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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit card

I have been a papal credit card holder for some time now. Since I got it there were issues with me getting online access. I have spent countless hours ( I dont have the time to spend/waste on this ) on the phone trying to get it corrected only to be bounced from one person to another. 

About XXXX weeks ago I spent about an hour only to have the person at Synchrony Bank say she does not know what to tell me. Its in my records, please check. Now they are charging me {$1.00} a month for a paper statement. I want to cancel my card as I am forced to pay this since I cant get online access. I called to redeem my cash back balance of {$690.00} and close the account and I am being told that I can only do this with online access. Again, I spent a very frustrating XXXX minutes only to be told no one is sure what the issue is. ( I have a pic of the time I spend today on a very frustrating useless call ) So here is where I am. I cant get online access and have spent a very large amount of time trying. I have {$690.00} in cashback which XXXX cant use. I am being charged {$1.00} a month for paper statements because I dont have online access. 

This has been unbelievably frustrating and a waste of time. This should not be like this. 
I am going to pay for my card in full today, minus the {$1.00}, I expect to receive the {$690.00} in cashback in a check from you and for you to cancel my card. As well something for my time and frustrating.
Product: Mortgage

I close my house XX/XX/2020 with XXXX XXXX and they transfer me to mr cooper. In the middle of XXXX pandemic happens and I lost my jobs, I call mr cooper and they told me about forbearance plan and there is no interest or fee. After 3 month I call customer service was telling me dont end the forbearance plan yet, because you dont know what will happen with this pandemic and government have programs from 12 month, After the forbearance they do loan modification and they charge me interest {$710000.00} and on the top of trial payments that I already make. So instead of helping me, I feel they scam me. They add move debt to my mortgage saying that they dont charge the interest for late payment but they charge daily interest for amount that on forbearance. I call to end my forbearance plan but they keep postpone everything. When I ask should I make a payment they said no because you on loan modification, but when I ask about the interest that they charge me then the answer is because I dont make payment, so what ever I do I will still get charge. They never mention anything about any interest for going to forbearance. If they said something then I will go knowingly and I will try to make little bit payment so I wont be charge like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Student loan

I owed a student loan in the amount of about {$6000.00}, I received a letter from Sallie Mae, stating my loans were paid in full, then I find out they are in the hands of XXXX and now my loans are triple what I owed in the beginning. Now I am on a deferment until XXXX with more penalty and interest added. I ca n't afford to pay all this back for 17 years.
Product: Credit reporting or other personal consumer reports

I did not authorize or give any written permission to any of these companies to inquire on my Equifax report. Please block and delete them from my credit report. 

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 express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with [ Financial Institution or Company Name ]. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department, providing all necessary details.

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions.

Followed up with customer service to inquire about the progress, expressing the urgency of the matter.

Despite assurances, the fraudulent items remain on my account, causing additional stress and financial uncertainty.

The prolonged delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities.

I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and financial impact caused by the delayed resolution.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts below has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a XXXX party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX
Product: Mortgage

I have been having chronic issues with my mortgage company for the past 4 years or so. Their name is New Penn Financial, based in XXXX, Pa. Occasionally I will send them extra monies with my monthly mortgage payment to be applied to the principal. Sometimes they apply this money to my next months payment. This is both against the law and their own company policy. I feel that they do not want me to pay off my mortgage early. I have complained in the past and have been told that it would not happen again. So far, it has happened more than 5 times. I feel very frustrated and hope you can help me.
Product: Credit reporting

On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to Equifax. The XXXX XXXX XXXX, account number XXXX, fraudulent account was never removed from my file. This account is documented in the Identity Theft report which included an FTC complaint and a police department complaint that was provided to Equifax. Equifax claimed to verify the information using my name and social security number. My name and social security number has been used by someone else without my permission. This is the root cause of the entire problem. 
On XXXX XXXX, XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, Case number : XXXX. In this complaint, I attached the same information showing that XXXX was disputed and listed in the initial police report and the FTC report for Identity Theft. Identity theft in which my name and social security number were used without my permission. 
On XXXX XXXX, XXXX, Equifax again refuses to remove the inaccurate account information from my file stating " XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you. '' This is the whole reason I am disputing this account, someone has stolen my identity and is using my name and social security number. 
I do not own a home. I have been renting since XXXX.
Product: Credit reporting or other personal consumer reports

