23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX  ( XXXX California XXXXXXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXXOLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX. 
XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

In XX/XX/2019, I contacted Coast Professional , Inc. and asked to verify the completion date for Loan Rehabilitation Program. Cost Representative stated, " Your loan will be considered rehabilitated in XX/XX/2019 ( i.e., ninth on time payment ) ''. However, I was told to resubmit financial data to re-certify payment amount. Coast Professional received my Package on XXXX XX/XX/2019 and increased my payment from XXXX to XXXX per month. I was not given the opportunity to appeal this process nor was I given an exact date, which the new amount would be in effect. I continued paying my loan at the XXXX amount, until payment data was updated via Department of Education website ( www.myeddebt.ed.gov ).  This occurred in XX/XX/2019, albeit Coast Professional , Inc. did not notify me in writing of required payment increase due date. In 2019 alone, I have successfully submitted ten on time payments and forfeited XXXX of Tax refunds via Treasury Offset Program. Despite this stellar accomplishment, coast Professional, Inc. Representatives refuses to transfer my Loan out of Default status. Coast Professional , Inc. is a  Government Contractor and collects a monthly fee for every loan in their portfolio. Hence, it is profitable for Coast to maintain a grip on XXXX XXXX student loan debt.
Product: Debt collection

Thus company continues to report on my credit report every week which has caused serious issues and damages to my military record and credit score. This company was notified several times and still continues reporting fraudulent debt. Once I filed this complaint the threatened to destroy my credit and began reporting the fraudulent debt every week. Pls see attached proof as a direct result my credit score has dropped 69 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX, XXXX } off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding XXXX ticket # XXXX : Addresses where I have lived : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX  My credit report must be accurate because it has an impact on my livelihood.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 me 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 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 - 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, credit repair services, or other personal consumer reports

See attached documents, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer report.
Product: Mortgage

I requested a Payoff statement on XX/XX/2021. Instructions directed me to send a cashiers check to a particular entity ; Chicago Mortgage dba Interfist. I sent the check but Interfist endorsed it incorrectly, due to their servicing company : XXXX XXXX. Since the endorsement didn't match the " Pay to '' the bank flagged the check and put a HOLD on it. Now, Interfirst refuses to give me the check back or correct the endorsement and insists that my account is overdue and I should WIRE THEM THE MONEY AGAIN. They have {$290000.00} of my money and it has not been credited back to my bank ( XXXX XXXX  XXXX ) Interfrist Acct # XXXX
Product: Mortgage

Completed and submitted a Making Home Affordable application with lender Green Tree Servicing. Attempted to contact Green Tree/Lender by phone and email on several occasions, leaving messages each time and have never heard back from them other than to send a letter stating they denied my application. There is additional information concerning the application that I have been unable to convey to them due to their lack of communication concerning the application. Now a " Notice of Trustee 's Sale '' on date XXXX/XXXX/15 has arrived on my front door. Green Tree/Lender does n't appear to be interested in anything but foreclosure. Assistance would be appreciated.
Product: Payday loan, title loan, or personal loan

I refinanced with Check n Go, and they agreed to only take out {$170.00} on XX/XX/2022. With out my knowledge they took out the entire loan amount of {$460.00}, leaving my bank account overdrawn by {$460.00}. I called and tried to get it fixed, and they told me they no longer do service in Nevada. They never told me this, and they never told me they were taking my money. Now they are telling me I have no options, that my account has been closed and there is nothing they can do. I spoke to XXXX different people. The XXXX, XXXX told me that he would try to help. I forwarded my confirmation email to customer service, and he is going to see what he can do. There has to be something, they can't just go into my account and take more money than what we agreed on. Please help me if you can.
Product: Debt collection

I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, Midland Funding, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was XXXX in XX/XX/XXXX, and I assumed all was well. 

My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for Midland/XXXX  was still filed and active against my name. Multiple calls to the assigned attorney and to Midland Funding were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and Midland said I still had to pay it in order to close the lien. 

We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. 

My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not believe that TransUnion is still reporting inaccurate information on my credit reports even after I have alerted them to the inaccurate information. TransUnion has failed to perform an independent investigation which is a violation per FRCA regulations. TransUnion has failed to correct, remove, or verify inaccurate disputed items which is also a FRCA violation. XXXX XXXX XXXX  : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX : XXXX You need to remove this immediately due to the fact that XXXX is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXXXXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. NO investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX  XXXX XXXX : XXXX You need to remove this immediately due to the fact that XXXX  is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX and TransUnion after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX, and hoping that this XXXX XXXX XXXX XXXX will be removed.
Product: Credit card or prepaid card

A negative mark was put on my credit report for missing the annual fee for the credit card. I call and explained that I didn't realize the fee. If the fee isn't paid the card should be canceled and not report as delinquent. No payment was ever missed for actual credit card use on purchases, and the fee was addressed as soon as realized. I am looking for the negative remark to be removed.
Product: Credit reporting or other personal consumer reports

under Section XXXXUSC XXXXg, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ w ] ithin XXXX  days after the initial communication with a consumer in connection with the collection of any debt.
Product: Mortgage

