23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX prepaid card, you filling dispute and then realizing next day I will was wrong calling to withdraw my dispute I was told by Disputes Dept Rep and Supervisor it indeed was cancelled and my card would remain active. This was in XX/XX/19 On XX/XX/19 called customer Services at XXXX XXXX I wanted to know why my card and account was blocked and my XXXX benefits were for on this day to unblock the card. Find out they never cancelled the dispute as I asked, their the account was suspended and that I would have no access to funds until I received a new card. Explaining to them all if this was to be taken care of 1st time  in XX/XX/XXXX, I kept hearing from them they can't do nothing. Then after being persistent I was allowed to only withdraw XXXX as courtesy. But yet I was charged XXXX ATM fees, and they won't expite my new card unless I pay XXXX and they won't keep my original card open as I was told would happen several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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.
Product: Mortgage

In XXXX we were contacted by our mortgage company New Rez to refinance our home. We applied with an agent named XXXX XXXX. He told us we would qualify for a FHA loan and all we would need to get started was an appraisal for {$500.00}. We paid for the appraisal and started our application. Shortly after the loan went to underwriting we were informed that it was denied. The reason for denial was that we did not qualify because we had not been in the home for an entire year. We were not told that this was a pre-requisite of the FHA loan and were reassured that we qualified. We contacted Mr. XXXX to ask for a refund on the appraisal since we could never have actually qualified. We were told that this was not refundable and could not be applied to our principle balance. I asked to speak with a supervisor several times and was informed that they were not available but that he would discuss this with them and get back with me. I have all of the email communication between Mr. XXXX and I regarding this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XX/XX/2020 My name is XXXX XXXX. In XX/XX/2020 I opened an account with XXXX XXXX XXXX for a spending limit of {$300.00} and monthly payments of {$30.00}. In XXXX of 2020 I attempted to make a payment using my personal XXXX card. The payment was initially rejected and my account was temporarily suspended. 
I contacted customer service to inquire about this issue and was informed that I needed to submit documentation to prove that the XXXX account belonged to me. I submitted all required documentation as requested along with picture identification. I attempted to use my XXXX XXXX card a short time later and my Card was still suspended. I contacted customer service again to inform them that I still was not able to use my credit card and to inform them that I submitted all documentation as requested. I was informed that my documents were received but I was not provided with an explanation as to why my card was not unlocked. I spoke with several costumer service representatives and neither of them were able to provide me with an accurate answer or solution to my problem. 
In XX/XX/2020 I received a notification from my XXXX XXXX account that my credit card account with XXXX XXXX XXXX  had been closed and was charged off as bad credit. I contacted XXXX XXXX again in an attempt to get answers and to correct this issue but again with no avail. As evident by my credit report, all of my payments were made on time and my status with XXXX XXXX XXXX  was in good standing at the time my account was closed. However, even after the suspension of my card and the closure of my account by XXXX XXXX XXXX, I continued to receive billing statements and I continued to make payments directly to XXXX  XXXX XXXX. All of these payments were accepted and posted to my account. I have spoken with several individuals on numerous occasions at XXXX XXXX XXXX  and no one has been knowledgeable enough to help me resolve this issue due to an error on their behalf. I informed XXXX XXXX that their error and refusal to correct it has had a negative impact on my credit score. The final response I received from A XXXX  XXXX specialist was, I am sorry its nothing we can do. 
In addition, I never received a formal written notice from XXXX XXXX XXXX  to inform me of the suspension/closure or charge off of my credit account. 
With my account being charged off as bad credit, although it is evident by my credit report that I was in good standing, this has had a negative impact on my credit score. My last payment was made directly to XXXX XXXX XXXX on XX/XX/2020. Again this payment was accepted and posted. 
I am requesting your full investigation into this matter and will provide you with any documents necessary to assist you. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect late payment entry on my credit report associated with XXXX XXXX XXXX, account number XXXX. This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 USC 1681, Sections 602 and 604 ( 2 ), as well as 15 USC 1666b. 

Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/2023 Amount : {$460.00} Violation of FCRA ( 15 USC 1681 ) : The inaccurate late payment entry is a clear violation of the FCRA, which mandates accurate and fair credit reporting. 
Violation of FCRA Sections 602 and 604 ( 2 ) : These sections outline the responsibilities of credit reporting agencies to maintain accuracy and the permissible purposes for which credit information can be furnished. The false late payment entry fails to meet these standards. 
Violation of TILA ( 15 USC 1666b ) : This section of TILA requires creditors to promptly credit payments. The alleged late payment was actually made on time and should have been credited as such.
Product: Student loan