Our mortgage lender ( XXXX XXXX Mortgage, Oklahoma ) XXXX putting our payments into another unknown account at some point. We didnt know until we started the process to sell the house and were told we were in default and going into foreclosure after not paying for several months. We asked them how it is possible. 
No one knew anything. Finally we were told they could see our payments were made, but they went into another account and did not count toward our mortgage. We called many, many times, and no one could tell us the account the monies went to, why that happened, and they would not track it and apply it to our loan. They stole many payments and refused to give it back and we ended up paying considerably more for our house to sell than we bought it for XXXX years prior because we had to pay them the money that they had already confessed to taking but couldnt find. Our credit has suffered, they refuse to remove it from our reports, and no lender will give us a mortgage. My family has suffered immensely for over a year and a half and my family struggles have made it so we have gotten to point of separating the family. We cant be the only ones they did this to, but after all the fighting and praying, we know that our government has no rules in place with regard to mortgage companies stealing and harming consumers. We have gone through the process of disputes, but the bureaus just say the same thing, that XXXX says they are right. Thats all. No investigation, no questions. Why dispute anything at all?
Product: Debt collection

Subject : Erroneous Debt Collection by XXXX To Whom It May Concern : I am filing this complaint against XXXX for sending incorrect bills to a collection agency after I canceled my account ( # XXXX ) on XX/XX/2024. 
Details of the Issue : On XX/XX/2024, my company, XXXX XXXX XXXX, canceled its XXXX account due to relocating out of state. XXXX confirmed receipt of all equipment. 
Despite the cancellation, XXXX continued to issue incorrect invoices and sent these charges to a collection agency, causing harm to my business credit. 
I contacted XXXX multiple times, including on XX/XX/2024 ( Ticket # XXXX ) and XX/XX/2024 ( Ticket # XXXX ), and was assured the account would be backdated and resolved. However, no action was taken. 
Impact : These billing errors have resulted in unnecessary collection attempts, credit harm, and financial losses to my business. 
Additionally, XXXX disrupted our main business phone line, further damaging our operations. 
Resolution Requested : 1. Immediate removal of the account from collections and correction of credit reports. 
2. Written confirmation that the account is closed with a {$0.00} balance. 
I request the CFPB to intervene to ensure XXXX resolves this issue promptly and fairly. 
Sincerely, XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   -  XXXX  re ported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with   XXXX   XXXX   XXXX   XXXX  .  <P/>  XXXX   XXXX  reports  FICO score d ropped  XXXX  points same day as  XXXX  30 day late report hit the bureau.  <P/>  XXXX   Amex Credit Limit d ecrease ( never been late or slow on any payments and paid more than minimum amount )  XXXX    XXXX   XXXX   XXXX   XXXX    Credit Limit Decrease ( never been late or slow on any payments and paid m ore than minimum amount )  XXXX   XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.  <P/> Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.  <P/> Please help me. I do n't have money to go and hire a credit lawyer or anything like that.  <P/> I have statements from  XXXX  showing that my account is in good standing and that it is paid off but they will not update my report.  <P/> How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Product: Vehicle loan or lease

Hello, I brought a car from XXXX in XX/XX/XXXX and it was finances through santander the car was sold to me for {$12000.00} I have made excellent monthly payment was late 2 months for the past 4 years which ended in XXXX And when I couldnt make payment anymore due to job lost I volentary gave the car back in XXXX All that time I was paying {$370.00} a month for the past. 4 Years they sold the car and was still asking me for the full a month of {$14000.00} Which I just think if I was paying for 4 year the interest I should have start paying down on the amount of money that was charge for the car. But now they told me I have to pay {$14000.00}
Product: Checking or savings account

I was given a check drawn from an account at XXXX XXXX  XXXX on XX/XX/XXXX which I deposited in my Chase Bank account. 

