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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX :
Product: Credit card or prepaid card

Hi there, I have spent about five hours trying to resolve an issue that was Amex 's error, and I hope someone can help. I was trying to pick a hotel for my upcoming trip to XXXX the other night. I browsed a number of different hotels via Amex 's travel portal, and eventually decided on one. I filled out the purchase information, and had my boyfriend review the reservation with me. We then placed the order, and on the confirmation page, Amex reported that it had just booked us a reservation at a different hotel than the one we had selected -- one that we had looked at in our search, but decided not to use. This reservation was also marked as non-refundable. We called Amex immediately to correct this mistake on Amex 's part, and were on the phone with them for over 45 minutes. They eventually informed us that it was up to the hotel as to whether or not we could cancel our reservation, and furthermore, that the hotel was currently closed -- we should call back in 2 hours. Since it was nearly XXXX XXXX at this point, I decided to call back the next morning. I did so, and after a long call with Amex, they attempted to call the hotel 's reservation desk and cancel again. This was unsuccessful, and Amex recommended that I call back again at midnight in my local time. I did this, making this the third call to Amex to resolve this particular issue. After another 45-minute call, I was informed that the hotel 's reservation desk was closed again, and was advised to call Amex back at XXXX XXXX in my local time again. This began to become frustrating. I ca n't keep calling Amex to ask them to ask the hotel to cancel a reservation that I never asked for in the first place. I would like Amex to deal with this, cancel the reservation that I never requested, and refund the charge to my account. I understand that the hotel has a no-refund policy, which we noted when we chose *not* to select this hotel in the first place. Since Amex 's website was in error, we would appreciate not being charged for this mistake. Thank you, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX payment, paid in full. Im only 18 days past due for XXXX payment. Please correct payment status for XXXX XXXX XXXX XXXXXXXX auto loan.
Product: Mortgage

I paid my mortgage in XX/XX/XXXX online. I found out in XX/XX/XXXX that the payment had not been processed when going online to schedule my payment for XX/XX/XXXX. I immediately remade the payment for XX/XX/XXXX. I then made another payment for the month of XX/XX/XXXX. My credit report has been reported late for XX/XX/XXXX even though I scheduled it in XX/XX/XXXX. For some reason Mr. Cooper did not process the payment. I have emailed and called them to resolve the issue as well as notifying the credit reporting agencies but Mr. Cooper has not helped resolve the issue. 

Secondly I have now been forced into loan modification. Apparently although my payment for XX/XX/XXXX was a full payment I have only been credited a modification amount with the rest of my payment being " unapplied funds ''. I did not request a modification at any time. The online system is FORCING me now to make lower payments as a modified payment. I did not request nor want this. My mortgage is current. Therefore I should not be unwillingly forced into a loan modification payment because of Mr. Cooper 's error in not processing my XX/XX/XXXX payment properly. 

I have attached the statement from Mr. Cooper for the payments for the past 12 months. The XX/XX/XXXX payment was scheduled in XX/XX/XXXX BUT was actually processed on XX/XX/XXXX after I remade the payment for the second time after learning the payment that was scheduled to come out in XX/XX/XXXX did not process.
Product: Bank account or service

A couple years ago, I paid for an ebay product with paypal and they charged by bank account twice. I stopped one of the payments at my bank ( XXXX ). After this paypal demanded a whole bunch of bank statements etc. I refused and told them to close my paypal account. This happened over a year ( maybe two years ) ago. Now they keep sending me spam email telling of changes to their account policies. Today I went on their website to re-close my account. Their website wo n't let me send a secure message to close the account. I called their customer service to close the account. They say the account is limited and they wo n't close it. I want them to close the account immediately and they refuse. Please make them close my account. I do not owe them any money, I have no orders in process. I have not do n't business with them for over a year and they will not close my account.
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. 

Aidvantage # 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 or other personal consumer reports

I have been paying for credit protection since I first Obtained the XXXX XXXX. 
In XXXX  I was going thru a difficult time health wise. Was scheduled for multiple surgeries that resulted in me not doing well. During this time I had XXXX XXXX XXXX. 

Although the company credited the late fees I have been going back and forth with them because they are refusing to honor the credit protection for XXXX XXXX XXXX and XXXX this has resulted in negative credit reporting that is inaccurate and should be removed. 

They keep saying they can not update a credit report. This is not true I had credit protection and the lates needs to be removed
Product: Debt collection

REFUND WAS MADE TO THE XXXX AND STILL TRY TO COLLECT THE REFUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that shows on my credit report, the name of the company is Self/XXXXXXXX  XXXX it shows the account was opened on XX/XX/XXXX, for the amount owed of $ XXXX.This account is not mine. I have an account with this company, this account I have not participated in or had any knowledge of this account. I am concerned with the company 's legitimacy with the accounts that I do have there are multiple inaccuracies, I have never had a late payment. On XX/XX/XXXX, I checked my credit report and filed a dispute. I'm in the process of taking each step from the company to get this matter resolved. I was told to submit a police report, an identity theft report. I am concerned that my information has been compromised and used for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Mortgage

What have a house with a loan from Citimortgage. We refinanced this loan with Citi three years ago and now have a principal balance of {$130000.00}. During the time of obtaining the loan, Citimortage obtained a very, very low appraisal on the house so after three years we had the house appraised recently at {$180000.00}. With this new appraisal we went back to Citimortage to request PMI removal. Citimortgage sent us a document stating we had to mail them back an official document and pay {$300.00} for an appraisal ... nothing else. The appraisal came back recently at {$170000.00} and based upon this corrected value the LTV rate is 77 %. Upon talking to Citi today, they stated they will not remove the PMI as they are going off the original appraisal value which is not correct. Most lenders recognize that there 's little point in requiring PMI after it 's clear that we as homeowners are making our mortgage payments on time and that you have enough equity in your property to cover the loan if the lender has to foreclose ... which of course we do. At this point Citimortage is holding up the process on purpose against the 1998 Protection act and laws at hand. If we do n't get resolve using the CFPB we will take Citi to court as this is nuts. Appreciate whatever help you are able to offer. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

