO TRANSUNION AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; DP OF EDUC XXXX ; DP OF EDUC XXXX XXXX DP OF EDUC XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had my whole bag stolen from me while I was at the gym I was not in possession of anything. There are chargers to my cash app that I did not authorize and Cash app is telling me that I authorized. I got into a car accident a while ago and I have trouble remembering passwords in my notes app in the phone I have my passwords and pins logged and saved in the app. so possibly the transactions could have went through with such passwords. I reported it when it happened but yet Im being faulted and have yet so see the money I am missing. Everything was taken from me.
Product: Student loan

I am on the XXXX plan and was told no interested would accrue during the administrative forbearance then just got an email today saying that interest is still accruing
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX XXXX Account # : XXXX Balance Owed : {$240.00} Date Opened : XX/XX/202XXXX XXXX XXXX  Account # : XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have had damages by the equifax data breach and have had financial loss as been impacted by inaccurate investigation practices on to accounts XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

IN REFERENCE TO THE COMPLAINT XXXX The Citi had responded with a letter that is not clear and didn't mention the result of the claim Credit Protection Membership for XXXX Account Claim Number : XXXX ; Instead the letter indicates that I was qualified for a hardship program with no details, balance or breakdown information in regards. 

They have requested a lot of paperwork and I have spent a lot of money collecting the requested paperwork and certified email and they didn't respond yet. Attached the letter they sent and previous letters I have sent to them by mail and fax. Before that it was a lot of correspondence to another divisions they instructed me to sent the paperwork as well. 

The purpose of the insurance was to protect the balance of the credit card, then I was evicted and I had many financial and health struggles to this day and this company after charging {$100.00} per month in the insurance, is now avoiding the application of benefits, and did not provide a direct answer. This program and services are very deceptive. 
XXXX Previous COMPLAINT XXXX background details : I notified Macys Customer Services since XX/XX/2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having XXXX XXXX and XXXX   XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security XXXX ), leaving here and there without home and looking to move forward with my financial situation.
Product: Mortgage

My closing is set for XXXX today Bank of America is my loan backer. I received a call from the title company that I need to wire {$11000.00} to close XXXX is a non profit that advertises no closing cost. I started the process with XXXX almost 3 years ago. My process was deliberately delayed by XXXX XXXX, time after time causing me to pay much more for the loan in terms of rate and funds needed to buy down. On the closing disclosure it states the builder XXXX XXXX is giving or crediting XXXX in excess of {$12000.00} why would XXXX receive {$12000.00} from the builder and I wire XXXX to the closing company? This makes no sense. No closing cost is no closing cost. When I first started this XXXX and Bank of America relationship I did not make as much money. When I reported my new income and job to XXXX XXXX everything got worse for me. There were delays after delays. Unexplainable, now I'm paying significantly higher for a loan that should have closed almost 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America made a hard inquiry on XX/XX/2023 without my consent or knowledge.
Product: Credit card or prepaid card

Synchrony Bank and PayPal have blocked my ability to access the credit portion of my account. Paypal blames synchrony, Synchrony blames pay pal. In the meant time, I have NO STATEMENTS I can access for various purposes. This is a circular process, being transferred back and forth between the two with no one taking responsibility.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  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 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.
Product: Debt collection

Bank of America tried to offer me about settlement after sold to the collect dept then it returned to Bank of America. I already explained that I am unemployeed since XX/XX/year> and I am on XXXX and receive XXXX and my income is low level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

2. XXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX XXXX  L Original creditor : XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX  XXXX  C/O XXXX  -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  & Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. This is my follow-up complaint regarding the submission dated XX/XX/XXXX. Despite our previous correspondences and the efforts made thus far, the fraudulent items remain unresolved. These entries are causing significant distress and negatively impacting my financial standing. It is imperative that immediate action is taken to rectify this situation and remove these inaccuracies from my credit report. I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Below are the fraudulent items that need to be removed from my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My equifax login is broken and customer service has sent me numerous password reset links and escalated the issue to for specialists to review with no success. For a few years now, when trying to log in I get the following : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX ) I am unable to access my report, score, or able to dispute the items that need to be fixed. Equifax has for at least a year, prevented me from accessing my report online or the ability to dispute errors. This has had a significant impact on my finances. I've even sent the disputes by certified mail with letters from credit grantor which Equifax just ignored. I'm in the process of consulting with an attorney to pursue legal action and even compensation for damages as a result.
Product: Student loan

I have had XXXX for my student loans for years. I contacted FAFSA ( Federal Student Aid ) and they told me to contact you. For years, I was unable to pay anything and they kept telling me to just go into forbearance. I did that for many years and now I am reading they did many wrong things to many people. Also, I have had these loans that I haven't paid much on and now due to all the interest ( forbearance seemed logical as they were the experts ), I owe XXXX XXXX dollars. I don't know if there is anything I can do about it but I feel they mislead me as all those years I probably could have paid a bit but they always pushed, " we can put you in forbearance. '' I don't know if anything can be done but this wasn't ethical-it simply seemed an easy way to just be rid of me and my concerns and fears. 

My email is XXXX and my phone number is XXXX XXXX XXXX. 
My name is XXXX XXXX Thank you for any assistance. 
I would like to lower my huge debt amount as I trusted them as my provider and now I have come to learn they mislead many people.
Product: Mortgage

To whom It may concern I am late 3 payment so far as Im unable to use my account do to that someone hacked my account and some one used my account debit card to make purchases I already reported as fraud and also reported to the authorities. The investigation is still pending and can take up to 90 days or more this has caused me to not used the funds that I have untill the investigation is over with and. Ow Im at a risk of having a foreclosure with my property i called Mr Cooper since the begging of this frauds and they were aware of it. Even tho they knew they still went ahead and started a demand letter with a default date of XXXX XXXX or XXXX to make a payment to avoid from been 3 payments late I told the lady I would do it as soon as I can get funds out to make a payment to void form been 3 payments one more and I loose my home by mr Cooper initiating a foreclosure against me it dad because and frustrated because mr Cooper knew about the situation and did not wanted to wait untill investigation is finished. 
I dont want to loose my home and I want to keep my home. As soon as this problem Is resolve I hope to go back on track and at least avoid from Getting more past due right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit report that I did not authorize from XXXX XXXX XXXX XXXX XXXX, global lending service XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted