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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

THIS IS THE SECOND TIME I AM FILING THIS COMPLAINT In    XX/XX/XXXX    I noticed that I had a strange charge in my checking account. The charge was fro   XXXX  . I pulled up my checking account and also noticed a " preauthorized check '' in the amount  XXXX  that was taken from my account. After some time I realized that I had been charged monthly sin ce  XX/XX/XXXX . I was pretty upset over this and decided to contact Chase Customer Service. The  person I spoke with said that there was nothing they could do. I said, " I did not authorize these charges. Surely you can do something. '' Th e Chase asso ciate would not help me. I then spoke with her supervisor who said that there was nothing he could do. I asked to speak with his supervisor. He called me a few days later and apologized but he could not help. I then said, " can you at least stop these charges? '' They said, " we can do a stop payment on each for {$30.00} for eac h ( 60 tota l ). I tried contacting  XXXX   XXXX  and  XXXX . I could not get in touch.  One time a wo man answered and she sounded like she was in her car. I was NOT going to pay chase to stop these charges. I was going to find another way.   Several months ago, my boss told me to contact the CFPB in order to dispute these charges. The charges for  XXXX  are from  XXXX   (  totaling  XXXX  ) and the checks are from  XXXX  ( totaling  XXXX  ). After I contacted CFPB, someone from  Chase contacted me and told me that she would help as best she could. She called me a day later and said, " Oh, you never filed a claim with Chase. '' I said, " I was never told to file a claim. I spoke with an associate and two supervisors. They all gave me a hard 'no. ' '' She said, " Oh well I ca n't help you until you file a claim. '' Ok, so I just called Chase in order to file a claim. The claims adjuster name d  XXXX , just told me that she coulud not help me at all. That they can only go back as far as 6 months. She ca n't even pull up the record. I said, " that 's funny, because I just printed up every month that was charged. '' I then said, " well, I need to file a claim so that I can move forward with this. '' She kept telling me that she could not help and that there was nothing that could be done. At this point I 'm upset. I did not authorize these charges. I was scammed and this is not right. I want all of my money back. I want the  XXXX  and  XXXX  charges refunded back into my account. The total should be : {$1600.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Phone calls every hour from the same number attempting to collect a {$60.00} fee - which is a late fee on a contested late fee.
Product: Student loan

My loan is under investigation supposedly at AES fraud department. They have not responded accordingly at this time and are demanding payment impacted my credit with negative reporting. My promissory note was forged false certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Mortgage

On XX/XX/year> a loan modification with Shellpoint Mortgage Servicing was applied to my account. I made my expected payment of {$1200.00} on XX/XX/year>. Today, XX/XX/year>, I tried to make my payment for XXXX and see that I'm expected to pay {$2700.00} due to my escrow payment now being {$1900.00}. This is a sharp increase from my expected escrow payment of {$490.00}. I called and spoke to a representative who told me this is due to them doing an escrow analysis in XXXX, the same month they were working on my modification. When I brought this to her attention she says that it's an automatic analysis and my modification wasn't taken into account. She then told me they received a huge payment for my escrow, this is because a modification settles your escrow deficit and puts it into a new principal balance. This isn't even the information she knew to tell me but what I know from dealing with the modification myself. She then tells me they sent a check for {$2200.00} saying I had a surplus in my account. However, they're still expecting me to pay {$2700.00} for both XXXX and XXXX each due to an incorrect escrow analysis. When I brought this to her attention she says the extra amount is to bring me out of a deficit. How do I have a deficit when you're sending me a check for a surplus? Overall, my escrow account should be regular. It shouldn't be a surplus or a deficit. Because of them mistakenly sending this check, my escrow account now has a deficit. Please see the attached photo to see how this mistake has messed up my account. Since my loan was transferred to them in XXXX, there have been ongoing issues. From lack of communication leading to me having prolonged missing payments and ruining my credit to applying the master condo insurance to my account instead of my private home insurance. This has been nothing short of a headache and I have had to constantly reach out to XXXX XXXX to deal with them. I am under the impression that they are either trying to force people to foreclose or are extremely incompetent. Either way, I need my account fixed asap.
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 21 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 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 or other personal consumer reports

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 


Account Name : XXXX XXXX XXXXccount Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Product: Credit reporting, credit repair services, or other personal consumer reports

A top story in the news today ( X/X/2017 ) is the massive data breach of borrower data collected and maintained against borrowers and potential borrowers. Equifax tracks my credit worthiness. I want to know whether my personal data was among that which was breached and whether CFPB is going to enforce my California Constitutional Right to Privacy, and how they intend to do it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX XXXX  AKA Total Visa  Card had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with XXXX XXXX XXXX. I now have two fraudulent lines on my credit report.
Product: Checking or savings account

