23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX sent DISCOVER FINANCIAL SERVICE notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( XXXX XXXX XXXX ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days.

DISCOVER FINANCIAL SERVICES per CFPB responded with a letter informing me that they will not stop reporting potential harmful information to the public. And will not stop receiving and selling my securities fraudulently, this fraudulent debt thats continuingly collecting interests and principal on my behalf.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


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

Equifax XXXX XXXX is reporting someone else 's information into my credit profile. I have asked for XXXX a copy of the contract from the creditor and was provided with a copy that has someone else signature on their other than my own. This results in inaccurate reporting and should be removed expedite from my report due to inaccuracy. Equifax has failed to delete this information
Product: Debt collection

I received an email stating I owe a debt for an apartment at The XXXX at XXXX XXXX. I was employed with the management company who manage the property. I surrendered the unit to the management company on XX/XX/2022. I was not under a lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to pull my credit report
Product: Credit card or prepaid card

Please review both my previous complaints including the most recent one ( XXXX ). Bank of America continues to allow my bank account to be changed from my actual name XXXX to XXXX. They have had countless explanations and change of back but then it gets changed to XXXX yes again. This is a severe privacy issue and they need an explanation as to why they allow this to happen. This is negligence on their end. I have been patient with the process the last two times despite the rudeness when I reach out. This deserves compensation.
Product: Checking or savings account

Hopefully, I can get my overdraft fees back from Navy Federal
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in direct violation of the GRAMM-LEACH BLILEY ACT also XXXX XXXX compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get pre-approved for housing. The mortgage company i am working with needs access to my credit report through Equifax, but had received errors claims the account/report is fraudulent for whatever reason. I have called Equifax over a dozen times now to resolve this matter. I have verified my identity countless times, sent three faxes to numbers they provided. I am still no closer to removing the freeze or error on my account that caused this problem to begin with. The customer services agents I've spoken to, none of which were from the United States, have been extremely unhelpful. They talk in circles and direct me to solutions that are dead ends. This has been going on for around month now and I can not afford to wait any longer. I needed this done weeks ago, and I'm still wasting hours every day trying to get it fixed with no help from Equifax itself. I'm still unclear what the error even is, but I have tried in countless ways to correct it. Needless to say I'm very frustrated with Equifax and their customer service, and do not have the time to waste on any other fruitless phone calls and faxes they will claim they never received. 

Below I have attached one of the three faxes I have sent. It has been redacted to remove peroneal information. Though I can send an unredacted version if that is needed.
Product: Mortgage

I browsed online to XXXX XXXX XXXX, following an advert online XXXX XXXX ] and was unable to file an application for a credit card notwithstanding receiving advertisements for application where my email address is being blocked for some reason. 

The web-based email address is XXXX hosted by XXXX XXXX a US-based technology company quoted on the XXXX XXXX so providers need to sort out these market-based oligopolist issues between them. 

Misleading advertising is in breach of law when liaising with customers within the XXXX XXXX and we trust you work towards better standards eventually.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is reporting INACCURATELY. 

XXXX XXXX  XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

I have had a credit card with Chase for 6 years, I have been current with this. Early on I took out a cash advance of around {$3500.00} Although I have paid on this card on time every month my cash advance balance keeps rising. The card APR is 4 % but the cash APR is 19 %. Non of my payments have been applied to my cash advance balance and the high interest is added to the cash advance amount. So although the card is being paid down, the cash advance is now over {$6000.00}. I contacted the bank and they said that the lowest interest rate is paid first and interest on the cash advance portion will keep being added to the cash advance portion until the low rate balance is paid. My low rate balance is {$10000.00}. How can this be legal?
Product: Debt collection

This account has a XXXX balance and is still reflecting on my collections. 

Account Name : Berlin Wheeler Original Creditor : XXXX XXXX from Kansas from XX/XX/2014 Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX ( XXXX ) XXXX
Product: Mortgage

I send in the statement coupon with every single check that I pay my mortgage for. On said coupon is the payment due date and each check goes with each statement. I never pay more than one payment each month and it is accounted for by each payment coupon. I got a statement dated XX/XX/2023 for the dates XX/XX/2023 to XX/XX/2023 and a due date as XX/XX/2023. I sent a certified check in the mail that will be getting there tomorrow ( XX/XX/2023 ). 

I just got ( on XX/XX/2023 ), a statement for the dates of XX/XX/2023 to XXXX/XXXX that also says the due date is XX/XX/2023. 

No 2 statements should have the same due date for separate monthly mortgage payments!