I have not been able to access my exchange account on crypto.com since XXXX. I have emailed everyday to every email that I can find for this company. I just receive scripted bot responses.Also the chat response is stuck and I cant access it. Also when I looked for their social media customer service my XXXX wallet was compromised and they stole {$210.00} from my wallet pretending to be crypto.com customer service on XXXX. They said that my wallet needed rectified to my original account. These are XXXX separate things. Bad customer service leading to scammers posing as crypto.com customer service. Also the same type of thing on XXXX with a scammer. I have no idea if either of these scammers got access to my exchange account because I cant log in to check it. I have a good amount of money on this exchange but I cant access it. Ive had this account for 4 years and didnt have any problems. The only response that I got in the beginning of this problem was that they suggested forme to change my email with them. So I did and they supposedly changed it but now neither email is connected to my original account and phone number. So I still cant log in. I am at my wits end and dont know what to do.
Product: Debt collection

I did n't receive any mail or phone call until a supposed collection from XXXX showed up on my report in XXXX. I have been unable to get any information as to what this is in regards to, only automated ''agents '.
Product: Credit reporting or other personal consumer reports

According to FRCA, section 605B, it is illegal to report anything on my credit report, without my promission, please remove negative item. Thank you
Product: Credit reporting

XXXX XXXX XXXX # XXXX This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX  XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a collection that is reporting to my Transunion report that is Identity theft, the address they are telling me is mine is not mine and it is not an address on my credit report. I have attached proof of residence my drivers license and my social. Please delete this account and delete the unauthorized inquiries listed as well
Product: Payday loan, title loan, personal loan, or advance loan

BHG offers a loan supposedly for small businesses. They provide loans but theres a requirement to have a 12 year loan without the ability to pay the loan early. The loan recipient must pay 48 months before any additional money can be applied to the balance. I have paid over XXXX XXXX dollars for a XXXX loan but the balance still exceeds the original loan amount. I have to pay 14 more payments before I can pay off the balance and based on the process the remaining balance will still exceed the original loan amount. This means that I have paid over XXXX dollars and still owe the loan amount. This is predatory in nature and should be illegal.
Product: Debt collection

World finance continues to violates my consumer rights. World refuses to answer my questions or resolve my concerns.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX 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 ( MONTHS REPORTING LATE ) 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, XXXXXXXX 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: Mortgage

I want to remove the PMI from my mortgage loan with Truist. Here are the relevant facts : 1. I have been paying this loan for my property at XXXX XXXX XXXX for three years and two months. 

2. I have never missed a payment or paid late. 

3. I have an XXXX credit score. 

4. The property has increased in value significantly and the loan to value is well below 75 %. 

5. I have substantially upgraded the property. 

6. I applied for PMI removal in XXXXXXXX XXXX and my request was denied. 

7. I spent hours compiling receipts and sent a spreadsheet outlining all the improvements I made to the property. 

8. I sent a XXXX from a licensed appraiser with four very accurate comps. 

9. Truist still refuses to remove the PMI from my account so I'm filing a complaint with the CFPB.
Product: Checking or savings account

This a depute that on Bank account # XXXX Bank Card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The claim has started by checks that were deposited in the ATM on or about XX/XX/XXXX. The check noted on attached # 1. They were stuck in the ATM and would give me a credit, so I worked with the branch and submitted a claim. We added the checks up in the wrong amount and we asked for a credit of {$26000.00} for those checks. 

On XX/XX/XXXX, I still had not received the temporary credit still had and they stated it would take 10 days. So, the Chase representative stated that I should stop payment on those checks and get replacement check and deposit them in the bank. We also cancelled the claim for {$26000.00} ( D ) on call. The next day on XX/XX/XXXX, I deposited all new checks. Those checks cleared the bank and where fully funded. 
On the XXXXXXXX XXXX XXXXXXXX the bank the processed the stop payments on the checks that where stuck in the ATM stop and debit my account for 5 checks totaling {$27000.00}. Then on XX/XX/XXXX, the bank reserved the temporary credit of {$26000.00}. Causing my account to be negative {$27000.00} ( D ). I when into the branch and discussed this with the branch manager that these transactions had occurred she filed a second claim in the amount of {$27000.00} ( B ). This that was reversed on XX/XX/XXXX ( A ). Because they said they could not find the checks that where in the ATM that they stopped payment on XX/XX/XXXX. 

I talked with 5 difference claims representative the first representative XXXX hung up on me and when I called back gave me the run around for and hour. The last representative XXXX continued to state she could see the reversal but could see the checks deposit in a very nasty and offensive manner. I would listen to the discussion and take action disciplinary action against her. 

I would like my {$27000.00} from the stop payment check returned to my account. I would also like to be compensated for the 30 hours that I have spend on this issue because of the checks being stuck in Chase ATM. My billing rate is {$250.00}. 

I am providing a summary of the transactions in the coversheet and a my checking account with the items in questions circled for easy following.
Product: Debt collection

Company involved in the case : 1. XXXX XXXX 2. Aldous And Associates ( XXXX ), I noticed after opening my XXXX XXXX credit report a collection from the above companies amount of XXXX dollars which was opened on XX/XX/2019. i didnt receive any calls nor any mails. 

I immediately called XXXX XXXX to solve this problem, even though i have no clue of the charge, i paid it off since its effecting my credit. 

Its been a long time and the collection is on my report.