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

Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 
Each bureau lists a different high balance amount. Experian $ XXXX {$0.00} /XXXX   {$2200.00}. How is this possible? How is this accurate? 

Each bureau lists a different open date. Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

There should be no past due amounts on a closed and charged off account yet Experian lists a past due amount of {$2200.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
Product: Money transfer, virtual currency, or money service

I own the fact that I was scammed, but when trying to resolve this with Cash App, once I reported the transaction as a scam on XX/XX/15, the other user was blocked. I notified them within hours of completing the transfer. I had to wait 2 weeks to find out today that they were waiting for the scammer to approve my refund- and since she didnt, Im not getting my money back. Now Cash App is telling me to resolve it with the recipient, which I can not do since shes blocked - by their doing. They have no protection for their users and Im out {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting that there was a missed payment in XXXX 2017. I have made all payments on my account on time, and have email confirmation for this payment. I have submitted a dispute through XXXX four times, yet they have never proceeded to correct their error.
Product: Student loan

I have been actively trying to communciate with Aidvantage for more than a month at this point through the following : -- the email address listed in the 'contact us ' on the website -- telephone -- the live chat feature on the website So far, I have gotten only XXXX email response ( I sent XXXX very specific emails asking for followup ), have been hung up on, have been on hold for a combined several hours, and am currently waiting for an agent on the chat function ... it's been XXXX minutes and still no agent to chat with. 

The hours for all these are also so unhelpful for anyone with regular job hours -- I have to take time off work to try and reach someone, and then can not. Even the chat function shuts down every day well before the published hours are over.
Product: Debt collection

Valor Intelligent Processing LLC has been performing abusive debt collection practices they contacted me by phone, and mail several times regarding a debt that I do not owe and used abusive profane language by phone and by mail. Valor Intelligent Processing LLC violated my consumer rights they violated 12+ laws under the Fair Debt Collection Practices Act and is harming my reputation by claiming that I owe a debt that I do not owe. Attached below will be the Affidavit of Truth sent to them and the invoice sent to them as-well as the letter that they sent me. I am demanding that they compensate me for their abusive practices and violations of the Fair Debt Collection Practices Act.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX Via Electronic Delivery Only via CFPB Portal XXXX XXXX XXXX XXXX CreditNinja XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : CFPB Complaint XXXX CreditNinja Loan No. XXXX Dear Credit Ninja, In response to your letter dated XX/XX/XXXX, you are correct that on XX/XX/XXXX, I obtained an unsecured installment loan of {$2200.00} from your institution. As of XX/XX/XXXX, I have paid a total of {$3400.00}, which is 51.8 % more than the original loan amount. However, according to your website, my remaining payoff is listed as {$1700.00}. Understandably, this amount seems excessively high. I do understand that Utah is unregulated as there is no cap, but in researching this topic brought on through recent litigation with XXXX XXXX XXXX as published in the State of Indiana, Rates of interest in the state of Indiana are governed by laws prescribed in Title 24, Article 4.5, Chapter 3 ( Loans ) of Indiana Code. Section 24-4.5-3-201 of this Chapter provides that the maximum rate of interest for consumer loans, not including supervised loans, should not exceed 21 percent per annum on the unpaid balances of the principal. Under Section 24-4.5-3-501, the rate of interest on supervised consumer loans can exceed the 21 percent per annum limit. Various rates of interest on supervised loans are prescribed in Section 24-4.5-3-508. Except as provided in subsections ( 6 ) and ( 8 ), with respect to a consumer loan other than a supervised loan ( IC 24-4.5-3-501 ), a lender may contract for a loan finance charge, calculated according to the actuarial method, not exceeding twenty-one percent ( 21 % ) per year on the unpaid balances of the principal.

While this topic may be open to debate and has many grey areas, as evidenced by ongoing litigation involving XXXX XXXX XXXX and other online predatory lenders, I acknowledge your position. That said, you have already profited significantly from this transaction. Therefore, I am respectfully requesting your consideration in forgiving the remaining balance on this account and closing it entirely. Alternatively, if you must still collect something, I can also propose a goodwill settlement of {$100.00} by me to conclude this loan transaction. I understand that this is an extraordinary request and want to make it clear that agreeing to this settlement would not imply any wrongdoing on your part as a lender. Instead, it would be a gesture of good faith to resolve this matter amicably. 