On XX/XX/XXXX I made a payment towards my school loan in the amount of {$22000.00} to Sallie Mae at the time now they are Navient. I thought this was the total amount to be paid to the loan. However, there was still a balance of {$110.00}. Rather than applying my payment to the entire loan, they held the entire {$22000.00} in an account of their own and pulled payments from it till XX/XX/XXXX. Keep in mind, I had no idea this was being done nor did I ever receive one statement in the mail. They said they emailed statements but that probably went to SPAM because I never heard of Navient. Not until XX/XX/XXXX did I get something in the mail stating I was delinquent on my account. Once I received that notice I immediately contacted them to find out what the problem was. Once I validated their claim I made a payment to them to settle the account. Now after 13 years of holding my money and charging me interest they then made a negative reporting to the credit agency. I had a rating of almost 800 and now it is at XXXX! I don't know how they can legally hold XXXX of money, probably in an interest bearing account that I saw nothing of, and then charge me interest. And never send me anything in writing stating that fact. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that Equifax has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXX Balance : {$25000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 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 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed account to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Account number : XXXX Balance : {$800.00}
Product: Mortgage

Greetings, I had a HELOC account and recently decided to close it with MUFG Union Bank. 

Upon the closure of the escrow, the bank failed to release the lien on the deed and claimed it will take XXXX days to BEGIN documenting it with the county office. The account was paid in XXXX and the escrow was close on XXXX-2019. 

The banker also failed to disclose the cost upon the closure of the account, resulting a {$480.00} fees at my cost as the borrower. ( As attached computer screenshot ) After several discussion with the bank 's representatives, it is frustrating and unjust to learn that they can only send out a letter stating the account was paid in full and due to a " CLOSE '' which is false statement, since the lien stay on my deed, and the information on their website is highly inaccurate.
Product: Debt collection

XXXX ) Requested verification in writing of the debt he or she is trying to collect. I asked for the original creditor. I asked for written proof of how the debt amount was calculated. This is under that Fair Debt Collection XXXX XXXX. I asked the company to cease collection of debt until its validated and the details are provided to me and should be sent certified mail. I asked for them to give me a copy of my signature, drivers license showing this is my account that I opened.
Product: Credit reporting or other personal consumer reports

In violation of the Education and privacy act, I signed the privacy form stating that the school will not provide transaction information to any third party companies. The family and educational act of 1974. As a federally protected consumer I opt out of any and all authorization I the consumer may have given written, verbal or non verbal per 15usc6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX   XXXX
Product: Credit card or prepaid card

I applied for unemployment XXXX XXXX started working and never received any information regarding unemployment benefits so I just disregarded it. My mail box was broken into. This was reported to the post office. I never received a Bank of America Bank card for my unemployment benefits. Someone completely took control of the account. They somehow got the Bank card and all of my information. They assigned an email I am not familiar with and even changed the address through unemployment. Meanwhile, {$8000.00} was paid out to the theft. Once I found out this information I filed a fraud claim with unemployment which hasnt been resolved yet. I filed a fraud claim with Bank of America which I included a statement and documents of proof as well as police report and they denied my claim three times. Bank of America said that the transactions that were made were not suspicious. How the heck is getting a XXXX XXXX  every single pay day from unemployment not suspicious. If you look at how I use my card now that I actually have it, there is a huge difference! I post my bills and grocery shop and etc. I just want the money owed to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX my Citibank Advantage Platinum Plus card was auto renewed with a membership fee of {$99.00}. I no longer wanted the card due to the fee and called late XXXX to cancel card. Citi continued to bill me and a new statement was issued for XXXX XXXX billing date with amount due of {$99.00} plus a late fee of {$29.00} and interest charge of $ XXXX for a total of {$130.00}. I called agin XX/XX/XXXX and spent over 90 minutes trying to resolve the fees but was told they could not be removed. The agent closed the account with the fees still owed which have put my account into collections. 

I have continued to try to resolve this issue and after many, many calls and many different agents, fees still exist on this account. I have been transferred many times, disconnected and dropped from multiple calls to Cit Advantage customer service. I see this as a bait and switch method for Citi to try to collect fees on an account that I have, in good faith, tried to cancel. I have excellent credit history and fear this could impact my score of over XXXX to date! 

Any help in resolving this issue is greatly appreciated
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  Services # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : 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 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: Money transfer, virtual currency, or money service

I am filling a complaint against cash App ( block , inc ) due to inadequate customer service and unfair practices, which violate 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Payday loan, title loan, or personal loan

A loan way taken out in my name with my account information. Reached out to the XXXX an the company they stated that they had no record of a loan application, but I have the email wanting repayment. I requested that the loan be withdraw even called an nothing has been done. I have email that I was attempting to communicate.
Product: Mortgage

I have submitted documents for a loan modification but Bank of America keepers requesting the same items and does not provide updates. I am going to lose my house but Bank of America is not helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX 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. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.
Product: Debt collection

from  XXXX  I have been asking  SAFO for  VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say