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

I have previously submitted a complaint against this company for posting/affixing illegal bandit signs on private and public property. The owner XXXX XXXX acknowledged my complaint and indicated he would cease. However, shortly thereafter, this company is still affixing these signs unlawfully on telephone poles, traffic signs and fences. This company does not have a permit to advertise in this capacity. This company is systematically violating California state law. The company is in violation of 2007 California Penal Code Article 2. Unlawfully Placing Signs On Public And Private Property CA Codes PENAL CODE SECTION 556-556.4 It is a misdemeanor for any person to place or maintain, or cause to be placed or maintained without lawful permission upon any property of the State, or of a city or of a county, any sign, picture, transparency, advertisement, or mechanical device which is used for the purpose of advertising or which advertises or brings to notice any person, article of merchandise, business or profession, or anything that is to be or has been sold, bartered, or given away. These illegal signs are a public nuisance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account could not be verified or validated by XXXX XXXX store card. All information including XXXX, XXXX, XXXX and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602a states I have the right to privacy.

15U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting

First I had to sign up for a credit monitoring program just to see my scores A student loan over 25 years old is showing on my report again it was removed ed over year ago and now it 's back on ... .. the sol. Has expired I want it tempted from all XXXX cbr, so This has been and issue for over 3 years I have had to pay on accounts still reporting that should never have been on my report. I believe I should be included in the compensation for consumers due to the improper practices in turn reporting I have lost over XXXX dollars because of transunion, s reporting practice es
Product: Debt collection

CAPITAL ONE IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT OR DEBT VALIDATION WITH ORIGINAL CONTRACT WITH WET INK SIGNATURE. 

THE XXXX XXXX IS ILLEGALLY ATTEMPTING TO COLLECT DEBT BY GARNISHMENT ON BEHALF OF CAPITAL ONE BY PLACING A JUDGEMENT AGAINST ME IN THE XXXX XXXX OF XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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, credit repair services, or other personal consumer reports

Please see the attached document. This is is not a duplicate. I have several disputes that point to XXXX XXXX XXXX. Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. The complete complaint is in the attached document. XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.
Product: Debt collection

I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a XXXX  Unsecured Credit Card and they have sold the account to XXXX XXXX and that XXXX XXXX has since sold the account to XXXX. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX  Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO  allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!
Product: Mortgage

I applied for three Loans with Amerisave in the first week of XX/XX/2020. 

Loan A- Loan amount XXXX Loan processing started in the first week of XXXX and it is now XXXX XXXX.The loan has been in approved status for sometime. However Amerisave is not closing the loan. Amerisave is saying they are waiting for the management 's approval to lock my rates. Amerisave refused to lock the rates even after my repeated requests to lock it. Initially Amerisave told me that they don't lock the rates, however I am guaranteed to get the rates in the initial disclosure, if the rates go up. Now they are saying they need management approval to lock the rates. 
Loan B - Loan amount XXXX Once I paid for the appraisal, Amerisave told me that I can't refinance this loan, because of seasoning requirements of the existing loan. I lost the appraisal fee. 
Loan C - Loan amount XXXX It took two months to close this loan. The rates were floated. Initially Amerisave said I can lock the rates anytime. However when I asked Amerisave to lock the rates, I was told that, Amerisave don't lock the rates before closing and however I am guaranteed to get the rates in the initial disclosure, if the rates go up. By the time of closing the rates went up slightly however Amerisave kept their promise. So no complaints on this loan.
Product: Student loan

I have worked in qualifying public service jobs my entire career spanning 39 years since XXXX. 
I took out Direct Parent Plus loans believing what I was told by Fed Loan Servicing and the US government about receiving forgiveness through the PSLF program. 
My wife and I have been paying on these loans since XXXX. 
The limited waiver was going to be a lifeline to allow us to retire. 
We were promised by Fed Loan Servicing and the US government the exact same things and have endured the exact same major failures as non Parent Plus loan holders. 
Why in heavens name were we excluded from the XXXX limited waiver? 
What could be the reasoning for this? 
Is our own Parent Plus PSLF waiver coming up in the fall? 
How could this exclusion have been allowed? 
Is this another case of age discrimination or are older Americans not seen as having enough power to demand our rights?
Product: Mortgage

I was approved by a underwriter at Movement mortgage and at the day of closing my loan was denied, all my documents were approved, my income was verified, I had all funds cleared for purchase in my bank. The company did n't bother to call me after driving 4 hours to close on the home, it was very damaging to my credit i have taken a large hit because of this deceptive practice. I arrived at the home of my dreams talked to the agent and inspected the home before providing title company with down payment, and to my knowledge i was the victim of mortgage discrimination there was not reason why my loan would be denied according to the loan officer 45 days prior, which was more than enough time for underwriting to verify docs to make an offer, I also have emails that prove that this was not just a pre-approval I was approved.
Product: Credit card

I own a XXXX XXXX Credit Card through Comenity Bank. On XXXX I paid the total balance due of {$190.00} on or before the due date. This was to pay off the total amount due on the card. There was additional interest and fees that Comenity Bank tacked on, and I was unaware of at this point. I did work with the company to make an additional payment of payment of {$11.00} on XXXX. I didn't think that I owed that but may have made a mistake. After the payment on XXXX they have tacked on {$150.00} ( as of XXXX ) in late fees and interest with a {$0.00} balance owed on the card. Comenity Bank refuses to work with me by removing these late fees and interest on no purchases. I had asked to cancel my credit card with them, and they have not cancelled it, and I am not going to pay for junk fees they keep tacking on. Comenity Bank has decided to retaliate on my XXXX XXXX XXXX by reducing my spending limit from {$1400.00} to {$100.00} as of XXXX. Both of my store cards with Comenity Bank I have paid on time. Please help in resolving this issue so I can be done with Comenity bank once and for all.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened up a bank account in my name and also got a car loan in my name. Now I have a XXXX car loan on my credit that I never signed up for.
Product: Checking or savings account