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

I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as Consolidated Recovery Group has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. Consolidated Recovery Group has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. Consolidated Recovery Group is in violation of their subscriber agreement with all three major credit bureaus, XXXX XXXX  and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from Consolidated Recovery Group to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX
Product: Credit card or prepaid card

I got a fraudulent charge on my Best Buy credit card statement through Citi for {$2600.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX. I contacted Best Buy fraud department for a couple weeks at phone number XXXX. They recorded the information but no adjustment was made. I got a letter on XX/XX/XXXX saying the matter is being given attention. I then received a letter on XX/XX/XXXX saying that I am responsible for the charge. I did not make this charge. Can you help me with an adjustment of this charge. Best Buy did not help me resolve the issue. My phone number for messages is XXXX Thanks for your help. XXXX
Product: Payday loan, title loan, or personal loan

To Whom it May Concern, Hello, please find below the following information. 

Im urgently complaining about UPSTART 's refusal to remove an erroneous 30-day late payment they caused. Despite my attempts to resolve this, they have disregarded my requests for resolution, prompting me to seek your intervention. UPSTART continues reporting an erroneous 30-day late payment in XX/XX/2023 due to there company deducting the payment from the wrong bank account, despite my providing them my correct banking information. I had called them in XX/XX/2023, when they first made this mistake and I was assured once I provided them with my correct banking information that this would NOT happen again. However, they continued to withdraw from the INCORRECT bank account and this has caused me a 30-day late payment, distress, a credit denial, and a negative impact on my credit report. 

I request your assistance in compelling UPSTART to promptly remove the erroneous 30-day late payment from my credit report. ( Please note ) : My account is good standing and up-to-date ( Plus advance/extra payments ). I have also ( prior to this incident ), paid Upstart advance payments. I have never had a 30 day late mark on my Credit Reports/Bureaus etc. ( I have NO late payments with any other companies, that I have accounts/business with. ( Until this incident with UPSTART happened ), My credit history always showed " EXCELLENT PAYMENT '' category on my credit Bureaus. Now because of UPSTART ( as mentioned earlier ), it has truly caused, much distress, credit denial and negative impact etc. 

I thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a 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 Any other adverse item 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 have reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was charged a {$74.00} fee by Venmo that I was unaware of. I mistakenly signed up for a business account and it was not clear a fee would be charged to me on transactions. I requested to switch to my consumer account, have the fee waived and close my business account and they would not waive the fee. 
Thank you for your help.
Product: Mortgage

I have a mortgage with M & T bank that contains mortgage insurance ( PMI ). My LTV is at 79 % and M & T states that they wont remove PMI from my mortgage until LTV reaches 75 %. 

The 79 % LTV is confirmed by their own appraiser. Ive never missed a payment or broken any terms of the loan. 

The law from what I understand is that PMI can be removed from the mortgage at 80 % LTV and automatically falls off at 78 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment that is not true and one account that is not mine and one account reporting the wrong amount owed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act - This creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Under 15USC 1681 section 602 it states I have the right to privacy.

15USC 604A states A consumer reporting agency can not furnish an account without my written instruction.

It also states Under 15 USC 1666b mean?

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: Money transfer, virtual currency, or money service

While my password or phone number was not changed, someone was able to cash out my account without my knowledge to a financial institution account that does not belong to me. The company has taken no responsibility and contend that no funds can transfer without my consent by email or text. I received no notification that there was an attempt to change information or password or that cash out transaction was being done. Further the company will not disclose the routing number or account number that my funds were cashed out to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion, XXXX, and XXXX  on XX/XX/2019 in dispute to remove a bankruptcy from my reports. XX/XX/2019 both Transunion and XXXX   responded saying they verified the bankruptcy  as accurate through XXXX XXXX. I then contacted XXXX XXXX XX/XX/2019 for my full file disclosure, I received the reports and there was no bankruptcy on the files I called and spoke with a rep and they stated they never received anything from the bureaus and it must've gotten lost in transit they didn't verify anything. I have a copy of my XXXX XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerassist AR Solution is reportig fraud information on my credit. I dont know what this account is and I believe this account is fraudulent. 
Please note the attached FTC report and remove this account from my credit.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau several times to let them know that the public record that they are reporting on my credit file does not belong to me. They are reporting a bankruptcy for someone with the last name spelled XXXX, my last name is spelled XXXX. Please remove the inaccurate record from my credit profile I am attaching proof of the spelling of my name which shows proof that the file doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by Public Records - USBK Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : XXXX XXXX  XXXX. # XXXX {$500.00} Caine & Werner # XXXX. {$380.00} XXXX XXXX  XXXX XXXX  # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hi I sent XXXX transaction to both checking and savings accounts and I am still waiting on it to arrive. I sent it to my wellsfargo bank account. These transactions were done between XX/XX/2022 and XX/XX/2022. Please help recover my funds before someone spends it. 
Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.
Product: Checking or savings account

