23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file CFPB and FTC ASAP!
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the reporting states Closed Date : is missing info to support. 
Account name : XXXX Account # XXXX
Product: Debt collection

On Wednesday, XX/XX/18 I spoke with an employee from IQ Data about a debt I owed. I explained that I planned on paying it the following month. The representative informed me that I had options to pay monthly if I contacted a list of third party providers she gave to me, which ended up being loan companies. She told me that if I agreed to pay {$100.00} that Friday, she would put a stop on the debt before it hit my credit report. I agreed. She began the formal process of approving the payment ( Do you authorize IQ Data to take a payment of {$100.00} ... etc ) and I agreed. The following day, she returned my call and asked if I made payment arrangements with one of the companies. I informed her that I was not interested in getting a loan and would pay the following month as I originally stated. She became rude and aggressive, saying that it would hit my credit and never be removed. I explained that when I paid the debt I would have it removed. She continued to escalate and argue so I terminated the call. The following day, the company attempted to take a payment for the entire amount, {$2200.00} which I never agreed to. They were declined by the bank both times. They then proceeded to charge smaller increments to avoid the daily charge limit. They were able to charge {$1000.00}, {$500.00}, {$500.00}, {$100.00}, and {$100.00}. {$2100.00} of that was never authorized or approved. This was clearly fraudulent and deceptive activity as they were purposely trying to circumvent banking rules. I attempted to call the company back and they would not answer.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

On XX/XX/2023 our property taxes were due and should of been paid through our XXXX account. These were not paid and still haven't been paid. The tax assessor office threatened to set an auction date for my house if they didn't get payment by XX/XX/XXXX. Since the mortgage company still hadn't paid through XXXX, I had to pay it myself. Here we are 3 weeks later and the mortgage company still hasn't paid me for the property taxes. I have the money just sitting in XXXX  and they won't get it together.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Mortgage

I am behind in my mortgage payments and have a foreclosure sale date scheduled on XX/XX/2016. I have applied for a loan modification with my mortgage company and they are saying they dont have enough time to finish the review and are going to take my home to sale. I need help in any way possible to get them to postpone the sale date. Please help!!!!!
Product: Credit reporting or other personal consumer reports

Card account was marked as charge-off with a balance of {$100.00}, and a XXXX XXXX XXXX XXXX  XXXX account was marked as charge-off with a balance of {$820.00}. Additionally, a collection account from XXXX XXXX XXXX for {$3700.00}, originally from XXXX XXXX XXXX XXXXXXXX, was reported. These accounts were not opened by me, and I did not authorize any transactions related to them. 
Upon noticing these discrepancies, I secured my personal information and filed an identity theft report with the FTC. I am requesting the removal of these fraudulent accounts from my credit report. The legitimate accounts that were closed in good standing include those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says that I lived in XXXX XXXX, XXXX and I have never lived in that state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been contacted on several occasions regarding issues and incorrect information within my credit report. Letters are sent to the credit bureaus and the creditor. The creditors are still fixing issues that they have been notified are incorrect and are violating the FCRA section 623 ( A ) ( 1 ) ( a ) The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 
Experian continues to not go through a full 30 day investigation. They update the information that I ( the consumer ) inform them of and reject my request to remove the information all together on my credit report. This has become unacceptable. Recently, they refused to delete a fraudulent account from my report to the point the creditor had to take extra measures to have the information deleted. They lied and stated the creditor kept the information as valid but the creditor continued to ask Experian to remove the fraudulent trade lines. Experian doesn't allow 30 days of investigation, less time, plus they just keep verifying info through a computer based system and not thoroughly investigating. The creditors are able to keep updating info they blatantly know is incorrect but CRAs don't enforce them on. This is out of order and violates several FCRA laws and code of ethics. Consumers have the option in written disputes to ask for them to be corrected or deleted. If the creditor was notified then they must be Deleted because they can not be corrected. This issue needs to be addressed immediately.
Product: Debt collection

I had paid off my final balance with a debt collection agency Halsted financial. They had double withdrew a payment. They took two payments of {$95.00}. I contacted them and they have yet to refund me.
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 XXXX XXXX {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