On XX/XX/2021 I attempted to use my ATM card and was denied. I had {$500.00} in my account. Capital One informed me they migrated systems and I would not have access to my account for 48 hours. It is now XX/XX/2021 and I still have no access because they lost and closed the account. I have spoken to apporximately 10 reps who just pass my call around and disconnect me. They claim to be aware there's a problem but there's no solution date in sight. I have my paycheck on direct deposit and a number of auto pays that I can't access. No one is helping and I can't survive without my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account XXXX XXXX i just received a copy of my credit report. I noticed that you are reporting this account incorrectly. The payment summary is not accurate at all. The following dates are reporting inaccurate, so for the year XXXX for XXXX is reporting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX as DATA UNAVAILABLE. EQUIFAX is reporting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX shows DATA UNAVAILABLE except XXXX and XXXX shows PAID ON TIME but, XXXX shows DATA UNAVAILABLE. XXXX shows the same as EQUIFAX so therefore this inaccurate credit reporting. According to the FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

I was offered a loan over the internet. And filled everything out online. I borrowed XXXX and have been paying on this almost for 2 years, The payment is drafted out my account of XXXX two times a month. I was not aware that only XXXX goes towards the pay off the rest is a service charge. And they charge the billing/service fees 2 times a month. It will take forever to pay off the loan, unless i can hand them the full amount of the XXXX after i've made soooo many payments, Never borrow from this company its a horrible company who pray on the struggling.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX  Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Student loan

I have tried at length to get an accurate IDR count from both Student Aide.gov and XXXX. I have been in repayment on Student loans since XXXX. My count on the IDR tracker on Studentaid.gov shows XXXX out of XXXX. I can go in and count all eligible months and it shows counts to XXXX. But customer service reps keep telling me it's XXXX but then say they really don't know because the system may not be updated. But The website shows XXXX and XXXX months. On XXXX end they have not been able to tell me anything. I just want to know the accurate information so I can make a plan and some financial decisions to complete this burden. I don't understand how I can see XXXX and I'm being told XXXX. That's a XXXX difference in my life. Please help. I can send screen shots from the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC Opened Date XX/XX/, 2014 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that RUSSELL COLLECTION was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I was closing on a condo- it was set to close on Friday, XX/XX/year>. On XX/XX/year>, my lender, XXXX XXXX from XXXX XXXX called me and said that I couldn't get the condo because it did not pass the condo questionnaire. The lender never told me about the condo questionnaire and implied that everything was set to go before this phone call. I have lost a significant amount of money because of this lack of disclosure and would not have paid for lease breaking, appraisal, or inspection if I had known that the condo was possibly not even eligible for a loan. He did not inform me of this until a week before closing and the only compensation that I was offered was a credit for my past appraisal amount and a free future appraisal for my next deal if I continue to use the lender. Because of his lack of disclosure, I am out thousands of dollars, lost a deal, and currently do not have a home. 

The contact information for the person I was working with is : XXXX XXXX Loan Originator NMLS # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I went to atm machine to get XXXX never received the money contacted my bank they are charging me for XXXX $ I have recipt from the atm that I didnt get the XXXX
Product: Credit card or prepaid card

I opened a promotional credit c ard with USAA in   XXXX . I made a couple purchases totaling  XXXX  in addition to the promotional transfers. Their credit card terms state o n page 14 section d that any payment above the minimum payment will be applied to the balance with the hi ghest APR. In  XXXX  I paid almost  XXXX  and they applied the excess to the lowest APR and charged interest on the highest APR. I called 4 times and was bounced around, lied to, deceived and told that I was wrong until I spoke to a third level manager who admitted i was right and waived the fee plus calculated what needed to be paid in  XXXX  to stop the interest at  XXXX . In  XXXX  I paid almost  XXXX  and again it was applied in the same manor and I was charged interest. I called ag ain and again got the run around. This time the third level manager could not have cared less. USAA ad vertises caring and customer service and I got the exact opposite. As a  XXXX  vet I expected more from a company that says they will take care you those who served. Instead they word rather jerk me around lie deceive and steal from me. It 's not about the money it 's about the honor integrity and morals of a company. It is clear that  USAA has none of these. We have multiple accounts across our family and we will be closing all of them. USAA will lose at least 6 custo mers for the  XXXX  that they stole from me. Does not seem worth it to me.