23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They call me 4-8 times every day. starting at XXXX and ending around XXXX.
Product: Mortgage

I have been pursing a short sale process with, Chase since, XXXX XXXX, XXXX. The XXXX lender, XXXX ( since submitting a complaint with CFPB in XXXX XXXX, XXXX ) has granted me permission to pursue a short sale of the property. Chase, is a the XXXX mortgage, which is a Home Equity Line of Credit. Chase continue to delay making a decision on my case. I can no longer afford to keep the home, due to a financial hardship. I am retired, and living on a fixed income. The home is a XXXX-story townhome, with XXXX steps. I am experiencing health problems, which requires me to see several physician monthly. My medical expenses are costly for treatments and medications. Heating and cooling of the home is over {$1800.00} a year. I am faced with expensive, emergency home repairs, and on-going maintenance. My income can not keep up with the cost to maintain the home. 
I have complied with all documentation requests from Chase. I have submitted all information accurately and timely since, XX/XX/XXXX.Chase continue to delay making a decision on the short sale requests. I have sent multiple repeated documentations to Chase. They have no justification to continue denying me approval to short sell the property. At the present time I continue to receive warning letters of threatening to foreclosure on the property, in spite of being in a short sell process. I truly feel as a XXXX year old, XXXX that I am being treated unfairly by Chase. I need your assistance with investigating my case to find out why Chase will not come to a decision on my short sale request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why

is is it taken more than 4-6 months and i still haven't received the responses???? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of
FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I submitted written letters to the credit bureaus. Enclosed in those letters were items that needed a sufficient amount verification. My name was misspelled numerous times, various incorrect addresses, several erroneous accounts that included, closed, charged off, and incorrect accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I SUBMITTED AN ONLINE FRAUD DISPUTE TO EXPERIAN ( EXPERIAN REPORT # XXXX ) WITH AN FTC ID THEFT REPORT # XXXX. ON XX/XX/2019 I RECEIVED A LETTER IN THE MAIL FROM EXPERIAN STATING THAT THEY HAVE CONFIRMED THAT IT WAS A FRAUDULENT DOCUMENT AND THAT THEY RESERVE THE RIGHT TO REPORT ME TO LAW ENFORCEMENT. ON XX/XX/2019 I CALLED THE FTC AND THEY ADVISED ME THAT MY FTC ID REPORT WAS VALID. ON XX/XX/2019 I CALLED EXPERIAN AND A EXPERIAN FRAUD DEPT REP ADVISED ME THAT THEY DID NOT KNOW WHY THE LETTER WAS SENT OUT BUT UPON HER REVIEW OF THE FTC ID THEFT REPORT SHE DECLARED THAT IT WAS INVALID AND WHEN I ASKED WHAT MADE IT INVALID SHE SAID IT WAS INTERNAL INFORMATION THAT SHE COULD NOT RELEASE TO ME. I NEED TO KNOW WHY MY ID THEFT REPORT WAS RULED INVALID.
Product: Mortgage

I have been in a loan modification with PNC mortgage for 6 years, my payments they set up for me to pay, have all been made on time and now they tell me I am behnd {$420000.00}! They want me to do a new modification and tell me Im going onto forclosure
Product: Mortgage

I lost my job in XXXX, just after the stock market crashed in XXXX. I tried multiple times to get the payment lowered before I was FORCED to sell my house. Each time I ran into " you don't meet the requirements for refinancing ". I was told that that my account and in good standing, yet I was refused refinancing. Wells Fargo must have records of my calls as there many. This is how Wells Fargo treats it's customers! I had to sell my house to keep from losing it!!! 

If further information is needed please contact me.
Product: Debt collection

Good Morning, I called TSC Accounts Receivable Solutions and spoke with a representative named XXXX, who did not disclose himself as a debt collector. He told me the balance of my $ XXXX debt was $ XXXX. I asked him about the additional {$400.00} dollars added to my medical bill and he stated that the medical bill accrued interest and he is allowed to do this by law. I asked what law defends adding an interest amount to a medical bill when I never initially agreed upon having interest accrued on any medical bill I attained on my date of service with my medical provider. 

He stated that civil code- Article 15 Section 1 Part 1 supports a 10 % interest is due per year on any unpaid medical bills once collection efforts begin. I researched the statute while on the phone with XXXX and explained that after reading the statute, it states that this accrual of interest is for : For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding XXXX percent per annum ; provided, however, that any loan or forbearance of any money, goods or things in action the proceeds of which are used primarily for the purchase, construction or improvement of real property shall not be deemed to be a use primarily for personal, family or household purposes ... and that it did not state this was allowed by law. 

He then became very rude and stating that " thats neither here or there but you can either pay in full or it can stay on your credit ''. I stated that I would like to pay my balance in full but not {$400.00} more than initially agreed upon my date of service. He again became rude on the phone and began to bully me into paying, at which time I asked for a supervisor and XXXX declined. 

I disconnected the call and called back to speak with a supervisor at which time I spoke with XXXX who supported the disrespect and sarcasm of her employee and stated there is no supervisor for her although she disclosed that the owner is who I would need to complain to. I asked for her email, she stated it was XXXX. XXXX could not explain the interest due or the law that supports interest on medical bills, however out of desperation I paid the principal amount due and the illegally accrued interest. 

I am writing you today because I feel that I have been taking advantage of and refused the right to escalate the matter to the company and I do believe that their business practices should be investigated. I saw that there are currently XXXX medical collection disputes with the consumer finance department and I too want my story heard and reviewed by someone who knows the rights I may or may not have. 

