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

I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete the Public Record ( Bankruptcy ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify this record, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate this record ; This company claims to have obtained this Bankruptcy record from XXXX XXXX XXXX XXXX but in the evidence I attached, you can see that United States Bankruptcy Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, therefore, since this company furnished this record to the other reporting agencies such as XXXX and XXXX, these disputed items will need to be removed immediately.

Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the Bankruptcy record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and XXXX does not have any address at all ; I asked for documentation to be provided to me if the disputed record can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist.

Proof of the letter from XXXX is attached.
Product: Mortgage

Please look into lenders. I would like you to look into how lenders are boxing out low income families during this period of low rate mortgages. Lenders are being listed as FHA lenders who should only require a XXXX XXXX of XXXX. However, lenders like Pennymac Loan Services and several others have raised their requirement to XXXX despite the FHA requirement. Other lenders, per a XXXX XXXX XXXX, have raised their requirement to as high as XXXX. This is a personal affront to families trying to take advantage of the low mortgage rates who may not meet the conventional standard. These lenders are using conventional standards for FHA loans. They should not be allowed to use FHA standards to advertise or lore in consumers. This is not fair to families who would be able to own their homes under the FHA guidelines. They are now being boxed out of the market. Shame on XXXX and many other lenders. During this time of hardship, to be adding more hardship so freely.
Product: Credit card

Repeated issue when trying to cancel Bed, Bath & Beyond Welcome Rewards Club. Cost is {$19.00} per year ; if you don't " use it '', you " lose it ''. It auto-renews annually via an on-file credit card #. The website makes it difficult to cancel ( no " I want to cancel '' option, just a single on/off button deep in the system and, more importantly, no way to remove credit card info on the website once you agree let them store it/ '' keep my payment preference ''. 

And if you do select " Do Not Auto-Renew '' and/or call Customer Service to cancel , they still bill you on your anniversary. They claim it's a mistake but since they have your credit card info on file, they bill you anyway as a convenience to busy club members. Then they notify you, via email, after they've billed your credit card and won't give a refund, even if you call the same or next day, because " that's their policy, it's in the legal disclosure you agreed to ''. 

BB & B needs to make club cancellation easy, clear, and permanent.
Product: Credit reporting or other personal consumer reports

This account is a result of fraud! After Reinvestigation After Reinvestigation I'm challenging this account on factual bases.I am writing to formally dispute the inaccurate information that remains on my credit report following a recent reinvestigation. Despite my previous dispute, which was allegedly verified by the data furnisher, the information remains incorrect and non-compliant with Metro 2 standards and consumer protection laws.Inaccurate Information : Account Name/Number : XXXX XXXXXXXX XXXXReported Inaccuracy : The account is reported as " Charge-off '' with an amount past due of {$12.00}. Additionally, the payment history indicates that only 81 % of payments have been made on time.Reason for Dispute : This information is incorrect. The account should not be listed as a " Charge-off '' as the payment history is inaccurately reported, suggesting incomplete or erroneous data. Legal Basis for Dispute : According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, credit reporting agencies must ensure maximum possible accuracy in the information they report. The proof that I am submitting shows even after reinvestigation Experian is still reporting inaccuracies. The continued presence of inaccurate data on my credit report violates these standards. Specifically : Metro 2 Compliance : The Metro 2 format requires accurate and timely reporting of payment histories. The discrepancies in the payment history of the XXXX XXXX XXXX account violate this requirement.Fair Credit Reporting Act ( FCRA ) Compliance : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), The persistence of inaccurate data indicates a failure to meet this standard.Given the failure to comply with these legal standards, I demand the deletion of the inaccurate information regarding the XXXX XXXX XXXX account. Furthermore XXXX Deleted this account under the FCRA I demand Experian do the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the following companies : XXXX XXXX and Bridgecrest regarding fraudulent accounts reporting on my credit report. No response by either company.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

These are fradulent inquiries that i did not authorize. Please remove from my report immediately.
Product: Mortgage