My mortgage was recently sold to Fay Servicing, NMLS ID XXXX. I have been in the process of refinancing and was seeking the payoff schedule. My new mortgage broker requested in XX/XX/XXXX but I didn't receive anything. I then called in to request again on Friday XX/XX/XXXX. I was told there would be a rush job to have a new payoff created and emailed to me by my case manager XXXX XXXX direct number XXXX. I then called back in to follow up on Tuesday XX/XX/XXXX. It was communicated to me that the contact on the XX/XX/XXXX did not request a new payoff and did not notify my case manager. The person that I called on XX/XX/XXXX then said they would request a payoff and instruct my case manager to get her supervisor approval to rush job and then email me the document. I called back into Fay Servicing and left a voice mail for XXXX, my case manager on XX/XX/XXXX asking her to call me and follow up on the payoff. At this point I had rescheduled my closing to refinance two times. I called into Fay Servicing Wednesday XX/XX/XXXX and was instructed by XXXX XXXX to have my loan officer call in to obtain a loan payoff request. This was because my access to the account, under my ex wife's name, had expired according to FayServicing (attached email thread with ex wife and co-borrower XXXX XXXX). XXXX XXXX did do this and both him and I have called every day to follow up. I left  a voice mail for XXXX XXXX on XX/XX/XXXX. XXXX XXXX, mortgage broker, has called twice per day since payoff request and each time when finally talking with someone they could not provide the payoff amount.  I am currently scheduled to close on the refinance Friday XX/XX/XXXX. Any help on this matter is much appreciated. Please see all email attachments confirming ongoing attempts by myself, my co-borrower and my mortgage broker to obtain a payoff number as to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT. IT SHOULD BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED TRANSUNION IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to reflect a payment or a credit issued to me properly. ( 5 ) Computation Error : The creditor 's statement has a computation error or similar accounting error. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX XXXX  - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report.
Product: Student loan

XXXXedloan. PSLF application. Takes over a month to receive replies to email with no response to the concern, just asking for more patience. Been almost 90 days since getting a letter to verify my employer eligibility to move my PSLF application forward. Ive been employed with the same eligible employer per Federal Fin Aid site since 2002 and making payments ever since. There is no reason to hold up my account with no specific response to my inquiries.
Product: Mortgage

I started this loan with XXXX XXXX in 2003 was having problems with payments so I did some deferments with the thought that they were put on the back of the loan is was then sold to XXXX now I'm with babies and it's at the end of mortgage in XXXX and I still have a XXXX balance what can I do and does XXXX XXXX owe me any money with that law suite.My understanding wasXXXX a month for 161 months which I think was enough please help! I'm XXXXXXXX military 23 years work for the XXXX XXXX XXXX for 19 years and planning to retire in about one year! Thanks XXXX l could XXXX
Product: Credit card

I purchased a chair in XX/XX/XXXX for {$1300.00} with a discount code and it was received damaged with missing parts. I contacted XX/XX/XXXX same day of receipt and asked for missing parts. I had not heard from the business for weeks and XXXX day while away an item was supposedly delivered and returned back as I had not ordered a second item nor authorized a purchase. Been in contact with XX/XX/XXXX for months who stated in thei communication that they received the item and that I was credited but I am getting the run around and have not been refunded for a returned item. Spoke to XX/XX/XXXX and the XX/XX/XXXX at XX/XX/XXXX CITI XX/XX/XXXX keeps REBILLING me with unauthorized charged for this return in an attempt to extort money and fees out of money when the retailer wrote via email and toldXX/XX/XXXXthat thye have the item and that I was refunded. I will not purchase here again. SEE ATTACHED DOCUMENTS HERE AS PROOF OF RETURN AND CREDIT BY MERCHANT!!! 

To whom it may concern, This customer was sent a full replacement chair as the supplying partner was not able to send just the part that was needed. Because a full replacement was shipped, a return was expected in our system- presumably, this would have been the replacement order after the needed parts were taken, but a return of either the original or replacement chair would have been accepted. 

We made several attempts to provide the customer with free, prepaid return labels, but the customer 's duplicate chair was never received. Our system identified the customer has having XXXX chairs in their possession, and a replacement charge was scheduled but never captured. 

A Customer Service agent completed the return in our system on XX/XX/XXXX. This generated an automated email to the customer stating the return was " accepted, '' but it does not actually confirm any item was received, only that the return was completed in our system and that no replacement charge will occur. 