Collection Agency Contact Information : TSC ACCOUNTS RECEIVABLE SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX Email : XXXX Thanks Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! XXXX, TransUnion, and XXXX, that this inquiry due to Violation of 15 USC 1681b Thank you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX  Credit Cards Issued by Finance Companies XXXXXX/XX/XXXX TransUnion XXXX full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should reflect that it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Account Name : XXXX XXXX XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complain concerns that XXXX has reported a failed to pay status on my credit report in reference to my previous lease ( XXXX XXXX XXXX account # XXXX ). the agreement per new lease being obtained ( XXXX XXXX XXXX account # XXXX ) was that three payments were going to be made by XXXX XXXX XXXX dealership itself and the last two payments being taken care of by the loyalty program. In result, that would of taken care of the five final payment obligation on previous lease. The final two payments through the loyalty program were not received by XXXX as agreed upon then when the new lease took place. I have been to the dealership a few times, I have wasted more than 3 hours of unnecessary time waiting to speak to the manager. I have always been told that the manager ( XXXX ) would see me and that I had to wait. Long after waiting and getting upset with the staff, I was told that the manager would not be present that day. Attempted to make a few direct appointment to see the manager ( XXXX ) and every time he was never present for our appointment. 
i have called XXXX directly to resolve this issue without any success. Upon the last clarification from XXXX XXXX XXXX 's financial supervisor due to my fathers bankruptcy the loyalty program will not take effect even though i was not in any way involved with his bankruptcy. The sales & leasing consultant XXXX XXXX knew of my fathers bankruptcy during the transaction and i was informed by him that this would not be an issue or problem to make all the payments needed in order to close the old lease account # XXXX and preceded in selling me the new lease ( account # XXXX ). I am very frustrated with the financial hardship and credit damage. As this has lowered my credit from a XXXX to a XXXX and now showing my status as a delinquent. This has complicated my financial aid and other financial issues. a failed to pay status on the old lease from XXXX has been posted in my credit history. All of this unnecessary work, time, headache and worrying was unnecessary had the staff followed all necessary steps finding the discovery of my fathers bankruptcy status. This should have never taken place as to the employees have all the resources they need at their fingertips.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesnt belong to me and need removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several times have requested Capital One and XXXX to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My XXXX student loan was bought out my Discover a few years ago. the first contact made my discover, was after they sent my loan to a collector agency. After I paid my loan for six months, Discover bought my loan back from the collection agency but did not inform me of this until after I called Discover because the payment was no longer going through my account. Discover was unwilling to lower my payments, and added penalties to my loan. Discover would not give me information for my taxes, until after the filing date of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate items 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 investigate, correct, or update the listed incorrect information on my credit report.XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Coinbase allows for debit and bank transfers. They have practices in place that steer you towards using your debit card to make deposits which carry a much larger fee. If you make deposits with your bank account they will hold your money for 7 days restricting you from making trades with these deposits. On the day you make the deposit the money will be debited from your account. What this practice does is deters you from using this method and using debit card deposits which are immediately available for trades. 

I have complained on many occasions and their response is they do this for security purposes. When you respond and ask what security measures they say they cant reveal these for confidentiality reasons.
Product: Mortgage

Hello This is to let you know that the rates that I requested to be locked for my home mortgage ( XXXX buy down ) was not locked at the time and day I requested and it was delayed for no valid reason. I asked for the rates to be locked according to the quotes I was sent by MTH loan agent and I replied back on same day around XXXX to lock it for me. Loan agent sent no reply and I got reply the next day XX/XX/XXXX only to say that market had changed and rates have risen since then. Reason for no reply on XX/XX/XXXX was that agent was not working in the evening ( though it was only XXXX when I asked for rate lock ). I have been asking for rates on XX/XX/XXXX as well but there has been a large delay in my replies and every time I am being a new higher rate quote. 

This has led us to think again if we want to move forward to buy the house for which closing is on XX/XX/XXXX. Theirs delay have caused higher closing costs and future mortgage payments. Increased amounts are significant to us. 

Hence I kindly request you to please consider my request and help us get the rates that were quoted on XX/XX/XXXX. I don't want to say significant higher costs because they delayed things and did not act on my request. Appreciate your help. Attaching the quote as well that I was given on XX/XX/XXXX. Thank
Product: Credit reporting or other personal consumer reports

THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.
Product: Debt collection

I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and incomplete. Upon reviewing my credit report, I have identified discrepancies related to the following accounts : I have attached supporting documents, to substantiate my claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I look forward to your prompt response and the correction of the inaccuracies in my credit report. XXXX XXXX Date Opened : XX/XX/17 Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/17 Balance : {$730.00}, and XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, XXXX, and Equifax indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened a US Bank personal checking account on XX/XX/XXXX, and met direct deposit requirements of at least {$10000.00}. They confirmed this. However, they refuse to give me the {$500.00} bonus even though I met the requirements since XX/XX/XXXX. I have been waiting for the money ever since. 

I asked for reason why they didn't give me my bonus on a checking account. They confirmed that I have met the requirements but that I have closed a business account few months prior. The terms and conditions state I would be not eligible if it's a consumer account, which I did not have. My business account belong to my company, not me. The XXXX XXXX XXXX does not state having previously closed business accounts would be ineligible. 

Therefore, I think they are in violation of the XXXX XXXX XXXX