In XX/XX/XXXXXXXX  the maker of the check contacted me and asked me if I had redeposited the check on XX/XX/XXXXXXXX  as the funds were removed from his account again.. I told him that I had not and provided him with copies of my bank statement to show that I had not received additional funds. 

On XX/XX/XXXX, Chase debited my account by the amount of the check in question with the following explanation : " Debit for {$930.00}, an item was processed more than one time. The item posted on XX/XX/XXXX, and again on XX/XX/XXXX. Our reference number XXXX, Check Number XXXX, Deposit Location Number XXXX '' When I queried this with Chase after many phone calls, visits to the branch and complaints, I was advised that even though Chase knew I did not receive the funds twiceXXXX XXXX XXXX XXXXXXXX told them to remove the funds from my account because the check had been deposited twice and Chase had no choice but to do what XXXX XXXX XXXXXXXX said . They further advised that I should contact the maker of the check to tell him to file a complaint to XXXX XXXX XXXXXXXX for an unauthorised presentation of the check XX/XX/XXXX and to verify that I was not the recipient of the funds of the second presentation. 

The maker kindly spent an hour and a half on the phone with XXXX  XXXX XXXX who told him that they could not do anything and I should contact Chase to get my money back. 

I am a victim of bank fraud and both banks want to pass the buck to each other. 

I am enclosing copies of the check in question, bank statement showing the deposit of the check in XXXX, statement showing the second deposit in XXXX did not go into my account, and a statement showing teh debit by Chase.
Product: Checking or savings account

I have a chime checking account and three ( 3 ) unauthorized fraudulent transactions occurred taking {$1200.00} ; {$100.00} ; {$2300.00}, from my account illegally. I contacted the company Chime and requested a dispute and to return the funds immediately, for which they refused to do. I contacted the company XXXX that took the funds unauthorized transaction from my account, for which they told me Chime has not reported or requested any funds on my behalf. I told Chime agents what XXXX company told me regarding the dispute I filed with Chime ( XXXX company was never contacted about a dispute for my account about an unauthorized fraudulent transactions that occurred on my account ). In addition, I told Chime they were violating Federal Banking laws for not returning my funds because of the unauthorized fraudulent transactions. I received an email stating no error occurred.
Product: Student loan

Firstmark services reported to XXXX 60-89 days past due on a private student loan while I am enrolled full time at a University. They had failed to check the student loan data clearinghouse regarding processing automatic in school deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called regional acceptance corporation after the collection agency called about settling the debt for the amount shown i the letter send to me. they picked up the phone once and never again. I took the settlement paid it off and the the account had not been reported as settled to the credit bureau. I would love for the right information to be report it and fix on my credit report..
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXXutopay. 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. My funds are locked on the platform. I used my Coinbase account to transfer ETH to the platform which does work and syncs up with the exchange. I was able to transfer ETH from the back door platform site to my Coinbase and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. I have all hashes, screenshots, wire transfers with my bank to the Coinbase exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. Please contact me at my cell number XXXX to discuss further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made two requests to Equifax by means of notarized letters transmitted by certified mail with return receipts. The aforementioned requests were that the company either remove inaccurate info or provide written proof that the alleged information is correct, to include sending me the original credit applications and sending me proof of an alleged bankruptcy. The company has not complied with my requests. I request that your agency intervene by compelling Equifax to comply with my requests. 

Further, Equifax just made an unreasonable request. They've refused to further act on my requests until I prove my identity by mailing my driver license and social security to two ( 2 ) desperate Equifax mailing addresses. I feel that this is an excessive request. Why do I need to mail the information to two locations? I am an identify theft victim. I'd like to avoid having my personal information and ID cards floating around different places. Equifax truly is being abusive toward me and I wish that they'd stop.
Product: Credit card

Spoke with Chase Bank they have put a stop on the application submitted and is in process of sending forms to report the fraud. I have notified the Credit Bureau and am requesting a credit report