23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

The lender Household finance is saying that my maturuty date has expired - so I need to pay the balance or do another loan to last 10 years. I need them to provide all the documents to prove what they are saying such as evidence of the maturuty date. and all documents.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has a feature where your establish payments by logging into your bank 's website to set up payments. I established this when I took the loan in September and received confirmation that Autopay was setup. In XXXX, I was notified that my loan payment was late. I checked my text, it showed autopay as established in XXXX. I made a manual payment, enrolled in autopay again. I received confirmation that autopay was established and would be used for my XXXX payment. In XXXX, I again received notice that my payment was late. I checked my phone, a confirmation of autopay from XXXX and XXXX was received, again, this autopayment was established by entering the credential for my bank on my bank 's website. Affirm claims that there is no account ending in XXXX and that the bank rejected the payments to them. When I called my bank, there is no record of any attempt to withdraw my payment. After making my payment for XXXX and again ensuring that autopay was established for this loan account, I again received a confirmation that autopay was established. Fast forward to today and I receive notification that my loan is over due. I will not have my reputation ruined by a lender whose website is not working properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. 
Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Sincerely yours, XXXX XXXX
Product: Vehicle loan or lease

The car was repossessed and sold at auction its been on my credit report since XXXX and it is affecting my credit score, home loan for new house and business loan for my new business It was repossessed XX/XX/XXXX after vehicle was sold and the account is closed but its saying current but its not please have them remove it from my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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: Student loan

I previously filed a complaint against MOHELA for not informing me of a forbearance until it had ended. MOHELA responded to the complaint and stated I could request a refund. I called them on XX/XX/year> to request the refund and was that request had been made and it would take up to 30 days to receive the funds. On XX/XX/XXXX I contacted them again as the refund never arrived. During that call they stated an accounting investigation needed to be complete to find out why the funds did not arrive and this could take up to 17 business days. On XX/XX/XXXX the refund still hadnt arrived so I contacted them again and was told that there was no record on my account of a refund being requested. The agent stated that she would put in the request and that it could again take up to 30 days for this to arrive. At this point Ive been waiting 2 and half months for a refund to arrive and am being told I will have to wait another month. This of course assumes they actually action it this time.
Product: Mortgage

On XXXX XXXX XXXX, before the rate increase, I applied for a mortgage with AimLoan.com. I was given a set of required steps and required documents. At no time during the application process was I told that XXXX of the lenders requirements was XXXX transcripts of tax returns. My rate lock expires XXXX XXXX, XXXX. On XXXX XXXX, AimLoan supervisor advised me that " Proof '' that the XXXX taxes had been filed was required. A signed copy of the tax return was not good enough. We had a brief conversation that if I submitted false documentation to obtain a mortgage, that would be a felony. The AIMLoan supervisor did n't care. I contacted XXXX Tax Advocate for my area to see if there was a fee I could pay to expedite making transcripts available. There is not. This is a 6 to 8 week process and there is nothing I can do about it. He mentioned that XXXX XXXX should allow for stamped copy of the tax return, showing it was filed in person. I went to the XXXX office and filed my taxes in person. I received a stamped copy showing they were filed. I advised AIMLoan and provided them a copy of the XXXX Stamped return showing it was filed. AIMLoan decided that this did n't meet their lending requirement. That they must be able to receive a transcript. Even though today is XXXX XXXX and 6 to 8 weeks is way past my loan lock and since Fed raised interest rates in XXXX, after my rate lock, the person who is losing thousands of dollars and maybe the contract to purchase this house is me.
Product: Checking or savings account

I saw the lawsuit with Wells Fargo and have been a customer for years. XXXX not sure if XXXX entitled to any reimbursement.
Product: Checking or savings account

On XX/XX/year>, a friend of mine XXXX XXXX, sent {$4400.00} to my XXXX XXXX  account # XXXX, and I sent to her Chase bank account # XXXX. 
But Chase refuses to verify it, and give her her money, saying they need to talk to me because they think that it was a fraudulent transaction for some reason but I gave my phone number XXXX times, I also try to call the Chase bank at their client investigation unit at XXXX, But they would not talk to me because I am not the actual account holder. I have had a lot of problems with chase bank in the past so bad that I closed my account. There aren't a lot of people that have severe problems with chase bank for some reason. It took me over a year to get money out of my account the only reason I did was Because I filed a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the CFPB because Flagstar has not properly investigated this account. They are not looking into any information I am providing in regard to the erroneous late remarks on my credit report. 

This company has violated RESPA as well and I need this is be properly investigated. 

