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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report 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 obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Mortgage

Error 1. Monies was applied to enities other than the princple payment and intrest. Mr . Supplied rational legal representations of why they have the decresion to apply monies but this wasnt stated to me inwhich i filed the first complaint because they never told me in documents that they were going to disperse monies in this manner. If this was conveyed in a way I would have understood and the inital complaint would not have been filed. 

Error 2. XX/XX/2019 After timely filing withing the 37 days that fed allots Mr Cooper loses my paerwork forcing the process to be delayed and I resubmitt the information and it was acknowledged as acceptable until a period after five business days and it was in languange that didnt address the acual situation of why my modifcation was denied Error 3 I called this company NUMEROUS times to address these occurances prior to becoming a problem and Mr Cooper represenatives stated docuemtns were acceptable but i would get a letter via email on Mr cooper website fifteen to thirty days later that I have been denied for timely filing, illegable documents, updated documents and eccessive obligations. 


Error 4 I sent email correspodense to Employees of the Mr Cooper and to a dedicated email XXXX Showing that I am not garnished for child support nor am i paying it and that information that was inputed prior was in error and needs to be revised yet Mr Cooper continues to revist the same errooneous information even though i lawfully submit documents to substantiuate otherwise After Mr Coopers ineptitude to follow its own process and provide cohesive instruction to rectipients of its process one futher incurred adverse action from Mr cooper because then income was taken into acount from XX/XX/2019 until now and i would have been back to work and gainfully employed had i had a modifcation. Countless employess were informed of this they were informed i was workign diligenlty to get back to work after my ailment and that it hurting my chances of sutiable employment that my credit report is damaged due to the fact that i wasnt able to get a modification Tricked by a agent of Mr Cooper to pay a principle payment inXX/XX/2019 because thats the only way Mr COoper would approve a modifcation ( this is during Mr Coopers Document Fiasco and i paid this in good faith. I could have saved the money for legal counsel because thats the only way I will recieve justice
Product: Money transfer, virtual currency, or money service

My Robinhood account was locked because I tried logging in while traveling to XXXX, a restricted area. They sent me a message to contact support, but everything is done through the app, and I don't have access to it. I've sent several emails to them requesting help with no response.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, 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.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXccount Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I had received a robo call from Genesis FS card. I had ignored the call by not answering it or acting on it because I did not open an account with Genesis FS card. I received an alert from XXXX XXXX about an account that was a new card opened. I discovered that Genesis FS card had an open account with a credit limit of XXXX. There was XXXX balance on the account. It was treated as a new account that opened on XX/XX/XXXX. 2022. I did open a new account through XXXX XXXX services with XXXX with a credit limit of XXXX. I never authorized any account with Genesis FS card. I had called their consumer account number XXXX to close the account on XX/XX/2022. It required me to validate my account with my last 4 digits of my social security card. There was no option to close an account via the menu and required me to contact them during business hours XXXX XXXX time. I have disputed this account with XXXX today. When I filed my dispute with XXXX, the number that I called for Genesis FS card did not require me to enter my last 4 digits of social security number. My concern is now that my action to make sure that the account is closed and purchases can not be charged to it may appear as if I had authorized the account electronically when I have never authorize opening this account. I believe this is a potential issue with XXXX XXXX allow session cookies being reused to open this account.
Product: Debt collection

hospital terrible does't help me and put my score down and put my name in collection, i went in hospital because i was XXXX  and i had XXXX  XXXX, the hospital no accepted my XXXX because of Michigan, said i don't have job i i can send the letter of bridges organization about XXXX  XXXX, the hospital put my name in collection and i called and can pay just XXXX the collection very rude, i explained about corona virus my situation she told to me i have another debts and she will put another in collection the name of company NH / NE CREDIT SERVI
Product: Checking or savings account

On XX/XX/2023, I checked my debit card account because I was trying to make a car payment and realized {$80.00} was missing out of my account. I immediately called ADP Wisely card and reported this. Today I received a email stating that they are not going to give me my money back and that's not fair. ADP Wisely  have robbed my account and I want my {$80.00} back.
Product: Credit card

My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit reports effectively immediatelyXXXX CITICARDS CBNA XXXX {$2400.00}
Product: Mortgage

complaint XXXXt ditech is trying to use fake documents against me ... .i have the real ones notarised ... .there 's is fake and not notarised ... i have copies of both ... .they are trying to XXXX me out of {$16000.00} ... .they also tried to infect my computer with a virus sent in an email from them ... PLEASE HELP ME ....
Product: Debt collection

I have been seeing this on my credit report from XXXX regarding two account for over {$300.00} and {$600.00}. I still haven't received a verification of debt and I don't believe this is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to Transunion in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to Transunion acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
Product: Credit card or prepaid card

Well Fargo Credit Card has been reported charged off for more than 6 years and they report that I still owe every month.
Product: Credit reporting or other personal consumer reports

Just want to make sure background is showing clean and clear
Product: Credit card or prepaid card

I had a credit card account with bank of america, with account number ending in XXXX. Please see attached documents for full details. In XXXX of 2021, I noticed some unauthorized charges in my account that were very unsual. These charges ranged from $ XXXX {$500.00} in small retail spaces like XXXX XXXX or XXXX XXXX I contacted BoA and they give me a statement credit of {$2900.00} on the XXXX, 2021 statement. This brought my credit balance to a negative amount, which means I was owed money, and BoA closed my credit card, to stop any fraudulent activity. I continued to notice fraudulent charges on my next month statement, of XXXX, and I continued to work with BoA to resolve these and they did. 

