23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX alance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XX/XX/scrub>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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove acounts from my report.they are hurting my ability to obtain credit.
Product: Debt collection

Multiple calls during the day. Some are hang up calls, some are answered, then I am put on hold for 20 minutes and then they hang up. Some verbal abuse, e.g. " you got yourself into this mess '', or " we never take it off your credit report '' ( I was attempting to negotiate a settlement in exchange for a promise to delete ). We get close to an agreement to settle, i.e. 50 %, then the next time they call they start all over again with 90 %.
Product: Credit card or prepaid card

In XXXX I went to my financial institution for help with my credit. I signed up for a secure card for {$300.00} and another for {$420.00}. I was a XXXX XXXX XXXX working full time as well. As the year went on my education needed more attention so I cut my hours at work. In XXXX of XXXX I fell behind in my payments and could no longer continue to pay on this card. I reached out to Fifth Thrid multiple times explaining my situation. I was told in XXXX that I could put the {$300.00} I used to open the account towards the balance due. Ive been agreed because that would help me with both accounts. Well XXXX I noticed that I am still being charged late payments for only one secured card and not the other.They applied my money towards the balance for only one card but not the other. Since XX/XX/XXXX Ive havent resolve this issue and I am unable to speak directly to the department that needs attention. Please help me resolve this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX accounts XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 1666 B : 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: Checking or savings account

I have opened a business and personal checking account with Enterprise Bank and Trust in XXXX XXXX XXXX, California. Per rep no minimum balance si required and I can even keep it open with XXXX balance after 1 year I just noticed bank closed my both accounts without any communications in any shape or form such as letter, text and phone call. They don't provide proper information how and why by who it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        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   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  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
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  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
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Product: Mortgage

I went through a bankruptcy in XX/XX/XXXX through XX/XX/XXXX. I received a chapter XXXX discharge. As part of the bankruptcy process I surrendered real property which has an address XXXX XXXX XXXX, XXXX, GA XXXX. I immediately vacated the real property and did not force the lienholder to evict me. The mortgage was serviced by Everbank. I have recently attempt to rent a home. Through this process, it has come to my attention Everbank is reporting they filed an eviction action against me ( though they list they evicted me from XXXX XXXX XXXX, XXXX, GA XXXX. This report is fraudulent and I believe it was reported as a punitive measure because I filed for bankruptcy protection. I was never served any paperwork and I was never given an opportunity to defend myself. The listing is wrongful and is causing me actual harm. I have contacted Everbank and they have callously refused to correct their misrepresentation. They are willfully taking action which iskeeping me from even renting a home.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : TX HIGHER XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to TX XXXX XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry.

Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Mortgage

We are in the process of working with Citi on a modification. Back in XXXX we had a sale date. The third pArty that is helping us with this process had asked that the sale date be postponed. The processor with Citi stated they would not postpone the sale date because we had not submitted all the requested documents and we were not responding to the phone calls. They did have all the documents and there is a cease and dismiss order in place so they were to communicate through the third party. Which the processor stated as well there was no cease and dismiss. This was escalated within Citi they did postpone the sale date and did admit error. The other issue is on or around XXXX XXXX 2016 the denied us a modification. To this date we have not received the denial in writing stating our options. They have now set another sale dAte. By law we are to be given our options and make a decision within I believe 14 days before a forclosure process can begin
Product: Mortgage

LOANCARE IS GUILTY OF EMBEZZLEMENT. 

OUR ESCROW FUNDS WERE STOLEN, WE WERE BILLED FOR THE THEFT AND THEY TRIED TO STEAL OUR HOME WITH AN INFLATED PAYMENT WE COULD NOT AFFORD. AFTER ILLEGALLY EMPTYING OUR ESCROW ACCOUNT LOANCARE CHANGED OUR PAYMENT FROM {$840.00} A MONTH TO OVER {$1400.00}. 

THEY NEVER MADE US AWARE OF THE THEFT OR THE CRIME BUT THIS 6 MONTH MISAPPROPRIATION OF FUNDS WAS CONFIRMED IN A PREVIOUS CFPB FILING BY XXXX XXXX AND XXXX EXECS. 

IN ADDITION THEY VIOLATED THE 45 DAY RULE BY NOT INFORMING US OF ESCROW FRAUD ON LOAN ORIGINATION AND ANOTHER 45 DAY VIOLATION BY NOT INFORMING US OF FORCED INSURANCE WE WERE BILLED FOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XX/XX/XXXX 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. 
They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. 
If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXXl XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXX/XX/XXXX1 They have not responded to my request and now are in DEFAULT. 
They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. 
**Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***
Product: Debt collection

The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site. 
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it. 
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH capital XXXX 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 those account 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. 