The customer is in possession of XXXX chair, and has only been charged once. No other refund for this chair was promised or inferred. 

Sincerely, XX/XX/XXXX
Product: Credit card or prepaid card

I filed a dispute on XX/XX/2021 with American Express regarding a charge on my American Express Serve prepaid card for {$62.00} made on XX/XX/2021 to ship an envelope XXXX overnight priority through a third party shipper, XXXX XXXX XXXX XXXX. The package was delivered 3 days later than promised. Although XXXX agreed I should receive a refund or partial refund for not receiving the service I paid for, they said they are unable to process the credit because I went through a third party. The third party shipper is refusing to process the refund. Initially weather was used as a reason for the delay, however, that was debunked as the bad weather occurred the prior week, then I was told it was due to the pandemic - though they did not provide or post any notice or warnings of possible delays. I assure you if I was warned of any delays I would not have paid {$62.00} to send a piece of mail that would have cost XXXX XXXX to send through regular mail and would have arrived within the same timeframe. Furthermore, I was advised by American Express that I would be given a provisional credit if my dispute was not resolved within 10 days ( as per Regulation E ), which I have yet to receive. I contacted American Express Serve on XX/XX/2021 to inquire about the status of the dispute and the provisional credit, however, I was told I would not be given a provisional credit and I would need to wait up to 45 days or XX/XX/2021 for the final decision. They were not able to explain why I was not being given a provisional credit even after advising them of the Regulation E requirements.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Disputed charge : Did not authorize charge, did not recognize charge. Opened a dispute with LL Bean Mastercard. 

LL Bean Mastercard case # XXXX Transaction Date : XX/XX/XXXX, Amount {$50.00} Dispute first entered : XX/XX/XXXX {$50.00} On the statement, this information was shown : Transaction Date XX/XX/XXXX DESCRIPTION XXXX XXXX XXXX XXXX WA Amount {$50.00} Statement Date XX/XX/2023 Reference Number XXXX POSTED Transaction ID XXXX Merchant Category XXXX XX/XX/XXXX, signed the required letter and uploaded it to the LL Bean Mastercard site . LL Bean Mastercard required us to sign the letter, stating that we are disputing the charge and that we had not authorized the charge, and that, if needed, the account would be closed and a new card issued. 

After waiting for information, I realized that the Mastercard activity showed a phone number for the XXXX transaction, so I called the number shown. Also, we only use our LL Bean card for LLBean purchases. We never use it for anything else. We use a different XXXX credit card for all other purchases. Our XXXX account does not have the LLBean credit card. When I called the XXXX number, the person on XXXX looked up the transaction, and said the transaction was for a gift card, and was under the name of a different person, not anyone in my household. I have the chat history for that. 

I submitted that information to Mastercard. At first it seemed they resolved in our favor, but then they reopened it, and said that we put in the charge and that we now had to pay a late fee. So I re-opened a dispute in XXXX. Then they said that I need to submit proof that it was fraudulent, by uploading documents or proof. I have been trying to upload screen shots of my chat with XXXX, but the Mastercard website has an error that does not allow uploading documents. It seems that they are making me run around in circles and making it very difficult to prove that we did not authorize the transaction.
Product: Credit card or prepaid card

Today XX/XX/21 was the last day I spoke with Pen Fed about a lost reverse payment amount of {$7200.00} and after speaking with XXXX XXXX. XXXX XXXX they said Pen Fed needs to do an investigation of the lost check with XXXX XXXX and then XXXX XXXX would look into this matter. Then I called PenFed who said their Bank XXXX XXXX said I needed to tell XXXX XXXX to initiate sending documents about what they did with the reverse check. XXXX XXXX said PenFed needed to do this and PenFed said it was against their policy to do anything. I called XXXX XXXX back and after being placed on hold my phone was disconnected. I got the impression XXXX XXXX didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling PenFed credit union and XXXX XXXX to no avail for XXXX weeks. Personally I believe both companies are incompetent. I really need help in getting PenFed to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, Pen Fed is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX I want to make sure that PenFed does not impose any fees for this problem and they correct my credit report. Thanks for any assistance you can give me. XXXX XXXX