23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

First Progress charged me illegal credit card interest when I was a Georgia resident and agreed to closed the balances and a XXXX balance instead that has reported the account as a charge off with multiple late payments. The agreed because of the error and the balance is years old that they would delete this inaccurate information l. They also said it put me in a bad situation right after bankruptcy. They have two negative accounts with balances.
Product: Payday loan, title loan, or personal loan

I took over my son 's loan for home improvement with Greensky two years ago. I have been making the payments and my son gave them permission to speak to me regarding the loan. On XX/XX/2019, I called today to change my payment source and they refused to let me, because, although the automatic system recognized my phone number, and Social Security number, and I was able to tell the person my son 's name and his previous address, I do not know his current address. I asked for a manager and spoke to XXXX and he told me the same thing, although I knew everything but my son 's new address, and no matter that the automatic system recognized me, I could not make changes to the payment source. I told them fine, since they have put me through loops for two years and are now refusing my information to continue to receive payments, they would no longer receive any payments from me. Realize that I am not asking them for anything, I am trying to PAY them, and they still will not cooperate. The stupidest people I have ever encountered in my life. Please go on XXXX and see how many more people have complaints like mine. I would like to know how this loan company is allowed to continue in business.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries i am disputing ) credit inquiries that I did not authorize
Product: Credit card or prepaid card

To whom it may concern, I, XXXX XXXX of the XXXX family am writing you today as an aggrieved man. I filed a complaint with CASH APP XX/XX/22 regarding my lost or stolen debit card. There were unauthorized transactions made using the card without my consent and or knowledge. CASH APP cancelled the debit card and sent me out a new one. 

However, my CASH APP account is now over drawn because CASH APP denied my claim. I demand that these unauthorized transactions be reinvestigated, and my claim be accepted. As a customer of CASH APP, I am disappointed in the shameful Behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Dear Consumer Affairs representative, On XX/XX/XXXX, my mortgage was sold to a new creditor, XXXX XXXX XXXX- XXXX XXXX XXXX XXXX . Rushmore loan management services LLC was identified as the new servicer of my loan, including collection of my mortgage payment. 
In XX/XX/XXXX, I sent my mortgage payment in the form of a cashier 's check via certified mail to Rushmore. Upon its receipt, it is to be signed for by Rushmore and I, the sender, receives a return receipt. There is also a tracking number ( # XXXX ) on the postage, where I can track the mail to the location. The mail got there XX/XX/XXXX, but they did not pick up the mail until XX/XX/XXXX. The receiver was XXXX XXXX. On XX/XX/XXXX, I received a notice in the mail that my payment was not received. The date of the notice was XX/XX/XXXX. 
On XXXX XXXX, I placed a call to the servicer explaining to them that the mail was there for pick up on XX/XX/XXXX and that XXXX XXXX signed for the mail on XX/XX/XXXX. I was told that they put the payment in the system on XX/XX/XXXX, hence they deemed it late. 
For the XXXX mortgage, I changed my method of payment and sent it through XXXX XXXX as they identified this as an method of payment they accept. I called the following day and spoke to the representative XXXX to make sure they received the payment. I was told he did not see a payment made to the account and if it was sent in, they will enter it in their system later. On the statement due XX/XX/XXXX, I was charged a late fee again and was even reported to the credit bureau. 
I am deeply distressed with the blatant disregard Rushmore has for its consumers. I need them to clear my name with the credit bureau and bring my account to current. Further, I no longer wish to do business with them, as their business practices appear to be unscrupulous and not consumer oriented. 
As a XXXX XXXX, I have lost substantial sleep over the last 60 days. Daily, I am putting my life on the line to instill hope in every XXXX  I come in contact with and to put a smile on their faces whenever possible. I have XXXX, family members, and children that are depending on me. The last thing I should have to worry about is a mortgage servicer that is cheating the American Consumer out of their homes. As an essential part of the workforce, it deeply saddens me that this company takes advantage of its consumers in this way to line their pockets. It is a shame and they should not be in business. 
I anxiously await and anticipate your response.
Product: Debt collection