XXXX 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: Money transfer, virtual currency, or money service

OnXX/XX/2023, I had the same issue. The company claimed to correct the problem. Today, XX/XX/23, Im still having the same issue. Money sent @ XXXX. Western Union still hasnt delivered. A check shows thats its on hold. Their advertisements claims thats its delivered within minutes Their prop consolation codes dont even work. Call but all operators are busy!! Finally a female  claiming to be XXXX came on the line. She asked me some personal detailed questions. I felt invaded before releasing the money. She claims if I wanted to change the amount she would cancel the entire transaction
Product: Credit card

We bought a sofa and chair with their protection policy XX/XX/XXXX at JC Penneys and put it on my Penney 's credit card since it was three years interest free. We then order a recliner from them to match XX/XX/XXXX and was told it was one year interest free. I was concerned and the saleslady said they applied your payment to the first promotional balance first. This summer we noticed that our bill, which I had been making online payments to get rid of was almost right back where it began. I called and they explained that the chair had acrued interest because it was n't paid off by XX/XX/XXXX. We called and messaged JC Penneys trying to resolve the issue and then noticed even when we were making monthly payments they were charging late fees. For example, I paid two payments for XX/XX/XXXX to avoid any fees, etc. I noticed that we received a late fee and interest today. I called and the lady explained that I paid too soon but saw I made two payments for more than the minimun so she reversed both the interest and late fee. I then told her I noticed that this issue on past bills. She was going to open a case to see if they could look into the promotional balance issue. I have been going around and around with J C Penneys. So our furniture will now cost us more than double. Can you tell us if there is anything we can do to resolve this? Any help would be appreciated. Thank you for your time.
Product: Checking or savings account

On XXXXy Period # XXXX ( Pay date XX/XX/23 ), I was supposed to get a direct deposit for {$900.00} from my Payroll. I work for the XXXX XXXX XXXX ( XXXX XXXX ). I did not get it. An account number was transposed incorrectly. I called the bank and they said that since if the name didn't match the account it would take XXXX days for to get sent back to XXXX XXXX XXXXXXXX XXXX On the XXXX of XXXX I called my bank and they told me that Social Security should get it back by close of business. I asked my Group Supervisor who could I contact in our HR department that could help. XXXX XXXX XXXX was the contact person that I have been corresponding with. She said that they have yet to receive notification on the return. I have been in contact with her for a month I have yet to receive it. Everything has been has been corrected since then. XXXX XXXX told me that it would take another XXXX days to get to the Department of Interior , and probably another XXXX days for them to post. As far as she knew nothing has been posted yet, and was going to check with someone she knew or think that could help, but nothing yet. This has caused a burden on me, I would appreciate some Assistance if at all possible. Since this email, Other emails have followed on these dates. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, The last email on XX/XX/23 was given to XXXX XXXX who stated that they are actively reviewing. I was told that there was nothing they could do until BOA return, I told them that I have reaching numerous times to BOA and they stated that they didn't get it. I have been dealing with this since XXXX XXXX, it has now been almost 4 months. I have had my supervisor keep an update while I was on leave in XXXX and still nothing. I just sent another email on XX/XX/23 asking for any updates. No response as of yet. Please the help would be greatly appreciated.
Product: Debt collection

I'm reaching out to the CFPB for assistance with these unprofessional people. It's been over 8 months since I give birth at the XXXX  XXXX XXXX XXXX XXXX Now my son is XXXX XXXX XXXX. 

Now before I give birth I check with both the hospital and my insurance if everything will be covered for me to give birth and they both confirmed that I'm fully covered, now after XXXX XXXX of giving birth I receive an unknown bill form XXXX XXXX XXXX  XXXX for a bill amount of {$8000.00} for my new born. 

I immediately contacted XXXX XXXX XXXX  to get a better understanding of what I'm receiving this bill for. After several calls and them Promising me to call back with more information, I never received one call or even a mail of what this bill is for. 

After another month I reach out to them again and asked them what's going on and I still can't receive an explanation of why I'm receiving a bill for my new born. They still couldn't give me any answers. They just keep promising to call me back with more information and they never do. 

Now after 7 months I receive a mail from an unknown company claiming to be a debt cancellation agency. They said they'll receive this debt from XXXX XXXX. I then try to contact them, several calls to them and nun was successful. 

So now I'm kindly asking the CFPB for assistance in this cases since it's completely unfair for them to even try and send my new born bill to a debt collection agency and they can't even explain to me what's the bill for.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In axcordance 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 : DEPT. OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX. Account name : XXXX XXXX  # XXXX. Has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privicy. 
15 U.S.C 1681 Section 604 A Section 2. It also States aconsumer reporting agency can not furnish a account without my writen instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containging any of the following items of information. Any other adverse item of i formation, 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 shal not furnish any information relating to a conaumer to any conaumer rwporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.