I am unfortunate enough to have my mortgage loan through this terrible firm. My mortgage broker repeatedly failed to correct errors in the paperwork even after I pointed them out. Ultimately we closed on the house. So at closing I paid XXXX dollars, all parties signed documents agreed that all cost were paid and my mortgage would be XXXX $ including escrow. I was so wrong. 
Less than a week after closing my insurance agent contacted me to say my homeowners insurance needed to be paid. She said she called the bank and they refused to pay it. Turns out they forgot to include that cost ... ooops. So a week after paying XXXX dollars, I had three days to pay another XXXX. Let me point out I am hearing all of this from the insurance agent, not the bank. In fact I never heard from the bank at all. Like a good human beings I paid the insurance, because it was owed. When it came time to pay my mortgage suddenly I owe XXXX $ a month. The reason is because I have to have escrow because like most regular people, I could n't put down XXXX % and pay all the processing fees. But the whole problem begins because my bankers ca n't count, failed to process information properly and almost caused my insurance to lapse. Yet, they want to be sure the insurance money is there for next year, because that ca n't trust it will be paid. After I called to complain magically a letter shows up from the bank forwarded from my previous address prior to buying a home through them and weeks after all our address changes were processed saying we miscalculated and you got ta pay. 
I opened a checking account with First Citizens with sole purpose of paying the mortgage. It is here I encounter more errors on the part of the bank. They could not link the mortgage with my new account because the names did not match. Turns out that I was listed with my last name first on either the account I opened or my mortgage. This means they allowed a XXXX dollar loan to be opened with a name that does n't match my SSN, or they allowed checking accounts to be opened when the name does n't match the SSN. The fact this error can even be made makes me worry people have all kinds of accounts and loans linked to my SSN if they are n't required to at least verify the name matches the SSN. I could go on with more complaints about careless errors that have real impact on people 's lives. I 've only done business with first citizens for one month and already they are the worse company I have ever worked with.
Product: Checking or savings account

I received a check from my accountant on XX/XX/2023. The check is my tax refund amount and was issued via a bank called XXXX XXXX. The check is for {$3000.00}. I deposited the check via mobile deposit on the Chase app on my phone and I received a notification that the check would not be available until the next day. 

After the next day, I received another notification that the check would be on hold for a week. I was able to use my account until the second day after cashing the check and Chase put my whole account on hold. 

I called Chase and asked why my account was on hold, they said that they were unable to verify the check, although the verification number is clearly on the check. I also provided them with another verification number, that is clearly presented on the bank 's website. 

Basically, Chase is refusing to release the funds and they are even holding my personal funds that are different from the check. 

2 weeks later after depositing the check, I walked into the branch to see how I could verify in person rather than verifying on the phone. They said the maker of the check has to come in with two forms of ID, which is impossible because the maker of the check is a small bank. I asked if my tax lady could come in and verify but they refused. 

I had three accounts with Chase and they only let me take out funds out of one account. The rest of the funds are still on hold. It has been 2 months and I still cant get ahold of my funds. 

On XX/XX/XXXX, they told me they would send the funds from the check plus my personal funds through a cashier check and I would receive it through mail within XXXX business days. I only received a check from them for {$46.00}. I called again on XX/XX/2023 and they are basically stating that they will hold on to my funds for two years and eventually send the funds to the government. This is ridiculous. I have been unable to pay bills. I am a single mother that depends on my funds. 

The next solution would be contacting a lawyer to see what can be done. My tax lady has even called and requested that they send the check back to her so she can issue another check to me or find another solution. They refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting incorrectly on my credit report for the following reasons : - XXXX is incorrectly showing that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX. 

- XXXX  XXXX is incorrectly showing that I was late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX XXXX XXXX - XXXX XXXX - This is not my account - {$95.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX XXXX - This is not my account - {$330.00} XXXX XXXX - XXXX - This is not my account - {$330.00} XXXX XXXX XXXX - This is not my account - {$1900.00}
Product: Credit card or prepaid card

We submitted a complaint to XXXX XXXX XXXX credit card fraud unit with  respect to a fraudulent repair of a refrigerator. XXXX XXXX XXXX delayed their communications and responses to us sufficiently that they closed the case abruptly without acknowledging our legitimate attempts to provide the information they were seeking on a timely basis. The delays were solely due to XXXX 's very slow processing times and very slow communications. 

By closing this case without processing our information, they have failed to protect us from a fraudulent merchant. 