I recent just start off with the bank me and fianc only had it less in a week, my account was hacked and compromise they sent me letter the mail saying it was a check deposit XX/XX/2019 large amount XXXX ... regions didnt tell me and fianc they had a data breach going on. My fianc account was hacked as well they try too blame her for begin responsibility but she was hacked as well they got data breach compromised they know it but didnt tell us bad company they closed my fianc account aint do nothing about it this bank need be closed they are unprofessional I was wondering why they dont get a enough business ... .they are not caring bank I want me and fianc shouldnt deal no comprised on a bank that dont care or try too help us its sadden we feel unsafe with our ssn numbers if our account on compromised ... something need too be done we shouldnt have pay no fees nun we need our money back and refund
Product: Student loan

My private loans from college were financed through XXXX. now d/b/a Navient. I received a letter stating I was unable to apply funds directly to the loan principal, despite the account being current. Navient insisted that the additional funds would be applied to interest that had accrued since the last payment. I responded that any accrued interest would be paid when I make the NEXT monthly payment ; however, Navient refused to apply the additional funds to the loan principal. I called the CFPB in XXXX XXXX inquiring about this new " policy '' and whether it was illegal. The CFPB representative had never heard of such a policy. She indicated that most loan providers allowed principal-only payments if the account were up-to-date. I figured this may be an illegal practice since the mortgage industry attempted a similar tactic ( requiring one to pay all the interest before payment to the principal ) and it was struck down by the courts. 

When I attempted to apply additional funds directly to the principal, despite this new " policy, '' Navient applied it to the interest. I fought with them for two months to have the money applied to the principal, but Navient decided returning those funds to me was a better option. In XXXX XXXX. Navient raised my interest rate in retaliation for the refund! 

This " policy '' is a problem because only XXXX of the payment I send to Navient as payment for the loans is applied to the principal. This " policy '' would essentially keep students in debt, well beyond the 15+ years it already takes to pay off student loans. Is this " policy '' to keep students in debt ACTUALLY allowed?
Product: Checking or savings account

A check number XXXX dated XX/XX/XXXX was written in the amount of {$5.00} against the undersigned 's Citibank checking account. On the front of that check underneath the date, was the pre-printed words " Void after 90-days ''. The check was presented to Citibank for payment in the amount of {$5000.00} on XX/XX/XXXX. 

Despite the fact that the check was VOID at the time of presentment to Citibank for payment, and was also stale dated, Citibank nevertheless paid the check on XX/XX/XXXX, more than a year after the check was written and more than 90-days after the check 's validity date. In addition, Citibank paid the check against the undersigned 's account for {$5000.00} ; instead of {$5.00}. 

Citibank has since failed and refuses to take any corrective action on this matter after being notified multiple times of the Bank 's error.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information that is damaging my consumer report. 

DEPTEDXXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

CFPB, Thank you for taking the time to read this. This is the XXXX complaint Ive had to file with JP Morgan Chase, regarding my account. One of their representatives XXXX told me that I was going to be having {$1100.00} in my account and coming to find out that was not the case. I dont appreciate being misled like that when it comes to my account. This isnt right. I have been with Chase for years and never had this issue before, but I guess theres a first for everything. Im really upset about it. CFPB, I just got out of the XXXX  after having some XXXX XXXX XXXXnd to be getting this information like this is a huge insult to me.
Product: Debt collection

I called this attorney 's office and tried to explain that I know nothing about this nor did I receive anything. He hung up. I tried to call back and no answer. I feel this is a gimmick and unfair collection practice. 

My wife received a phone call from this same attorney a XXXX of months ago about some pay day loan she had and she has not worked for several years. When my wife started to cry because the gentleman kept saying that she owed this money, he said oh do n't cry please. I will have an attorney call you back. No one called back and I called and they hung up on me also. Have not heard from this office again on this particular issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Oh, XXXX Dear Transunion, I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. I have no knowledge of these accounts they are fraudulent. I dont know what this collection is about I am not associated with the fraudulent accounts. Please remove these accounts as it is messing with my livelihood. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX REMOVE ALL FRAUDULENT ACCOUNTS SWIFTLY OR PROVIDE DESCRIPTION OF PROCEDURES AND STEPS TAKEN TO ACCURATELY VERIFY THE ACCOUNTS IF YOU CANT PROVIDE THIS REMOVE THEM. 

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent.

These accounts are NOT showing maximum possible accuracy according to 15 USC 1681e ( b ) the open date, date last active is not accurate. Delete Accounts Immediately for violation of 15 USC 1681e ( b ) 15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time.
Product: Mortgage

THIS IS AN OFFICIAL COMPLAINT THAT Select Portfolio Servicing Inc. Servicing- HAS CAUSED TO CANCELLED OUR PERSON HOME INSURANCE THAT IS NOT CONNECTED TO THE MORTGAGE. 
We receive from the Massachusetts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX | ( XXXX ) XXXX | ( XXXX ) XXXX That Select Portfolio Servicing, Inc. |Address ; XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX # XXXX |Alleging that Stating property SOLD AT FORECLOSURE AND has cancelled my husband and my personal home insurance that has nothing to do with our mortgage. Cancellation effective date XXXX/XXXX/2016 Mortgagee or Loss Payee '' Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA. There is no foreclosure on our property. Even if there was Select Portfolio Service has no legal right to cancel our private homeowner insurance. Please reinstate our personal homeowners Insurance a.s.a.p. I am reporting this as a violation to our personal privacy.