I WOULD LIKE TO KNOW WHY MY ACCOUNT WAS CLOSED LAST YR.I WOULD LIKE TO KNOW WHY THE BANK CLOSE MY ACCOUNT AND ENDED MY BANKING RELATIONSHIP .CHASE BANK IS DISCRIMINATING AGANIST ME. 

I WILL BE FILING A LAWSUIT A FEDERAL CLASS ACTION LAWSUIT AGANIST CHASE FOR CLOSING MY ACCOUNT OUT.
Product: Credit card or prepaid card

Equifax has been reporting negatively on my Social Security Number which is defined by congress as my credit card. Equifax is in fact furnishing negative information on my consumer report without being engaged in contract, without permissible purpose. 

On XX/XX/21 I mailed Equifax an Affidavit of truth and Cease and Desist, and Invoice letting them know to cease illegal activities. They are in fact violating 15 USC 1681 b ( 2 ), they have been reporting without my consent and reporting negatively on my reputation on consumer credit transactions which should ne excluded form a consume report via 15 USC 1681a ( B ). Equifax then responded on XX/XX/21 letting me know that they have in fact completed a reinvestigation which was no what I asked for under my corresponding Affidavit of truth and Cease and Desist. 

15 USC 1681a ( e ) - " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on. 

Equifax has not only ignored my correspondences to them about reporting negatively on my reputation and my identity theft inquiry. But have no properly investigated the information according to FRCA. 

On XX/XX/21 I sent Equifax another Affidavit of truth, Cease and Desist, a Default and Opportunity to cure, and invoice for not answering responding to Affidavit line by line, ignoring my request and continuing to report negatively on my Consumer report which is defined as my credit worthiness, character, and reputation. Also informing them they are violating more of my Federally Protected Consumer Rights. It has almost been more than 30 days sense I've sent my response and have heard nothing. 

Equifax is a publishing company that gets paid for advertising on consumer credit.
Product: Mortgage

The attached provides a general overview of the entire situation dating back to a wrongful default in XX/XX/XXXX, which I 've been fighting ever since. However this particular complaint specifically addresses an action taken by Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX. All details, dates and related documentation is included. The action referenced was a " secreted '' review for a loan modification pursued by BLS in direct contradiction to my direction ( provided to them on multiple occasions ). I briefly considered a loan modification in an effort to stop foreclosure action. However, because of an highly inflated balance resulting from the wrongful default, errors, payments not credited, etc. I 'd be trying to have reconciled since, I decided to try again to accomplish that before moving ahead with the modification. As such, I advised BLS accordingly ( XX/XX/XXXX ). I did not submit or sign an RMA application and did n't submit any required documentation. I was told during earlier discussions with a representative that to be able to discuss the options, I needed to sign a hardship affidavit and a BLS Information release, which I did. Neither authorized them to purse a loan modification. BLS has been building a case to withstand any opposition to foreclosure since servicing was transferred to them in XX/XX/XXXX. Details regarding its purposeful in action over five years is provided in the complaint. I have gone in circles since XX/XX/XXXX but did make limited progress until the transfer. All corrections and credits made prior to the transfer have been reversed without explanation and not a single identified error, questionable charge unapplied payment, etc. has been addressed. In fact BLS has not even acknowledged the problem despite 30 or so QWR 's and four CFPB complaints. In my case it 's resulted in inflated balance of somewhere around {$250000.00} over what I actually owe. With this action being so egregious, together with the thousands ( and growing ) of complaints against BLS with similar stories of BLS ' predatory servicing in your database ( and published lawsuits ), I 'd like to have the CFPB consider an investigation. They may not be as notorious as others you 've sanctioned, but they are equally destructive and devastating lives. I do hope you 'll consider this case seriously.