23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali
Product: Credit reporting

Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB ( yey! ) brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account should be deleted from my Experian credit report.
Product: Mortgage

My mortgage has transferred to different servicers a few times. I had set up bi-weekly payments to reduce my interest burden. 

However, I recently noticed a message reporting partial payments are not applied to the loan but instead held in a separate suspense account until the balance is fulfilled and then it is applied to the balance. 

Is this legal? We live in Hawaii. I would think they must be benefiting from my extra money being held in there suspense account, in the form of interest in their favor. They surely must be generating interest on it. 

This defeats the purpose of bi-weekly payments. This strategy by the mortgage servicer is impeding the client/consumer/home owner from reducing interest on the mortgage and the length of the loan. 

I am very upset to just learn this. I feel this is wrong and should be illegal. It is my understanding that I am allowed to pay off the loan early and this practice inhibits it. 

I am upset.
Product: Credit card

Punctuality in payments on this account has been my practice, keeping overdue status at bay. I'm baffled by the reports of late payment remarks on my accounts and uncertain about their rationale. In accordance with 15 USC 1666b - Billing Error, corrections should ensue.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include ema
ils, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

The XXXX have worked with Chase and XXXX for well over a year now to avoid having their home go to foreclosure. They have lost their income and are living with their children. XXXX XXXX has suffered 2 XXXX XXXX in this last year. Finally after involving the CFPB I have received the attached approval of the Short Sale from XXXX, the first lien holder. I also received the attached payoff demand from Chase. Finally we thought the transaction could close and the banks would receive their payoffs and the XXXX  could move from under this cloud. 

The Chase payoff which was executed last week was expiring on XX/XX/2018. Escrow requested it be extended to match the terms of the first lien approval. I received a call this morning at first claiming the demand was never sent, then claiming it was sent in error. When pushed if they would honor it, XXXX said sure, if you close in 5 days. Very glib and sarcastic, knowing that was impossible. So here the XXXX are again suffering form the Chase runaround, a year later. I am sending, faxing, mailing documents to Chase, they claim not to receive. I have attached the documents I have referenced.
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 Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$53000.00}
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with XXXX, XXXX, and Experian but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what XXXX is sending them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took care of the settlement balance of {$720.00}. I was told that the debt would be removed from my credit reports and it is still reporting. Confirmation of payment is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from Navient. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from XX/XX/2005 and has been transferred twice now, I would like it taken off completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$420.00} Dates of late : XX/XX/2021 I am not sure how I was late on XX/XX/2021 but I have always paid this account on time when I receive my statements. I might have received my statements late.. I am not really sure how this happened. But this was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet and it has been over 30 days. Please remove these inaccurate items that were originally disputed on the date above from my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I disputed a claim with Chase bank for a  XXXX  transaction through  XXXX   XXXX  that was a scam because I did n't get what I paid for so Chase sent me a credit of  XXXX  and then they took the money out of my account again because they could n't reach a comrpromise with  XXXX   XXXX  which is wrong because it 's my hard earned money
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX
Product: Debt collection

This company told me via phone call that if I pay them they would report back to XXXX XXXX. That is a lie. I requested a validation of debt to which they responded but did not complete the validation.
Product: Credit card or prepaid card

A dispute was opened on XX/XX/2022 regarding a purchase. The request was for the purchase to be switched over to a low APR promotional plan that is offered to members who pay a fee each year. I received a letter with the dispute outcome stating that the original purchase plan would be switched over to low APR promotional plan beginning in XX/XX/2022. 

The plan was successfully transferred over to a low APR promotional plan. NOW the issue is that the Original purchase price is incorrect. My monthly statement has an increased purchase price of about {$2000.00} more. The Original purchase price and statement do not match up. I need my statements to match the correct purchase amount.
Product: Consumer Loan

I did a in house financing with Car Cage Motor The apr was set and added on to the loan The loan was a 18 month loan and I 'm 5 months into the loan And paid it off Car cage motor wo n't give me a breakdown for how the apr was calculated I have all the Documentaions for the loan I just do n't want to be rip off and takin for my money
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. Experian and XXXX 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 XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

I reviewed my consumer reports and notice that I have 1 late payment on an account I was never late for. The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account listed in the screenshot inside this complaint in on date XX/XX/2021. Please investigate and provide statements showing that this payment was late. If proof can not be provided, I demand this late payment be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks, please see screenshots attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under ( 15 ) USC 1681 Account name : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN INSTRUCTIONS.

( 15 ) U.S.C 1681 C. ( 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 of information, other than records of convictions of crimes which antedates the report by more than than seven years.

15 U.S.C 1681 s-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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violation.
Product: Debt collection

This debt was sold to a third party without my consent. I did not sign anything wanting my personal information given to a third party. Fear of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account from XXXX XXXX I did speak to them and they said they would respond to Equifax and delete it see letter enclose
Product: Debt collection

On XX/XX/XXXX I contacted Cawley & Bergmann to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.
Product: Bank account or service

1-My mother XXXX XX/XX/XXXX. She had an IRA at BB & T. I inherited 1/3 of this IRA. BB & T told me my options were to establish an inherited IRA at BB & T or cash out the account. I would have preferred an immediate transfer of the money to XXXX without creating the account at BB & T but they did not give me that option. As an aside, that was exactly the process that was used by another bank at which my mother had an IRA and it was a very smooth process. Feeling like I had no choice, I let BB & T establish the IRA-BDA. After the account was established, I moved the IRA-BDA to XXXX. BB & T charged me a {$50.00} fee to move my money. I told them I was going to move the money and this fee was never disclosed. The banker states that I never told her this. This is one of multiple " untruths '' that she has stated during this process. BB & T also took out the RMD for XXXX without my permission. I lost {$50.00} in this transaction and the ability to earn interest on the RMD within the IRA for the next 10 months of XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Army & Air Force Exchange Services transferred my debt to a collection agency called XXXX XXXX XXXX XXXX I never received a letter or phone call from XXXX until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] XX/XX/XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XX/XX/XXXX-XX/XX/XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the XXXX office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted these 3 complaints to you guys : XXXX, XXXX, & XXXX they can be referenced for more information but they have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA in addition it has been 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 account are fraud, having my false identity. They gave me XXXX letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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, 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Consumer Loan

Care Credit, aka Synchrony Bank, GE Capital bank. I have a current open account with them that was initiated because my dentist recommended it to pay the balance of my dental procedures. This account is charging 26.99 % interest for years and they will not work with me to lower the interest even though I have excellent credit records for the last 15 years. I went through dept mgrs, calls over 30 minutes, and was treated like dirt. please help!!!