23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX-went to M & T bank with check for {$9500.00} to deposit $ % XXXX to checking and {$9000.00} payment to home equity line of credit.I received receipts for each transaction. 

XX/XX/XXXX-no money showed in either account ; reported it to bank XX/XX/XXXX- {$500.00} showed in checking ; nothing in home equity several more visits XX/XX/XXXX-bank calls central services again ; say they've figured where the money is ; will take another 3-5 days to credit account. With my vocal complaining they'll try to expedite in 2-3 days. 

This means ~2 weeks to credit my account for the {$9000.00}! This is far too long. It was their computer malfunction that was responsible. 
I have my documentation/
Product: Mortgage

I Have been under a chapter XXXX that was discharged on XX/XX/XXXX. The HELOC loan I have was with XXXX XXXX XXXX. I got a letter from them dated XX/XX/XXXX saying that they have sold my HELOC loan to Specialized Loan Servicing LLC and that they are taking over the loan on XXXX.I am suppose to close on my refinance on XX/XX/XXXX. I have contacted Specialized Loan Servicing daily for the past week and they can not provide a payoff amount yet and are now telling me that instead of XXXX which they originally said they could, now they are saying XX/XX/XXXX!! I also have not received a welcome package from them yet telling me where to send my payment due on XX/XX/XXXX if I end up having to make it, although XXXX XXXX XXXX did say I could get it to them and they would forward it to them. I am concerned about that because of all the bad reviews I see on SLS LLC, as far as them posting payments on time and then charging late charges on those payments that were indeed paid on time. I just want to be able to close my refinance on XX/XX/XXXX as we have planned and am hoping you can urge them to get my payoff amount sent to our loan officer. I can not believe they can't look up that information and get it done for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Virginia XXXX XX/XX/XXXX XXXX XXXX, XXXX and Experian To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virginia XXXX
Product: Checking or savings account

A debt collector called XXXX XXXX contacted over a year ago to notify me that I have {$290.00} of debt with Citizens Bank pertaining to a checking account from XXXX. I have not had an account of any kind with Citizens Bank since XXXX when my personal checking account with Citizens was transitioned to a personal checking account with XXXX XXXX. XXXX XXXX purchased my Citizens branch in XXXX. My account and associated funds were transferred to XXXX XXXX. My Citizens account was in good standing and, If I had a negative balance with Citizens, the account would either not have transferred to XXXX XXXX or it would have become a negative balance with First Merit. Further, I received no correspondence from Citizens notifying me of this debt until the debt collector sent me an invoice in XXXX. I was not contacted for any reason by Citizens during the previous XXXX years and out of nowhere I got this debt collector notice, the first of several. I contacted the debt collector and Citizens Bank via email on XX/XX/XXXX to inform them that I do not, in fact, owe Citizens Bank anything. I contacted both companies again on XX/XX/XXXX repeating the facts. In the summer of XXXX I filled out required documentation with the debt collector explaining, once again, what I explained above. On XX/XX/XXXX I received a response from the debt collector with account statements in my name from XXXX. The debt collector 's response said " This debt is valid. '' Again, I had explained to the repeatedly that I had not had an account with Citizens since XXXX.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing inaccurate information on my consumer report with Experian via certified mail on XX/XX/XXXX I filed several CFPB complaints along with supporting documentation, providing proof of inaccurate reporting and Experian has failed to comply with consumer laws as outlined by congress. Here are a list of the complaints that I have filed since XXXX XXXXXX/XX/XXXX : XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ( including FTC Identity theft report # XXXX XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; XX/XX/XXXX CFPB complaint # XXXX ; The following consumer violations have been committed against me : 15 USC 1681a ( 2 ) ( i ) - exclusions from consumer report 15 USC 1681 section 602 A-violation of my privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions 15 U.S. Code 1681i-violation on length of time to investigate and reinvestigate U.S. Code 1681s-2- prohibition of reporting info with actual knowledge of errors U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting U.S. Code 1692e- furnishing false and misleading information on my consumer report 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

This started last year that we missed the payment due to our vacation trip, we're charged Late Lee ( LF ) and Interest ( I ) but was reversed upon request, which we appreciated. 

On XXXX, we called disputing the total charges of {$32.00}, after a lenghty talk the CSR said she'll try to waived the OTHER LF & I, we then paid the {$17.00}, leaving a balance of {$15.00}, supposedly they will waive. 

We then requested a copy of the statement dtd XXXX and was received. Talked to them again to waive the {$15.00} as pormised, this time based on their XXXX.Statement send On XXXX, Why didn't they gave me the balance then, we assumed it's still {$15.00} but to date ( XXXX ) Talked to XXXX XXXX when asked, it's NOW {$49.00}, representing 2 LF+I, but never received the XXXX Statement. 

Can you imagined instructing us to talk to our Bank, what's our bank got to do with their LF-I?! 

They even reported me to the XXXX for measley {$15.00} arrears, which was not fair afterall my XXXX score was XXXX and was pulled down to XXXX. Unfair from a lousy company to do that w/o checking XXXX background.
Product: Checking or savings account

Hello, I was recently phished by a email posing to be a XXXX opportunity from my school. I followed the instructions in the email and sadly fell victim to the scam by submitting a check to the bank that was fake. The check was for {$950.00} I have photo proof of the entire incident that will be provided in this complaint. My name is XXXX XXXX I called the day of to try and resolve the solution but was told my relationship with TD is over and its permanent with no resolution.
Product: Debt collection

I have Sequium them that I do not owe this debt and to not call me any more and they continue to call me several times throughout the day. 

I block the number and they continue to call me from different numbers. 