Since I pay one payment every month with a check and the corresponding coupon, there should never be more than one payment applied per statement. That is common sense. I expect a bank to stay as organized and be on time as I am expected to do so. I am 100 % on time if not early with my payments. It is up to this bank to sort the payments out accordingly. That is on KeyBank 's end of our contract. 

When I have less than 1 week to make a payment because the statement didn't get to me early enough, that is not fair, right, or even legal. I have literally less than a week. I also don't have enough money to cover 2 payments in the same month because KeyBank can't keep things straight. People are suffering in this economy and this bank is praying on me. KeyBank has an obligation to get my statements to me in a reasonable time period before the due date so I can make a payment. I'm out of checks right now and can't send in a check. I'm absolutely not calling in a payment since that is not safe or secure. I do not have a KeyBank account to do a direct online payment with. Given their performance with my mortgage, their security breach destroying my financial security, that will never happen. I NEED THE STATEMENTS TO COME EARLIER THAN 1 WEEK TO THE DUE DATE and I need due dates to be separate. Apply my payments correctly!
Product: Mortgage

Good Morning, We have a VA Construction Loan with American Financial Resources. We got the loan XX/XX/year> when construction was supposed to start. The company we hired, XXXX XXXX, drug their feet for months, turns out they didn't do anything and stole our money, 10 % draw from the bank and 10 % cash from us. We have filed felony charges and a complaint with XXXX  against the builder but my question is about how much culpability if any the lender has. When we opened this loan we were told that there wouldn't be any payments due until after construction completion and we thought cool because by then we will have sold our other house and could pay down the loan to make the payments more reasonable. Turns out they added the first year of mortgage payments, over XXXX, into the loan and were making payments to themselves, this may be standard practice, but was not relayed to us before loan closing. When we saw the payment slip in the mortgage info we reached out to the mortgage company we used XXXX and he said we don't make payments on the loan until construction is complete so I thought maybe they put the wrong year on that example payment slip. We should have noticed the amount of the loan was more in the end but with all the legaleaze and fees who knows what's what is those contracts not to mention it was like XXXX pages long and we had a notary sitting there and felt rushed to sign it. When we realized the construction company had stolen our money we reached out to the bank and asked if we could just close the loan instead of making XXXX in interest payments per month on nothing while we figured out if we could find another builder or not. This was actually our second builder. In order to close the loan we had to pay all the closing costs and those first 6 months of payments they paid to themselves equaling over XXXX. We tried to find another builder but they wanted an additional XXXX on top of what was left in the loan and with what has already been stolen adn the fact that nothing runs on budget, we decided we just can't afford to do this. So we borrowed some money from my mom and emptied our savings to pay the loan off just se we aren't paying over XXXX in interest on nothing. I am not sure if the bank did anything wrong or if they have any obligation to actually help in a situation like this but everyone has gotten a XXXX payday off of our misery. I am even having to fight the VA to get our funding fee back which is just crazy since we technically don't have a VA loan yet because it never even got that far. Thanks for any help/guidance you can give.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  offices have reported invalidated information to Transunion and Transunion has illegally published the information to my consumer report which may constitute in fraud under both Federal and State Laws. Due to this fact, the negative marks found on my consumer reports by XXXX, has caused me to bring XXXX XXXX XXXX XXXX, Consumer specialist office of the XXXX  Attorney General, in to kindly assist me in resolving this situation. I have communicated with XXXX for the past 12+months in hopes that they would properly validate the debt ; however, they've repeatedly responded with documents and verbiage that does not officially validate anything. Although, they have not been able to produce validation they've reported a XXXX  day past due account to a Trans Union consumer report that's associated with me, and Trans Union has published the negative information on my report illegally and they're civilly liable for their actions. This situation has completely ruined my reputation and it's going to be extremely hard to recover.
Product: Student loan

My name is XXXX XXXX. This complaint is regarding FedLoan Servicing.
In early XXXX, I submitted documentation to switch some recently consolidated loans to the Pay As You Earn payment plan. It is now late XXXX and I am still not switched over to the new payment plan. I have been forced pay over {$1000.00} more on my loans than what I should be paying under the Pay As You Earn plan. I call every few weeks and they say that they will " have it handled soon '' and that 's the only feedback I can receive from them. I am participating in the PSLF program so I am unable to pay their suggested forbearance rates as they do not count towards my 120 payments. The policy says that it should take 7-10 business days to process a repayment plan change. It is nearly 100 days since I have record of FedLoan Servicing receiving the application to change to Pay As You Earn. I 've attached a picture of the certified mail receipt corroborating this. FedLoan Servicing did not even acknowledge receiving my repayment plan application until XX/XX/XXXX, or nearly 60 days after they actually received it.
While the standard policy is that I only have to make one standard repayment to switch, I 've been forced to make 3 to 4 standard repayments. I have contacted them repeatedly over the past 100 days and have never been able to get my application processed. This is incredibly frustrating, especially since this is not an easy process to begin with and I have done all of my due diligence to get these applications processed.
I will at some point have to consider legal action as FedLoan servicing refuses to process my application, costing me hundreds every month and preventing me from making progress against my PSLF program ( which is a major reason why I have chosen to work at a non-profit ).
I desperately need someones help to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my credit report are in violation fair credit reporting act. 
Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX.
Product: Debt collection