However, In my next month statement of XX/XX/2021, the re-reversed the disputed charges from the previous couple months, which they had supposedly resolved and closed my account. I wasn't given a proper explanation for why this happened, and to this day I have been forced by BoA to pay the charges that along with interest charges that have absolutely ruined me financially. Currently I still have an outstanding balance of {$850.00}, but I am very devastated as I had though BoA resolved my fraud charges, and they betrayed my trust and put them back on. 

I am attaching supporting statements to provide some detail, beginning with XXXX of 2021.
Product: Money transfer, virtual currency, or money service

I have been using Binance.US for about a couple years now, with no prior issues using the platform. However, two days ago, I suddenly was locked out of my account. Support has continued to give me the same generic guarantee that they're " working on resolving '' my issue and that they will update me " via email '' as soon as there is new information, but it feels like nothing is being done to remedy the situation. I went through the process of getting Advanced Verification on my account and had 2FA enabled, so I can't possibly imagine why I'm suddenly being blackballed. I have thousands of dollars in my account and now I'm losing out on potential gains I would've otherwise made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, im in workers compensation and insurance adjustor stopped my checks illegally with out notice to me or my lawyer, the financial hardship its not on my control at that point, i contacted caliber home loans which is the mortgage company and explain to them what has happened, it so happens that my lawyer had my checks reinstated, and i paid all my bills XX/XX/XXXX and XX/XX/XXXX, my credit score dropped from XXXX  to XXXX, i disputed with all 3 bureaus experian send me a letter of not clearing the late payment of XX/XX/XXXX, i know is my financial responsibility but it wasnt on my control, i need help fixing this issue cause since i never had problems before with any, once anyone sees my credit history it speaks for it self and my credit is a very caluable asset more than anything, i would like to make a complaint
Product: Credit card or prepaid card

Capital one closed my Sparks Business Card said it is a business decision. I have paid my account and am always on time. I do not understand why it was closed when I am using the account as intended.
Product: Mortgage

My Case number : XXXX. I submitted a complaint by in XXXX of this year. Since then we have been trying to do a loan Modification with Select Portfolio Services. We continue to submit documents and resubmitting. On 6 different times I have request the SPS send us the transfer of the Trust Deed for every time my loan has been sold. Twice in writing and 4 times on the phone. I have also request my complete payment history from the origination of the loan. Finally this week they sent me the payment history dating back about 3 years ( the loan was originated in 2007 with XXXX XXXX ). I have never received the Trust Deed or the complete payment history. Yesterday we were sent a notice that they were filing a notice of default and setting a sale date, and we thought we were negotiating for a loan modification. We ca n't understand how they can file a notice of default if they refuse to supply us with the required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX  ; XXXX XXXX ; XXXX XXXX XXXX and XXXX have violated my rights. 


15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Beginning XXXX, our home was designated flood area and our mortgage carrier BBVA compass sent out a notice that we must purchase floor insurance by XX/XX/XXXX. If we don't comply, they will purchase one for us. I began my search for a carrier by asking my insurance agent on XX/XX/XXXX. It took about 2 months to obtain my own insurance which went into effect XX/XX/XXXX at annual cost of {$650.00}. BBVA collaborated with a company, XXXX XXXX XXXX XXXX ) to provide coverage beginning XX/XX/XXXX. They charged me {$2900.00} for a 12 month period, which is substantially higher than the rate I received from the carrier my agent found for me. 

I didn't realize obtaining flood insurance takes such a long time, and I assumed my mortgage company would find us a reasonable coverage with market standard fees. That is the only reason I didn't attempt to find my own coverage. Now I learn the fees charged by XXXX is exorbitant and not a customary price for this type of insurance. A $ XXXX  monthly added cost to my mortgage payments, would send me into foreclosure during this tumultuous period and I can not believe BBVA would in good faith cause such harm to their clients. It was this outrageous pricing that prompted me to look for another carrier. I started to think BBVA and XXXX cornered us into accepting this ridiculously priced policy because they thought we are clueless consumers without a choice in the matter as truly many of us likely are unfamiliar with flood coverage mandates. According to XXXX XXXX XXXX XXXX, that legislation on flood insurance has taken numerous twists and turns since inception in XXXX, and even so " the flood insurance requirements are still the least understood and most violated. '' I believe I am a victim of bankers and insurance company taking advantage of my naivety. 

I reached out to BBVA and the insurance handling department several times to ask for forgiveness and refund of {$760.00}, but got the same response : " we are required by policy to carry flood insurance and that date of coverage was XXXX, and we can not remove the charges. '' Furthermore, because BBVA sold to XXXX XXXX, and they will not handle any more calls or complaints at this time. There were not flood related claims during this period. I didn't need the coverage and would never have agreed to their exorbitant pricing had I been given a chance to search for a similar product on the free market.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I disputed my XXXX XXXX  accounts for violating several fcra rights and my privacy rights. Equifax removed the the account but on XX/XX/XXXX I received a notice that my accounts is delinquent which is false. FCRA usc 15 1681 ( e ) ( b ) has been violated by all CRAs XXXX  equifax and XXXX. Why didnt XXXX and XXXX remove this account that violated my fcra right? And how is equifax reporting a deleted account delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative on my consumer reports with Experian and XXXX. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later XXXX and Experian put it back on my report driving my score down. XXXX and Experian sent me a report stating that the accounts were verified. XXXX do not have any reporting they just have the account as a bad debt. Experian has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. Experian and XXXX did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge & gave no authorization to an auto loan with Capital One auto finance. This account was opened thru Identity Theft, according to my credit report the account was opened in XXXX of 2015. It now shows up as a charge off on my credit report. I have reached out to the Capital One on several occasions. I also have Police Reports, stating that I have been a victim of identity theft fraud