On XX/XX/XXXX, I logged in to make my mortgage payment as I do every month. I make the payment, it shows as scheduled, and I instantly receive an email confirmation. Except that this time there is no way to just make a payment from my checking account. Instead there is some convoluted system using language that says nothing about a payment, just confusing language for the customer transferring to BOA. So, I try, and all that happens is something saying something is processing, but also something saying that nothing is scheduled, plus, no confirmation, no email saying any payment was made. So, I wait for a while for the typical email confirmation, but no confirmation ever comes. So after about half an hour I log back in to try to see any activity, and nothing shows, no activity on the account. After searching the site all I can find is a place where it says the same thing, that nothing is scheduled, and that something is still processing. So I try again to make a payment, and again, all I see is the same confusing language about transferring, nothing about making any mortgage payment. Except that now it shows XXXX processing, but still, nothing is scheduled. Now Im getting worried, all I can see is bounced check/payment/overdrawn checking account, all because of BOAs messed up system and website! So I immediately call for support to get one of these processing cancelled, and all they can say is they have no way of doing it, hence no way of helping their customers! Unbelievable! I am VERY upset! I can not believe that a company is so out of touch, so uncaring about serving their customers, that they are willing to leave them hanging, to suffer the consequences of BOAs inept and messed up system! I am VERY DISGUSTED with their total lack of care for their customers, and that they simply can not and will not make things right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dismay and anger over the recent security breach at Equifax, and their response to it. 

It is bad enough that these private entities are allowed to profit off of MY credit history information, but then to have them handle that information with such negligence is infuriating. 

After the fact, their attempt to profit off of their own mistake by enrolling people in a credit monitoring service is just icing on the cake! 

The gall of these people! 

Please consider ways that you can provide better protections to the little guy, people like me, from abuse, negligence and fraud on the part of these banks, credit organizations, and others.
Product: Payday loan, title loan, or personal loan

I called Title Max and spoke to an employee. I asked then do they do credit checks and was told no. So I went to the actual store found out the application and still I asked do you do a credit check no answer I was never told that they did one. And when I got home my credit was hit for XXXX points. And I did not get the loan which is no problem however they did not disclose it they were going to do a hard hit on my credit and I'm trying to rebuild it and it is less now than when it was when I filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXNavy FCU- XX/XX/XXXXNavy FCU- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fee due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

My personal information was compromised by an employee of the company ; received undesired text messages from customer service representative ; placed a complaint was n't contacted in regards to a resolution or outcome. All my personal information is on file and I feel uncomfortable with this company 's business procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

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: Vehicle loan or lease

I paid off my Auto Loan on XX/XX/2022. I received an electronic paid off letter confirming that the loan has been paid off in full. I requested a lien release letter from USAA in order to facilitate me selling my vehicle. USAA will not provide me with a lien release letter stating that because the final payment was made online their policy is to place a ten day hold and not release the lien until ten days after collecting the final payment. My bank account was debited as of XXXX XX/XX/XXXX for the amount quoted in the 14 day pay off letter {$2200.00}, USAA has collected the funds and have been paid in full. Their policy is causing me undue hardship as I am currently unemployed and used the last of my funds to clear the loan, in the hopes of being able to get a release letter to allow me to sell my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some years now I have been denied credit and didnt think anything of it only recently I attempted to purchase a new vehicle because my current vehicle has been getting rained on and the trunk and Im being exposed to XXXX.My health is in jeopardy because I am currently diagnosed with XXXX. I didnt realize that something was going on with my credit being frozen until four car dealerships attempted to access it I have documentation and proof that Equifax has a fraud alert on my account that they continuously after about 20 cars in sis is not there I have been begging them to provide more information to the point where they have blocked me from making any calls to them at all and steel as of today XX/XX/XXXX my credit is still blocked I am submitting a copy Of a report from a car dealership that shows that there is a fraud alert on my accountBeing given such a hard time for something that is meant to be a good thing. I would like my credit report unfrozen so that it can be accessed by anyone even myself and noticing my account has not even been updated with Equifax since XXXX. I was asked to submit some documents and did so via mail and fax on XX/XX/XXXX and was told that by XX/XX/XXXX the fraud alert would be removed but it still has not been removed as of XX/XX/XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I was told that I was prequalified for a student loan forgiveness program from a voicemail left by a woman named XXXX. On XX/XX/XXXX, I called the number back ( XXXX ) and spoke with a man whose name was XXXX XXXX from BCO Consulting Services, located in California. During our conversation, I was told I would have to submit monthly payments in the amount of XXXX in order to receive student loan relief. Additionally, I was also required to fill out a Service Agreement form. When I contacted my school XXXX XXXX University XXXX and told them about this, they relayed to me that there was no such thing associated with my institution and it was a scam. Now, this company is charging me {$190.00} monthly. This amount has not yet been charged to my debit card, but I received an email recently XXXX XX/XX/2021 ), indicating that it will be cleared in two to three days. Please help me with this situation. After receiving more insight about this company, I no longer want to be associated with it any further. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, XXXX. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted XXXX several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). XXXX has very poor controls and it is impacting consumers.
Product: Money transfer, virtual currency, or money service

Zelle continuously left out important information to prevent fraud and scams and did not help or attempt to retrieve funds or look into scams