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

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the o
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft and effected by the XXXX data breach was checking my credit report and noticed unauthorized accounts and inquiries. 

I have enclosed my screenshots of some of the inaccuracies on my credit report and according to the FCRA my credit report must be 100 % accurate. 

In accordance with the fair reporting act convergent account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Student loan

I have been making my payments on time every month to Edfinancial. Whenever I submit the payment, it sends me a payment confirmation and also takes it out of my bank account. Each time I pay, the next day it tells me I have a late fee of the same amount as my loan payment initially was and takes money out of my account AGAIN. I donr understand what's going on, they are impossible to get ahold of. The last time I got ahold of them, I was on hold for 4+ hours ... .and they told me I failed to select each loan ( but I know for a fact they were all selected ). Please, I am looking for answers. I am tired of getting money taken away from me when I am being responsible and making my payments on time.
Product: Debt collection

Name of Creditor : IQ DATA INTERNATIONAL IN Address : XXXX. zip : XXXX, WA XXXX Re : XXXX XXXX at XXXX Amount : {$460.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Credit reporting or other personal consumer reports

I received your communication/attempt to collect the above-listed Alleged Debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. Pursuant to 15 U.S.C. 1692g ( b ), I request verification of the alleged debt and specifically request a copy of the following : ( 1 ) a contract/agreement signed by the alleged original creditor and all parties to it, including myself. [ Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt ] ; and ( 2 ) an itemization or accounting for the alleged debt amount that you are attempting to collect [ Note : if the alleged debt is for a loan, send proof of funding, or items charges if a credit card ]. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Sending me the specific verification documents that I have duly requested above shall not be deemed collection activity under the terms of the FDCPA. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Product: Credit reporting or other personal consumer reports

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Subject : Opt-Out Request under 15 U.S.C. 6802 Dear XXXX XXXX XXXX XXXX, I am writing to formally request that XXXX XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that XXXX XXXX XXXX XXXX has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that XXXX XXXX XXXX XXXX immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Product: Checking or savings account

I opened a high yielding savings account with a variable interest rate with ING Direct in XXXX. At some point, CapitalOne purchased ING Direct and I became a CapitalOne customer with a CapitalOne 360 Savings Account. At the time, interest rates were high and I received a high savings interest rate. As interest rates fell, the interest rate on my account understandably fell as well, eventually falling below 1 %. With the rise of interest rates in the last couple of years, I expected my interest rate to rise but instead my savings account interest rate has been frozen at .3 % since XXXX. I just learned that around that time CapitalOne created a new product called CapitalOne XXXX XXXX XXXX and began enticing XXXX customers with high interest rates while doing nothing to raise the interest rates for existing customers nor did they specifically notify existing customers about the existence of this new product - no email and no in-App notification. I am outraged that for the last 2 years, XXXX has paid me a pittance in interest when I have had over $ XXXX deposited in my 360 savings account while it has been paying new customers over 4 %. They essentially abandoned existing customers in pursuit of new customers and never bothered to tell us. The rate on my 360 account was supposed to be variable as well but it has not moved above .3 % since XXXX. By my calculations, CapitalOne owes me at least {$10000.00} in interest. Please make them do the right thing and pay me this back interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXXand Experian XXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as XX/XX/XXXXand this has hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to remove the following names and social security numer from my credit report however the CRA refused to allow me to dispute the information. I am fearful that these variations may be the attempts of someone trying to steal my identity or someone elses identity merged with my own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Under the Federal Fair Credit Reporting Act, I would like to file a consumer complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX FL XXXX. 

On XX/XX/2022 the Synchrony Bank denied my online credit application and stated it was based on low XXXX  score and credit history. I pulled from XXXX XXXX on the same day to check for accuracy. My credit and XXXX score did not match what Synchrony Bank letter. The bank has pulled false information unrelated to my credit. My credit history and score is above average/high. 

Please investigate Synchrony who should not be in business. 

XXXX XXXX XXXX
Product: Debt collection

My son left his apartment in XXXX XXXX at XXXX XXXX 2 months early that I had cosigned for him. A company called IQ Data INT was calling me day in and day out and when I returned a phone call back to them they were very rude when I told them they needed to be calling my son who was the actual contract holder and I was just the cosignor. They refused to call him stating I was in charge of this bill treating me like a child stating do n't you know what a cosignor is means you owe the bill not the person who signed the contract first or who was staying in the apartment and on and on. I even spoke to the supervisor and he stated that if I did n't pay this bill I would get turned over to collections and reported as I refuse to pay. I told him I never once said I refused to pay this bill you ca n't illegally report something. I told you to call my son to set up a payment plan. I had my son call them and they refused to speak to him stating his name was n't on the lease. I called XXXX at the apartment complex who was in charge of turning this over to IQ Data to collect on the bill and she stated she has no idea why they would n't speak to my son because he was the contract signor and I was the co signor. XXXX said she emailed them and told them to make sure his name was on there and if not add it so when he calls they speak to him directly not me. When my son tried to call back they were still very rude and refused to speak to him. I called back and they said XXXX did not send them any email and they were only going to deal with me paying the bill. I told them I 'm not paying this bill my, it 's my sons and you need to talk to him but if it were to get paid off in full what would the amount be they said they could give me a 20 % discount because that 's what the apt complex allowed for them to do. I told them I 'm not going to pay that I know for a fact you can take less to make this as satisfactory, paid in full. They said no we wo n't. You can pay that amount or not. I told them I was going to call XXXX back and deal with this bill through her as there tactics to trying to force you to pay this was not going to work with me. They said go ahead do whatever. Good luck and hung up on me. I called XXXX back and told them they still refuse to talk to my son and I would no longer deal with that company but her directly to get some sort of payment plan in place or this bill paid off. She told me she would not do anything. I would have to deal with IQ Data about this bill. I have received NOTHING in the mail about this bill or even who IQ data is. I am now taking this matter further to anyone necessary about how this company acts and talks to the client who has the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to transunion to provide proof of validation of debt I have not received a response it has been XXXX days. the debt companies reporting I have not signed any documentation with this company. My personal information has ben provided without approval. Transunion has disregarded my request to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I owe them 50,000 + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding  any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : XXXX-XXXX XXXX Date : Fri, XX/XX/2020 at XXXX XXXX Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : XXXX XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I XXXX XXXX XXXX  XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX XXXX   XXXX Sent : Monday, XX/XX/2020 XXXX XXXX To : XXXX-XXXX XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen
Product: Mortgage