I want the harassment to cease
Product: Debt collection

I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted American Express and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if American Express has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I called three time during the month of XXXX which is recorded by Ditech mortgage company to move money from unused funds over to the actual mortgage payment. After the first call the problem seemed resolved online only to find two days later the solution was reversed online. 

Secondly, i submitted payment online on time for. XX/XX/XXXX payment which was stated as received. I then get a letter from Ditech on XX/XX/XXXX saying that the payment was returned for some reason they did not disclose. The letter stated that if I paid as soon as I got the letter that there would be no late fees. Now there is a late fee on my account dated XX/XX/XXXX online in the amount of {$560.00}. This is a serious issue because of the time of the initial payment I have {$5000.00} in my account ; the only account I have used to pay my mortgage. 

His has happened in the past and was hard to prove that they move money around to create a late payment of {$560.00} when in fact the payment is not late.
Product: Debt collection

Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on XXXXxXXXX lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The XXXX sq. ft. XXXX XXXX SUBDIVISION, TWO  story building on sets on XXXX  X XXXX  LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4XXXX home XXXX bed, XXXX bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and XXXX  data on XXXX. Location : XXXX XXXX, FL XXXX. Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot XXXX x XXXX ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property. 
Falsifying Applications and Invoices. Lot XXXX Construction Fraud, XXXX XXXX of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U https : XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Transunion about some identity thief. they both refuse to remove a fraudulent XXXX XXXX XXXXXXXX account after I sent a copy of my police report and FTC report that they requested. They said the account was verified by the company, so I said with what proof? I was told that information could not be provided, and I could not re dispute the account again. I let them know that under the information act they had to provide it, And I was not notified by mail or email of this decision. And was told no they do not have to. This is the second time I have had to make a complaint against both this company for refusing to remove fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information. 
o If you obtained or shared my information without this consent, you are in violation of this statute. 
3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 

XXXX XXXX XXXX
Product: Student loan

Good morning, I am writing in regards to my public loan forgiveness account ( XXXX XXXX XXXX ) payments. I received a letter on XX/XX/XXXX with the audit after I sent a complaint into my attorney generals office. I am still following up on its inaccuracy a year later. I contacted XXXX XXXX, listed on the letter, I spoke with him on XX/XX/XXXX and requested an additional audit on XX/XX/XXXX. I have followed up with him multiple times ( at least 6 times ) since then for an update. 

I received an update on my qualifying payments in my account on XX/XX/XXXX stating I have made a total of 50 qualifying payments but it should be 59 qualifying payments. I was employed at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made qualifying payments throughout employment minus 2 months of deferment to switch payment plans ( another frustrating fact ). I used an education award starting XX/XX/XXXX that was supposed to be split up into qualifying payments. I called and confirmed this was allowed before I submitted the award and was ensured it would be split up into payments. The payment is showing up on my account but as one lump sum payment instead of being spread out into monthly payments. 

Currently my balance shows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX It should be : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I contacted the office of consumer advocacy on XX/XX/XXXX to follow up to my complaint. I was notified that they could not help and advised to contact the studentaid.gov ombudsman. I contacted the ombudsman on XX/XX/XXXX who then directed me to contact the Education departments ombudsman. The Education departments ombudsman was unresponsive ; therefore, I contacted the studentaid.gov ombudsman again on XX/XX/XXXX. 

Student aid.gov Ombudsman XXXX XXXX/Education Dept. Ombudsman XXXX Case # XXXX, I received an email on XX/XX/XXXX stating the lump sum could not be applied. 
I emailed back on XX/XX/XXXX explain I was given false information and made a decision based on this false information that I would not have made otherwise. It just doesnt make sense. 
I received a follow up email on XX/XX/XXXX denying the claim again. 
I called the student aid ombudsman again on XX/XX/XXXX and spoke to XXXX. She referred my call back to the case worker to review my request and call me back. 

I have made payments every month since I started the program and recertified my employer every year since I started XX/XX/XXXX, except for three months of deferment ( XXXX ) to change my payment plan. I should have 78 qualifying payments as XX/XX/XXXX. 

The amount of time I have spent on calling, and writing letters and emails on this issue is insane. This program has been poorly managed and false information has been give hurting everyone who is enrolled. I have been a public servant for over 7 years and would like to be able to use the benefits of this program without the added stress in has caused me. Please provide a response. 

Thank you for your time, XXXX XXXX
Product: Debt collection

This collections company reported to the credit reporting agencies that I defaulted on a debt that was not mine. My credit scores dropped 65 points which resulted in me having to pay a much higher interest rate on a home loan I recently acquired. The debt is not valid to begin with, it was assigned to a XXXX XXXX   XXXX  that I owned in the past. Somehow this collection agency got my birthday and SSN and reported to all the agencies. I contacted the collections company and explained everything and they refused to change the misreporting.
Product: Mortgage

I have a mortgage through Rushmore Financial Services. I  called to ask about government help for Covid-19 affected families. I was told that there was a forbearance offered but that I would first have to pay my current mortgage payment. The gal also let me know that I would likely lose my house at the end of the forbearance anyways. She offered no other solution. I paid my mortgage but that leaves me extremely tight. I am just trying not to leave myself in a financial peril during this time. I feel like this company is attempting to manipulate the rules of these programs to take advantage of people.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute about an account that was reporting my account 180 days late incorrectly. XXXX XXXX XXXX XXXX XXXX account late. And when I disputed it with shellpoint, they responded by stating that they sent a correction to the bureaus, but they never removed the late payments from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I don't have a contract with this company. thy did not provide me with the original contract as requested. 


I did not authorize hard inquires from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX Credit Card account on my Equifax, XXXX, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. Equifax, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of {$XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
Equifax is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.