On XX/XX/XXXX I got a letter from EOS CCA stating that XXXX XXXX had placed my account with them for collection because I owe {$30.00}. That if I wished to restore my service with them that I needed to pay. Normally I wouldnt have a problem with paying those {$30.00} but seeing as to how I contacted XXXX and they told me that my account wasnt under any suspension AT ALL. Plus a month before I thought I actually owed money but i has communicated with XXXX   and they said Id be charged the following month on XX/XX/2019. So why on earth am I getting a letter from a debt collector saying I OWE MONEY when XXXX themselves said I didnt owe anything at all and I dont have to pay till XX/XX/2019?! Makes 0 sense.
Product: Mortgage

I applied for a loan modification with Nationstar Mortage a year ago. The modificaiton was approved but they added XXXX extra to XXXX mortgage stating that these are all fees I owe to them, I have been requesting an itemized breakdown of the fees and have not been successful. I believe these fees to be extremely high and would like a clarification on such. Please help
Product: Credit card or prepaid card

I purchased merchandise from Diamonds International on XXXX XXXX. I returned the merchandise back to Diamonds International and they received the merchandise back on XXXX XXXX. I have a XXXX proof of delivery that XXXX from Diamonds International signed for the returned merchandise. I notified Comenity Bank and opened a dispute in XXXX of XXXX Since then nothing has been resolved. Comenity Bank will not help and Diamonds International will not credit my account to Comenity Bank. Diamonds International says that they can not find the merchandise that was returned and Comenity Bank has reported my account to the credit bureaus resulting in a lower credit score. Both Comenity Bank  and Diamonds International have been given the XXXX proof of delivery tracking number but are continuing to do nothing to resolve the issue. Please help me to get this problem resolved and my credit repaired with the credit bureaus. I havent had the merchandise since XXXX XXXX and Diamonds International has had possession of the merchandise since XXXX XXXX. 

Thank you, XXXX XXXX
Product: Student loan

I have made payments to Mohela and interest accrued does not match interest rate provided for all loans. I have requested balance information to be provided and have not received a response. I also made a payment after two loans were dismissed and have not received a refund for those payments ... On XX/XX/2023 XXXX XXXX was written off and on XX/XX/2023 a payment was made in the amount of {$150.00}. I have not received this refund. On XX/XX/2023 XXXX XXXX was written off and on XX/XX/2023 a payment was made in the amount of {$240.00}. I have not received this refund.
Product: Checking or savings account

I was charged a {$34.00} fee in my business bank account because a {$700.00} check was returned. The reason this check was returned was that I had ordered these counter checks from my checking account but never looked and saw how they were not from my checking account but from my business checking account. The Chase Bank folks had not printed checks for the right account. This was especially bad because they had withdrawn the fee from my checking account and I had clearly told them to do it for my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six different credit inquiries from the same company ( JPMCB ), from which i do not have an account with. 
The dates are as follow XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I submitted information to Chase Visa Card member Services on a {$250.00} dispute with XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX on their XXXX # XXXX with XXXX XXXX, Customer Service Specialist XXXX Ext XXXX Mon-Fri XXXX to XXXX XXXX. She recently charged back the dispute amount of {$250.00} to my credit card. I have now consulted with an attorney and it has been indicated that Chase may not have properly reviewed the information that I sent. I sent documentation to Chase Visa showing that some information sent from the hotel is fraudulent and misleading. XXXX and another representative of Chase Visa indicated to me that there was no attorney available to review the documents. They have not protected my interested from unfair and deceptive practices from the XXXX XXXX Hotel, XXXX XXXX, XXXX, NC where I stayed.
Product: Debt collection

XXXX XXXX is knowingly reporting false information to the credit reporting bureaus. 
XXXX XXXX bought an account from GE Capital ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.
Product: Credit reporting or other personal consumer reports

I pulled my consumer report in XXXX and seen a collection account. The original lender has zero grounds to collect a balance from me as it was dismissed by the XXXX XXXX XXXX. I also have provided the courts official paperwork for the dismissal. Also in accordance to the FCRA law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Hence, I am notifying the credit bureaus that this information provided is inaccurate and needs to be removed immediately.