I purchased my property in XXXX of XXXX. Through XXXX XXXX. I ha a first and second. I was denied at first and within about a day or two after the denial they sent another correspondence stating that I was approved. ( I still had my mortgage on the XXXX XXXX XXXX XXXX XXXX, Az ). I was shocked as I did not sell that property and had a mortgage on it and purchasing as a single individual. In XXXX the market fell apart. I tried to modify my loan and it took SPS ( Select Portfolio Services almost a year to complete my MOD ) Shortly after my arm came due and they set my interest at 7.5 % making py payments go from XXXX to XXXX. When my loan was modified I assumed that both first and second was modified. Once my modification and ARM was completed I was only paying one payment, ( XXXX.aprox. ) Until the pandemic. Last year I contacted SPS and advised them that I had not received any type of commission from XX/XX/XXXX to XX/XX/XXXX. I then started my modification with them and they just keep requesting more and more documents each time. I would submit my documents and they would ask for the same documents; stating that the time had expired. In the meantime I received a letter from XXXX XXXX stating that I had a second lien that I was not paying on. I tried working with them and received no response. Once I got to talk to someone, she advised me that it was not XXXX XXXX, that I should be talking to but to XXXX XXXX. I then contacted XXXX and told them I was corresponding with XXXX  and they did not care. They placed a Foreclosure date on my home. I called, I begged them to give me some time to research and work this out and again they transferred me to one person to the next. No help whatsoever The foreclosure date was then changed from the XXXX to the XXXX. I called and they stated to me that the property was reverted back to the bank. There was not a sale. Since then I have not received any correspondence from XXXX XXXX, XXXX XXXX until yesterday when I received a letter form XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, .XXXX XXXX XXXX XXXX Florida XXXX giving me 5 days from the date of the letter ( letter dated XX/XX/XXXX ) to vacate the premises. I have been looking for a rental for the past four weeks. Arizona 's demand for rentals is high so it is taking longer to find a home. I have a home filled with my belongings that I have accumulated for the past 40 years. 
How can I move in such short notice. They can have my home. It is a material possession. My well being is more important than a home. Houses come and go. I just need at least a month to find a place to live. It also takes money to move. My life will continue and I hope that just as I feel I can live with myself ; I hope that all the parties involve can say the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my FHA loan in XXXX XXXX. For one year of payments to the current servicer, PHH mortgage, all payments in the same amount and paid at roughly the same time, typically at least 15 days in advance of due date, were applied to interest, principle, escrow, PMI and additional to principle. Suddenly in XXXX XXXX, this all changed and my payments were being applied all to principle, none to any other categories. I made an additional payment, which I did suggest to leave as principle payment, at this point I was by their own agreement paid to XXXX. I made my XXXX payment on the XXXX of XXXX, I had received notice that there was a escrow shortfall, and the payment amount was re calculated. I made a separate payment of the amount of escrow shortage. Once again, the XXXX XXXX payment was credited in full to principle, not against the XXXX payment due. I have complained, nothing is changed, and I just received a collection call from this lender. PHH is the same predatory lender that I thought died in XXXX.
Product: Credit reporting or other personal consumer reports

Please see unauthorized credit via identity theft

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the FCRA, I have the right to dispute inaccurate information on my credit report, and I am entitled to a thorough investigation. Given the circumstances, I kindly request that you remove the account from my credit report immediately. Additionally, I ask that you conduct a more comprehensive review of my dispute by considering
Product: Credit reporting or other personal consumer reports

I HAVE EMAILED THE COMPANY SENDING ME INFORMATION A NUMBER OF TIMES REQUESTING SPECIFIC INFORMATION, ORIGINAL CONTRACT WITH SIGNAURE, COMPLETE ACCOUNT NUMBER, WHICH THEY HAVE FAILED TO PROVIDE. 
I HAVE EMAILED THEM ASKING FOR INFORMATION WITHOUT A RESPONSE. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I HAVE SPOKEN TO SOMEONE ON THE PHONE AT XXXX XXXX ASKING WHICH FORM OF IDENTIFICATION WAS USED TO OPEN THIS ACCOUNT AND HE DIDNT HAVE THAT INFORMATION.