We are now being held responsible for the charges levied including interest and late fees even though XXXX failed to timely process our claim information.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

for the past 3 o4-5 years I email an ACH form with the date to deduct the payment to Country Place Mortgage. from my bank account. 
The last 4 months - my payment isn't being deducted on the date I have requested. I have to follow up with phone call to ensure my payment is made. 
I don't know what has changed that this isn't being done per my emailed ACH. 
The problem is I'm in a Chapter XXXX BK and this payments need to be made on time. 
I have reached out to the collection manager and the person who supposedly handles my account and I do not get any reply. 
I am working from home due to the Virus and I cant spend time on the phone checking to make sure they do they jobs. 
Please help me I send an ACH the beginning of the month to have them deduct {$520.00} on the date of my second pay.
Product: Student loan

I took out a loan with back then was  XXXX   XXXX  for an amount of {$5000.00} for student tuiton in  XXXX . Fast forward 4 years to  XXXX . That  XXXX  I graduated. I believe interest accurred and the loan came out to {$7000.00}. During my 4 years,   XXXX   XXXX   added on {$2000.00} to my loan.    XXXX   XXXX  made their attemp to start payments. I began payments around  XXXX   XXXX  with auto pay of {$65.00}. The interest rate varied from month to month. It was never shown to me what each months rate were. After 3 years of paying minimum paymenta got me nowhere. I decided to pay more hoping to get rid of this loan. It is now 7 years into the loan and I still owe {$2600.00} with Navient. It has been so  XXXX  because {$2000.00} was added to my loan while i was in school. Their rates have been ridiculously high. And I was always kept in the dark as to how much I have paid off. The numbers are not adding up. I am still stuck wit h a 7 year old lo an.
Product: Credit card

I've always ensured timely payments on this account, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX, i saw some hard in hard inquiries that did not have permissible purpose. I also attached the evidence. 

! XXXX XXXX XXXX XXXXXXXX XXXX XXXX The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX accept : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX XXXX XXXX XXXX XXXX inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX / XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX / XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX : XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B. 

XXXX. XXXX XXXX XXXX : The inquiry has no permission purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1B.
Product: Credit card

Discover makes it difficult to access card member agreements. I wanted to see when my introductory interest rate discontinued. The agreement was not accessible online and they force you to call customer service and waste time explaining what you want only to get it mailed.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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 XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and National Credit Systems ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to Certified XXXX Audits I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.
Product: Debt collection

I received a debt collection notice from midland credit, and I requested a debt validation and accounting of the so called debt that was owed. They couldnt provide that and still sent letters to try and collect on the debt. They couldnt validate the debt nor provide me with the accounting for the charge off and the sell of the securities.
Product: Money transfer, virtual currency, or money service

{$10000.00} in my checking account wells Fargo trasancions and tranfers Not resolved. 
My credits cards i have only XXXX XXXX  XXXX end XXXX and have XXXX in XXXX XXXX  XXXX and XXXX
Product: Mortgage

I have bi-weekly withdrawals out of our checking account every 2 weeks to pay our mortgage, hence making MORE payments than required. Apparently PHH mortgage uses a 3rd party named XXXX XXXX   for their equity accelerator program. After 5 years of payments with no issues, I received a letter from PHH dated XX/XX/XXXX stating that my mortgage payment wasn't received. I received a statement on XX/XX/XXXX saying that the amount due for XX/XX/XXXX was {$5700.00}. I called and spoke with someone who was mediocre at best - but regardless, the " problem '' corrected itself. 

Six months later, we start to receive phone calls, letters, and bills stating that our mortgage is past due. This is ludicrous because I am making payments bi-weekly as stated previously. I've called PHH SEVERAL times since receiving the first letter in XX/XX/XXXX, and to date ( XX/XX/XXXX ) they still have not resolved the issue with the billing company. PHH is issuing late fees to my account and leaving threatening voicemails regarding getting bill collectors and credit bureaus involved. 

I am at my wits end with this company and their lousy customer service. My husband and I work very hard to ensure our bills are paid timely and have excellent credit scores as a result. I don't appreciate PHH mortgage company running our good credit into the ground simply because they can't communicate with the company that THEY hired!