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

Company advised minimums were reset during a family tradgedy additionally they were reported for sales and billing tactics that resulted in correction I was advised allow 30 days for correction to my CRAs I have been a model customer for years without issue and I did not start now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 's US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPT ED XXXX XXXX, DEPT ED XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 The credit bureaus have failed to follow the law and have constantly ignored my requests to delete and remove these accounts from my credit report.
Product: Debt collection

Contacted via phone ( I did not have any other contact information at the time ) on XX/XX/XXXX requesting details of a collection placed on my credit report. I had received no prior communication before this date. I was informed that this was a medical debt from XX/XX/XXXX ( which is not how it is reported on my credit report ), when I asked for proof such as original account number and service provider ; I was told that a formal letter with details would be sent to me for dispute purposes. This was never received, at which point ( XX/XX/XXXX ) I filed a dispute with XXXX, XXXX, and XXXX. These disputes yielded no further information. Based on the limited information provided via phone, this collection also ( if it is even a valid debt yet to be verified ) violates Florida Statute HB XXXX which limits medical debt collections to a five-year statute of limitations. Credit reporting currently inaccurately lists my collection as {$820.00} opened XX/XX/XXXX with an original creditor as XXXX XXXX XXXXXXXX XXXX who is not an original creditor but another debt collector I have no prior knowledge of or communication from.
Product: Credit reporting or other personal consumer reports

File Number XXXX Date Issued XX/XX/XXXX TransUnion sent mail addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This information is incorrect The proper way to address me is XXXX XXXX XXXX XXXX ( self aware living man ) c/o XXXX XXXX XXXX XXXX, Florida Near ; [ XXXX ] Let it be known to all that I, XXXX XXXX : XXXX explicitly reserve all of my rights. Pursuant UCC1-308 which was formally UCC1-207
Product: Credit reporting, credit repair services, or other personal consumer reports

Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

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

XXXX til present. The errors were not removed causing me not to be approved for loans and my credit score increase lower than average duration spans.
Product: Debt collection

I have a company named Advanced Business that is taking money from my account Biweekly since before XXXX. I remember making an agreement with them to pay off the debt paying biweekly in the amount of {$10.00} one week and {$15.00} the next week. At that time I didn't know that I needed to ask for a validation letter. I also didn't know that they were required to send me a letter before every transaction they make in my account. First payment was XX/XX/XXXX until XX/XX/XXXX when I called the bank to stop payment. I just assumed that the biweekly payments were for a debt until I recently talked to another debt company I was paying and found out that they are required by law to said a letter through the mail for every payment that they take. I went and looked on my statements for all the charges from the company and the company information. I found that the company shows on my statements as Advanced Busines XXXX. I tried to call the phone number and it just rang and hung up. I tried to look for the company on the internet and called a few with the name that starts with Advanced Business but none of them were debt collection agencies. Going through the bank I found that the company took a total of {$930.00} from XX/XX/XXXX. This doesn't even include the many overdraft fees I got in my account at {$35.00} each that came from these fraudulent transactions. The exact dates the money was taken is as follows : XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I found that in XX/XX/XXXX is when they stopped taking {$10.00} one week and {$15.00} the other and only took {$15.00} every week. My bank created a fraud report and reimbursed me for the last payment made of {$15.00}. I have attached my last back statement I received. If I need to get every bank statement back to XX/XX/XXXX, I will and that will also show all of the overdraft fees accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized account are being reported on my file and i would like them to be removed
Product: Mortgage

My home was purchased as a new construction in 2019 for {$440000.00}. Due to resales in the community that indicated that the values of the homes have increased dramatically, I made a request to my mortgage holder, Firstbank to have my home re-appraised in an effort to have the PMI removed. In an email to senior management at Firstbank, I confirmed that my home would have to appraise at {$480000.00} or higher to remove the PMI ( attached email ). I paid for the appraisal and it was performed by an appraiser chosen by the bank and/or XXXX XXXX. While the appraiser was performing the appraisal, he took notice of all the updates and upgrades I did and mentioned several times that the house would easily appraise at about the XXXX to XXXX amount. 
The attached appraisal came in at XXXX and oddly did not include all the upgrades I did and did not include the recent home sales in the new community I live in. Nonetheless, it did exceed the {$480000.00} amount needed to remove the PMI. 
Now Firstbank sent me an email stating that my loan is ineligible to have PMI removed ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge BRCLYSBANKDE XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Mortgage

Reference to Complaint # XXXX I feel all my questions concerning a loan modification that was done in XX/XX/XXXX are still unanswered. I did n't pay my monthly mortgage of {$1000.00} ( which included principal, interest, and escrow ) from XX/XX/XXXX- XX/XX/XXXX totaling {$14000.00}, then why when the loan modification was done I owed {$32000.00}? Included in that total is {$2000.00} in recoverable expense. I want to know what those expenses were and if they are a ligament recovery item. Thank you for reviewing this matter again. I just want to understand why the amount owed is so much greater than what I would have been responsible if I did make the payments.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Upon the termination of my XXXX enlistment on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. TransWorld Systems or TSI, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you
Product: Debt collection

