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

On XX/XX/XXXX, a hard credit inquiry was done by XXXX XXXX. I called on XX/XX/XXXX, where a representative of Rocket Mortgage confirmed that they had pulled a new credit report. On Tuesday, XX/XX/XXXX I had informed the mortgage banker that I was not moving forward with a mortgage application at this time due to a personal issue. On that same day, I received a second call and informed them of the same. On Saturday XX/XX/XXXX, I received another call and I again informed them that I was putting this off and that I had already spoken to a representative regarding the situation. When I called Rocket Mortgage to inquire about the unauthorized inquiries, I was not able to receive any answer to the need for a credit pull given no active application.
Product: Checking or savings account

I opened a new account XX/XX/XXXX. I opened it online. I did XXXXwo mobile check  deposits, totaling just over {$3100.00}. A few days later, i was emailed a security notice saying there was unusual activity on my account. I called Capitol One and was told the checks were made out incorrectly and that I had to have them cancelled and reissued. I thought this was a hassle, so I asked what else I could do. They said I could end the banking relationship and deposit the checks at another institution, as Capitol One had not submitted them for deposit. I said yes, I will do that. So, the account was closed. I asked my aunt, who issued the checks to me, to check to see if they had in fact, not been cashed. She called her bank and low and behold, Capitol One cashed the checks! In fact, the funds cleared prior to my call to Capital One. Its now nearly a month later and Capitol One will not return my calls, will not talk to me when I call them, and will only tell me that this account is under investigation and they have no idea IF or WHEN they will give me my money. I also know that Capitol One called my aunts  bank on XX/XX/XXXX and that the branch did verify the validity of the checks. I have called them many times. They will not return my call, and they have hung up on me when I have called. I feel robbed. I have worked in Finance for 28 years. I have never heard of something like this happening. Its shocking and deplorable.
Product: Credit card

My Comenity Capital Bank XXXX XXXX credit card account : XXXX is lost/stolen and has fraudulent transactions/charges of {$730.00}. The transactions and balance of {$730.00} is all fraudulent charges and not my transactions. I filed a police report. The police report case number : HPD : XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I Received a return check fee of XXXX Dollars reference for check fee On My Account is return check fee XXXX. On XX/XX/XXXX i spoke with XXXX saying he would note the account To have the amount and fee waived. Then On XX/XX/XXXX I spoke with XXXX who would not waive the fee and said that she would register a complaint with back end office that They would not be waiving anything. And on top of this Situation My Credit card is still not reporting to the bureaus And I Have filed a additional complaint with my State Consumer protection agency Pa Attorney Generals Office and pa banking and securities office.
Product: Debt collection

THIS COMPLAINT IS BEING RESTATED HERE A SECOND TIME HOPING IT WILL BE PROPERLY UNDERSTOOD. 

1. Intentional con-predatory monthly billings 2. unauthorized modification of loan balances and monthly payments as opposed to agreed amortization payment schedule 3. Unauthorized modification, substitution and addition of items on the agreed mortgage loan documents agreement.

4. False claims of Default payments, unauthorized charges and fees 5. Threats of foreclosure, unauthorized surveillance and intrusion, trespass 6. Failure to apply received monthly payments checks, hoarding of payment checks and conversion 7. continuing endangerment of mine and family 's lives and causation of emotional distress and et cetera Neither XXXX XXXX XXXX responded to my complaint. How the money claimed owed {$11.00}, XXXX must be explained in a language an average consumer will understand compared to the loan agreement Amortization schedule. Nothing less than the amortization schedule agreed and signed is a valid method of 'debt collection ' here. The claimed Escrow account must be unveiled as to items encompassed therein where the homeowner pays [ everything ] and conceded by XXXX in a written acknowledgement. 

XXXX denounces XXXX XXXX XXXX as the attorney in fact. It must produce ( a ) documents signed by the loan borrower mortgaging the property in question ( b ) It must produce documents consented to and signed by XXXX XXXX XXXX ( property owner ) mortgaging the said property ( c ) it must provide documentation verifying its claim the property is insured by FHA/HUD where both entities have sent written verification of non-insurance of the property and et cetera. 

Yes, publish these so the public will make sense out of your claimed closure of the complaint on the basis of responses recieved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of 1. My Full Legal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus. 

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my XXXX  credit report showing the missing payment and incorrect loan modification report.
Product: Debt collection

On XX/XX/2019 I received calls from XXXX twice within 10min.  They claim they are Regions Financial collecting on an account for a company called XXXX XXXX. I have never heard of this company nor have I ever purchased furniture on time. They asked for my SS #. I would not give it & they actually read off the SS # attached to the account they were referring to! When I stated that was not my SS # or  my address that they gave, I was threatened that the police would be contacted. I told them, Please do. I do not even live in the city of the address they gave.
Product: Credit reporting or other personal consumer reports

Several fraudulent inquiries and accounts listed on my credit report. These accounts and inquiries were opened and reported as a result of identity theft, which occurred due to the Equifax, XXXX, and XXXX data breaches. As a victim of these breaches, I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to remove listed incorrect information on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Debt collection

I received at call on my cell phone from this company Brown Law and I asked them so send me a validation of debt for the account that they are trying to collect on. I received documentation but not enough to actually do any research to see who the creditor is and what the charges are. I also received a voice mail message on my cell phone which is a number that I have listed with the XXXX. When I asked who they were collecting for, the original company she said possibly XXXX XXXX? Are n't you supposed to know? I need more information in order to settle.
Product: Credit reporting or other personal consumer reports

I just recently looked at my experian credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

This Inquiry has no permissible purpose to be on my report. DELETE this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these hard inquiries off my credit report. I do not recognize this
Product: Student loan

NY HESC failed to respond to CFPB complaint XXXX. NY HESC failed to comply with DOE directive to provide payment information for school loans they serviced on behalf of the DOE,  specifically for an exhibit XXXX school listed in XXXX XXXX XXXXXXXX ( XXXX ). NY HESC and DOE have been ordered by a federal judge to refund all payments made including tax XXXX and wage garnishments. NY HESC and DOE are in material breech of the settlement and their non-compliance has been reported to XXXX, the law group handling plaintiff concerns, so that appropriate action can be taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ).

I request that you conduct a thorough investigation of the reported late payment ( XXXX ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law. 

Please provide documentation verifying the accuracy of the late payment ( XXXX ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b.

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I receive letters from ditech finacial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. The letter say this communication is from a debt collector. It is an attempt to collect debt. I do not have any debt, I do not call their number, because they gon na make me crazy calling me. I want this company stop sending me letters.
Product: Student loan

Campus Partners, my loan servicer, has been consistently tardy in their repayment notices. Last XXXX I received a demand letter for {$450.00}. The payment was due on XXXX XXXX, but I did not receive notice XXXX XXXX. The demand letter had been composed at the beginning of the month, but was postmarked XXXX XXXX, rendering it unlikely to arrive before its due date - a fact of which Campus Partners should have been aware. 

In addition, Campus Partners have made themselves deliberately difficult to reach ( no email address, no way to contact them online, a nonresponsive call center that offers no path to speak with management and routinely hangs up ), and have obscured or otherwise failed to provide relevant information about loan information ( such as the ability to consolidate loans, or the actual deadlines for payments ). 

Rather than dealing with them, I have resorted to working directly with my college finance office. The finance office has been helpful, but they should n't be placed in the position of having to do their servicers ' job.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better XXXX XXXX XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/XXXX. I contacted Experian via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Experian is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER ADDRESS AND NAMES OFF REPORT, Please remove these inquiries from my report