Also in accordance with the FCRA, USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 

Hence, the credit bureaus do not have no " authority '' to report an adverse item in general and even with when inaccurate. These are both violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, Experian, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the XXXX XXXX XXXX XXXX. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.
Product: Debt collection

Synter Resource is trying to collect a debt from us that is not owed. The debt was sold to them by XXXX  XXXX for " redelivery fees '' that were incorrectly billed to us as we have no contract with XXXX  and we were the receiver and not the originator of the shipment nor the company who paid XXXX for the shipment. Our business was also open on the days XXXX is stating they attempted delivery and XXXX also stated they set up a shipment time and has an employee who has not worked here in over 3 years as the employee they talked to. All of this information has been provided to Synter Resource over the telephone as well as sent over and over to them via email since they are emailing every single day, and in their email they state " Or, if you have any questions, you may contact XXXX XXXX at XXXX x XXXX or via email at XXXX. '' I have not once gotten a reply to the emails I have sent. Synter Resource is not following through not providing any response to what I have sent them and continues to harass via email and phone calls.
Product: Credit reporting or other personal consumer reports

Wells Fargo transferred my mortgage to XXXXXXXX XXXX XXXXXXXX in XXXX and fraudulently added costs from my XXXX modification which was rolled into the modified mortgage so I was charged twice. In addition, they added negative comments to my credit reports that preceeded my XXXXXXXX XXXX XXXX bankruptcy, which has not been on my credit report for 6 years. This has affected my report negatively and is in retaliation to my previous complaints. I am ready to take this to the FTC and seek compensatory damages.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan by Phone ) Check into XXXX {$170.00} XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX {$360.00} XXXXXXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) {$300.00} XXXX. XXXX XXXX XXXX. ( XXXX XXXX ) {$550.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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: Checking or savings account

I opened a savings account with Barclay. Before they opened my account, they asked identity verification documents including state ID, SSN and bank statement for the account I used to open the account. After submitting the documents, they approved my account. I added two additional accounts of mine. Then they blocked my account and asking for further verification documents. I was waiting for trail deposit to arrive in my external accounts to verify them before they suspended my account. Now they say they can not verify ownership of those accounts, which is ridiculous. I already submitted enough documents to verify identity. They are unreasonably requesting further documents. I would be willing to comply if there were justifiable reasons for that, which I don't think there is. I think they are abusing the process and targeting me because I'm XXXX and because of my name.
Product: Debt collection

I received a letter from XXXX and  XXXX , XXXX about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because XXXX and XXXX received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.
Product: Debt collection

I received a bank subpoena on XX/XX/2021 regarding an account that was opened under my name with XXXX. I had no knowledge of this which is why I filed a police report right then and there. Crown asset management went into my savings account and pulled out the full amount without warning. I then filled out a claim of exemption form and filed it with the court timely. The judgment debtor denied it. Then I appealed it with the court and appeared in court on XX/XX/2021 and represented myself and the judge approved my claim of exemption and ordered to have my funds released into my account. Today which is XX/XX/2021 I received a notification from XXXX stating that my wages are going to be garnished from crown asset management. I contacted the court and they stated that the case has been closed and the funds were to be released into my account. OXXXX XXXX  website it states that starting from my next pay. Crowned asset management will be garnishing my wages even after the judge ordered for my funds to be released to me.
Product: Debt collection

I sent out a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no knowledge of this account and have file identity theft with FTC.
Product: Debt collection

Debt purchased by collection service, no validation of account sent to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$4000.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has reported delays in the Equifax credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure their is no fraudulent activity.
Product: Mortgage

We had another issue in which we had to file personal BK, however we had no intention of dissolving this debt and continued to make payments every month, and we were finally able to reaffirm the debt. In the last 4 months, they had mis applied a payment, so it was showing we did not make a payment, though they show they had it but did not apply it. So for the final 3 months, we did not make a payment until it was applied. Our loan was reaffirmed and the BK discharged, this company immediately sent out a foreclosure notice and will not apply the payment correctly. I spoke to XXXX in Executive Services, she researched it, agreed with us and was going to re apply the payment correctly. Someone above her denied the request and now they want to foreclose on this reaffirmation. We were under Bankruptcy protection and they can not foreclose on the debt, for missed payments while under the Bankruptcy, so this is illegal. This is related to our home in XXXX Nevada - Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account 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