1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state. ( I need proof you can collect in Texas ) 3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. ( Not received ) 4. A complete payment history, detailing all payments made and any credits applied to the account. ( Not received. Ask for complete payment history include credits ) 5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. ( Not recieved ) Regarding the interest charges, based on my understanding, the interest rate applicable to this debt should be 6 % per annum, as per Texas regulations. By my calculations, the interest due amounts to {$430.00}, bringing the total to {$7700.00}. However, according to XXXX, my balance is reported as {$7900.00}. Also the according to the letter Interest Due is {$550.00} and Total Due is {$7800.00} which is above the 6 %. Under Texas regulations, the statutory interest rate defaults to 6 % per year ( or 0.5 % per month ) on the unpaid balance of the debt. It is crucial that debt collectors comply with both the FDCPA and the Texas Finance Code, which regulate the collection of debts, including any interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Navy Federal XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ACCOUNTS and they are reporting on my credit. 
XXXX  {$790.00} XXXX XXXX  {$640.00} XXXX CCU {$370.00} XXXX XXXX SERVICES {$120.00}. This is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

XXXX XXXX XXXX {$420.00} this is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

-Hard inquiry EXXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -XXXX XXXX  is XXXX XXXX late payment on XX/XX/XXXX and I am protected under the SCRA as I am an active-duty service member. I made them aware that I could not make the payment on time as I am stationed in XXXX XXXX and we were on lock down and didn't have access to phones or internet.
Product: Credit reporting 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 XXXXXXXX Account Number:XXXX has violated my rights. Or a 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 crime
s 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: Mortgage

I started a XXXX with XXXX. It was supposed to be XXXX % variable with XXXX draw and interest only and then XXXX principal and interest. It was then sold to Shellpoint mortgage. Once I was able to talk to someone from Shellpoint mortgage and how to pay on the account as I had XXXX different account numbers and wanted to make sure it was correct they said pay on any of them and it will go through. I declined and said I want to pay on the correct account and not just guess. Was told to keep waiting as this is normal for it to happen when loans change. I also found out they changed my loan to be fixed not variable, no draw period and its principal and interest. Asked numerous people about this and they told me to talk to lower.com and I did and they spoke to Shellpoint but nothing changed. After spending over a month trying to figure out how to pay the account and no one with the right answers along with them breaching the contract with the loan I decided to go with another loan company. That was closed XXXX and they accidentally overpaid Shellpoint which in turn I still have yet to receive my money back which I have recorded phone calls from the representatives consent stating they made a mistake. They were charging me interest when there was no principal which you cant charge interest on a {$0.00} balance. Still calling to find out where my money is that they owe me. {$1700.00} is what they minimally owe me. Not sure if anything else is owed due to breach of contract as well but I want my money and have numerous calls on this and no one can give me a straight answer or a written response. Just keep saying wait XXXX days and now XXXX on the phone with someone who is saying I need to wait a minimum of 60 days. Too many people that have no clue on what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery, ( Debt Collection Agency ), has been constantly harassing me with numerous calls at various hours of the day/night while not only when Im at home, but even at work where I told them not to call during my work hours! My credit account with Portfolio Recovery, ( Debt Collection Agency ), was disputed with all 3 credit bureaus. After XXXX investigation into the account they deleted their debt collection from my credit account ; however XXXX XXXX XXXX both claim I had disagreed a Correct debt with Portfolio Recovery and refuse to take the collection off my report even when it was proven to be deleted by XXXX investigators/investigation claim/dispute! Through just the week of XXXX Portfolio Recovery has contacted me a number of +9-10 times throughout the week under their number of ( XXXX ) XXXX from XXXX XXXX, SD as well as calling during my work hours when I specifically told their company not to do so. This is in clear violation of the harassment code of the Fair Credit Reporting Act and I would like their collection removed from my account like XXXX team has wonderfully done and want the harassment by their company to end!
Product: Mortgage

Specialized Loan Servicing XXXX company owes me {$3000.00} money they held in a suspense account and never payed me back after close of escrow per XXXX XXXX at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Dear XXXX, XXXX, equifax I just received my investigation results. Report XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I applied for a refund of {$10000.00} for student loan payments made during the XXXX payment pause in XXXX, XXXX. At the time, my loan servicer was XXXX. I followed up with XXXX multiple times in the months of XXXX and XXXX and was told my application was pending. In late XXXX, XXXX I received notification that my loan was being transferred to Aidvantage. I have tried multiple times to register for my account on Aidvantage since then. When attempting to register my account, the Aidvantage system is telling me " account not found ''. I called Aidvantage in XXXX and XX/XX/XXXX and was told that they could not find my account either time. I was told in XXXX that it could be XXXX, XXXX before I received account information. As of today, XX/XX/XXXX, I have not received any correspondence from Aidvantage about my account other than a confirmation that they received a complaint filed. I also am not able to register on the Aidvantage website and still get the " account not found '' message. At this point, I am not sure if my application for a refund is even still active.
Product: Mortgage

Selene Finance has blocked our ( My wife XXXX and myself ) attempts to pay our mortgage, since early XXXX XXXX, 16 times. I have 40 screen shots with time and stamps to prove it. They have also blocked subsequent attempts for us to pay out mortgage 12 times via their telephone pay system. I have time and date stamped screenshot of the telephone calls. For which you can not reach a human. Only a computer which hangs up at the very completion of the payment, of the call when you request to confirmation of the telephone payment. I can provide this lengthy list of documented proof when requested. They have mis-applied our mortgage at least 16 times and I have screenshots with time and date stamp from their web page to prove this. Now they have reported us to the credit bureau of being three payments behind when in fact we are way ahead of the mortgage required payment dates. Selene Finance owe us tens of thousands of dollars in their mis-applied mortgage failures. I can prove all of this with deductions from our bank account and screen shots with date and. time stamps from their web page of OUR account. I will attach a few of the many screenshot we have as proof. I have them all available for review.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 is unfair and deceptive as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E .This issues have caused inconvenience and financial loss and I seek appropriate redress.