XXXX XXXX, XXXX Dear Investigation Unit, The purpose of my letter is to request assistance as my rights as a consumer have been violated by CMRE agency. I have communicated with this organization and have made payments towards a medical debt that I have with XXXX XXXX Hospital in XXXX IL. 

The original balance of {$250.00} was for my deductible after being hospitalized. I have been making monthly payments on this account. Most recent payments made were on XXXX/XXXX/XXXX in the amount of {$50.00}, next payment made was on XXXX/XXXX/XXXX in the amount of {$50.00} the statement date for the payment was XXXX/XXXX/XXXX .There were payment made prior to the hospital before the account was turned over to the collection agency. 

When CMRE agency received the account, they stopped sending statement and place the debt on my credit report. I have received no other communication on this account to continue to make payment. 

This is a violation of the fair debt collection laws. As a consumer, I have received any calls or billing statements to make me aware that there is an outstanding debt owed is agency. When contacting the agency I spoke with a representative name XXXX XXXX ext. XXXX, she stated that I have another outstanding debt with them in the amount of {$480.00}. There has been no communication regarding any outstanding debt from any organization. 

I 'm requesting your assistance to have these accounts removed from my credit report. This is a fraudulent practice on the behalf of CRME refusing to communicate with a consumer that a debt is owed. As a consumer, I have the right to be given an opportunity to pay my debt by being notified via communication either by phone or by mail. Rather than just applying a judgment on a consumer 's, credit report. It is because of companies like this that American if in the financial distress. 

I 'm deputing their fraudulent practices and requesting assistance. 

Sincerely,
Product: Credit reporting

Inaccurate information on credit report. 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
Product: Money transfer, virtual currency, or money service

I have been having money token out of my account multiple times I have also had my card use without my permission. I contacted the financial office, I was told its nothing they can do, I was told to file a dispute. With that dispute still nothing. This not the first time. Its very upsetting to get your money too and get told its nothing they can do. I also had checks that wasnt coming on time XXXX I check I didnt receive at all. My lights got turned off due to this. I got behind on my credit bills and more.
Product: Mortgage

I have an adjustable rate mortgage with Washington Federal. On the change date they did not calculate the new rate per the terms on the contract. I have reached out to them 3 times with no forward progress on the issue. They can not produce a copy of the loan docs. I have a copy of the loan docs. The rate should be capped at 4 %. They raised the rate to 4.875 %. There is a line on the loan docs that is titled ; LIMIT ON INTEREST RATE CHANGE ; and it states ; The interest rate I am required to pay on the change date will not be greater than 4 %.
Product: Payday loan, title loan, personal loan, or advance loan

I attempted to revoke ACH authorization on XX/XX/XXXXXXXX XXXX  but was informed they require a waiting period of 10 business days to revoke an ACH. This is already excessive as the industry standard is 3 business days. 

Instead, they offered a deferral but stated they can not process an ACH revoke at the same time. In other words, if you want the deferral, we cant revoke the ACH. This was clearly purposeful. 

The payments were due XX/XX/XXXXXXXX XXXX XXXX Since they couldnt process both - I revoked my ACH authorization as of XXXX1/08 which was 10 business days before XX/XX/XXXXXXXX When I asked to confirm this information, they mentioned that XX/XX/XXXX is a holiday and therefore not a business day - so they would still be withdrawing money from my account via ACH.

Im not sure how this is legal - 10 business days is extremely long first of all, and secondly I as a consumer have exercised my rights to revoke ACH that they are not complying with. Now I am in a situation where I need to close the account entirely to avoid their shady tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

There are 2 inaccurate addresses listed as my place of residence one invalid phone numbers, and two invalid employers. I currently reside at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX is my employer, and I do not wish to have a phone number listed on my credit report.
Product: Debt collection

I am going to be mailing in a complaint about Advantage Financial Services, a collection company in XXXX, ID. They have in the past tried to collect medical bills from my wife and minor daughter. They also violated other parts of the FDCPA. I have discribed each violation and will including all the and supporting documents. What am looking at now is robo-signing by Advantage Financial and their attorney has to know what they are doing.