This is for loan number XXXX. Property address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX. 
This loan transferred from XXXX XXXX  to Flagstar Bank in XX/XX/XXXX. 
In XX/XX/XXXX, I informed XXXX XXXX  of an address change as the property address your company has on file is a Rental Property and we were not residing there. 
I was told by XXXX XXXX  that the address was updated. 
XXXX XXXX  transferred the loan without my knowledge to Flagstar in XXXX. I received no welcome call, email or letter regarding this transfer. 
I spoke to a representative named XXXX from Flagstar on XX/XX/XXXX and she stated she agreed that this was a solicitation issue and they did not properly inform me of the transfer. 
Flagstar is also violating RESPA as I have 60 days to pay anyways once it has been transferred. 
Flagstar responds stating this is accurate with NO OTHER INFORMATION. I have asked multiple representatives to explain how this is accurate and they are unable to. 
This is NOT accurate information AT ALL. I asked for call transcripts to be transferred from the beginning of XXXX from XXXX XXXX  to Flagstar because Flagstar can only see calls from XX/XX/XXXX to now. 
I attached my proof from USPS that clearly shows Flagstar was sending the information to the wrong address. This is an error by XXXX XXXX  since they did not change the address when informed. Flagstar also did not properly update this information. I was NEVER informed of this transfer and Flagstar can see I have never been late on this account until they wrongfully forgot to update my address.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I send payments through my XXXX XXXX ( XXXX ) checking account to my mortgage company, Quicken/Rocket Mortgage. I can see on my XXXX account when the payments are received by Quicken. However, Quicken doesn't seem to apply the payments timely. 

I have a XXXX account which shows " unknown '' for timely payments I made in XXXX through XX/XX/2020. All the payments were made in advance of due dates. However, when I contacted Quicken after seeing them on the credit reports, Quicken threw the issue back to XXXX. I asked Quicken to contact the credit bureaus and report them as paid timely. They indicated they don't do that!

I don't trust Quicken with what I have seen for several months on applying payments and doing it timely and accurately.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/2023 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.

This company 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

I keep calling XXXX  and informing them that the information used to apply for a credit card was not mine. 

The had been a fraudulent application. 

XXXX is not fixing the problem and not giving me the information used to apply for a card under my name and SS This is showing on my credit report.
Product: Credit card or prepaid card

Hello I applied for a credit card with avant and was approved. Then they lock my account because they said my address was different with XXXX  which it wasnt. I sent in the appropriate documents and they wont unlock my card. Their customer service department is TERRIBLE. I got this card for a specific reason. This is absolutely ridiculous. Why send the card if there was a discrepancy just to send it and i cant use it. Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was looking into my personal credit report and noticed that there was some incomplete, and inaccurate information on my report. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. As well as Whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX. XXXX Section ( I ) ( XXXX ). This account XXXX XXXX, XXXX XXXX, is not complete and is not accurate. 

XXXX XXXX, XXXX XXXX open date is not reporting correctly, date of last active, date of last payment, this account is not accurate or complete. 

I mailed out a letter for verification on XXXX XXXX. Asking all Credit Bureaus to reinvestigate this account. 

I got the investigation back ( XXXX Report XXXX XXXX ) but noticed nothing modified or updated. According to XXXX XXXX XXXX ( I ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE PAID AS AGREED/NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

i don't recall allowing this credit inquiry.
Product: Credit reporting or other personal consumer reports

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Product: Checking or savings account

I have requested that Chime Bank close my checking account, because it was compromised by a hacker, who has constantly changed the email address and phone number to the account and has stolen my funds and made bogus purchases with merchants. The bank has granted by request XX/XX/XXXX and the hacker had it re-opened on XX/XX/XXXX and I immediately reported it. On XX/XX/XXXX, I requested again to close the account and the agent told me I had to wait five business days for it to take place, but has not been done. On XX/XX/XXXX, I made the request again and I have to wait for twenty-four hours for them to get back to me, which they haven't done yet. This bank has been giving me the run-around, since the fradulent activities started on XX/XX/XXXX and I want to distance myself from Chime, because their security protocols XXXX, even though I have been telling them how the hacker has been breaking their security protocols, but nothing has been done about it on their end. I am very disappointed in Chime and I have been their customer since the year XXXX and this is how they treated me.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i have issues with payment history being inconsistent with XXXX, XXXX, and XXXX all three CRAs report different & inaccurate data. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have experienced a hardship which for the accounts that i have included screenshot inside this complaint in on dates of Please investigate and provide proof with statements showing that these payments were late. All Santander calls are monitored and recorded and If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SHEFFIELD FINANCIAL CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the
pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SHEFFIELD FINANCIAL CO  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

XXXX XXXX Thursday, XX/XX/XXXX I called TD bank they told me I have to come in to set up online banking. I arrived shortly after I arrived @ TD bank XXXX XXXX supervisor Im formed me of 3 open accounts that I had open recently I called TD bank they told me to come to the office to sign a document that was n't known to me stating that they get my funds I was lied to by XXXX XXXX informed me nothing instead told me I was signing for the 3 accounts I my signature was not authentic because I was n't aware of the fraud That was being played on me I made 3 deposits in 3 accounts all totaling over ten thousand dollars and the say that there was no deposits ever made a lie XXXX said that they may close my account due to an old account that I owe {$250.00} because of a charge off account # XXXX was closed on XX/XX/2015 that 's why they had to closed my accounts which I never had access to. Other than atm deposits she called a number which is XXXX I called the same number it said that was no account which I was lied to about a charge off for {$250.00} she got caught in a lie and then called the police stating she did because I did n't have a shirt on which cameras prove I did have a shirt on police come and threatened me that the owner said if I comeback to lock me up for trespassing. When they wanted me to make a deposit in that branch to get online access to my account this was a scam from day one I feel that my account and personal information has been compromise by TD bank ceo/staff I have a lot of identity theft being used in my name I 'm reporting fraud and identity theft I was forced to sign papers that breach of contract please help I 've tried countless times to resolve this matter please help me resolve this matter city of XXXX police threatened me XXXX and partner.