23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had an account with XXXX that I used to send money to friends. Two years ago, I was banned from XXXX. They sent me an email saying I violated their terms of service. I tried to follow up with them to understand the exact terms I violated. I got no response. A couple of weeks ago my friend told me to follow up again. I got in touch with XXXX and a representative sent me an email saying I was permanently banned from XXXX and that they do not share their share their decision making criteria. This is very confusing since I had not done anything out of the ordinary and can't understand why exactly I was banned from the service. The inability for XXXX to explain what term I violated is concerning. I have no way of knowing why I am being excluded from this service, so this is why I am reaching out for your help. I know I did not do anything illegal, so I think XXXX should be more transparent of why they made their decision, especially given some of discriminatory setback associated with the financial services and XXXX XXXX. I am a law abiding XXXX XXXX man with no criminal history, so I am concerned this denial of service could be for other reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

JHPDE Finance I LLC has open a collection account on all my credit reports without verifying the accuracy or contacted me prior to open this account against my name. I have contacted JHPDE Finance I LLC on multiple occasions for the validity of this account but I got no response. JHPDE Finance I LLC, XXXX, and XXXX refused to investigate the validity of my disputes along with removing it from my account. I eventual settled the account because this collection account is impacting my employment. After settling this collection account with the request to removing it from my account, JHPDE Finance I LLC still refused to close and remove the account from XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XXXX. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Mortgage

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) of the Mr. Cooper mortgage company contacted me. She said she was sending my release of lien as we were speaking and I was getting a document via the mail. She asked if she satisfied my request and I said yes ( in case you hear a recording ). I should have verified that it was sent while she was on the phone as she said she was doing and I shouldnt have answered yes, unless I also said if you sent what I requested. After the phone call, I logged into the link she sent, but it did not yield anything. I then logged into the regular Mr. Cooper portal ( where you make payments, etc. ) and got further, but still nothing. 

I later received a letter dated XX/XX/year> that said they received the final payment of the loan on XXXX. To the right of the letter was ITS OFFICIAL : Your release of lien is in progress. 

I also relieved a letter dated XX/XX/year> in which they are calling the payoff amount I paid to XXXX XXXX as a suspense balance. As you know ( regardless of what they attempt to explain ) after they loan is paid off, the borrower is responsible for their insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is " CLIENTS NAME '', and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still a remaining account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

I just received an ameratization statement and it showed an among due of {$4800.00}! I immediately telephoned and received differences in amounts due either by automated and person. Finally asked for supervisor and received more different figures, told to call my bank and trace the payments, did that and all payments show being made to the mortgage, none returned. Telephone the mortgage company OCWEN with response from bank and giving them the 'dates and amounts of the payments ) and they ca n't tell me anything other than the money was returned, we did n't have permission to make XXXX payments, and they ca n't override their system to accept any payment other than {$4800.00}, due to the account is more than 87 days delinquent, yet now at the end of the call they want another {$2900.00} for a shortage in the escrow!! What can I do?
Product: Credit card or prepaid card

Hello, The credit card company charged us {$30.00} late fee on XX/XX/2022. For many years now, we use our local bank - XXXX - to pay every bill via on-line Bill Pay feature. As always, per our directions, XXXX made the full payment on the due date of XX/XX/2022. However, the credit card company recorded the payment on the next day - XX/XX/2022. Because of that, we were charged late fee. After talking to three different representatives of Capital One, they refuse to reimburse {$30.00} fee. They said that their bank was switched and it is too late at this point. I don't agree I should be penalized for either of them switching the banks ( from XXXX MasterCard to Capital One ) or them processing my full and timely payment a day later. Both of those things are out of my control. I am asking for help to refund the wrongfully charged {$30.00} late fee. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requesting from XXXX XXXX to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, Experian, XXXX and XXXX all continue to verify this bankruptcy all siting that XXXX XXXX their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor XXXX XXXX, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

XXXX XXXX does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore XXXX XXXX is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage has been purchased and sold several times. My current loan servicer is " Mr. Cooper by XXXX. '' I pay my loan through bill pay out of my checking account with XXXX XXXX Bank. 

I send this payment automatically each month on the XXXX of the month. 

I have noticed that each month the effective date is soon after this XXXX date, between the XXXX and XXXX of the month ( the later date due to weekends I believe ). 

However, this payment is not applied to my account until many days later. For example, my XX/XX/XXXX payment was " effective '' XX/XX/XXXX but " applied '' on the XXXX. My XX/XX/XXXX payment was effective XX/XX/XXXX but applied XX/XX/XXXX. The worst this year was for my XX/XX/XXXX payment ; it was effective XX/XX/XXXX but not applied until XX/XX/XXXX -- 14 days later. 

When I asked about this, the representative of the loan servicing company blamed my bank for the delay. However, this money is taken out of my account on the XXXX of each month. To remedy this situation, the representative wants me to give them my bank account number and routing number so they can automatically pull the funds out of my account each month. I do not want to give them this ability. 

I can not get a good explanation for the delay is crediting my account for the funds I have sent and frequently posting the payment well after the due date, even though it was sent and received well before that due date.
Product: Credit card

I have a couple different accounts under synchrony Bank I didn't realize immediately but later that each one of them were tied in as I registered them for online access. I have a CareCredit account for my wife 's dental and I have a Sam 's card and I have a XXXX XXXX XXXX rewards card for my wife. She's trying to handle the business but they keep denying her as she is just an authorized user. But these things are also affected her credit. As of earlier this year they continue to decrease all my limits even though I'm paying on the car every month. I've had instances where I receive increases to my credit limits but never a decrease. And it seems to only be with synchrony Bank products. This is really hard in my credit because it continues to decrease my credit limit which decreases my usage my wife 's car has been maintaining a 30 % or less usage since earlier in the year in order to upper score and it has really affected her as well. She went from a {$500.00} credit limit on XXXX XXXX to XXXX to XXXX and this is ridiculous. It's always happening in the middle of the closing of a statement where which we've paid a certain balance based on the current limit and all of a sudden it changes. They claim to have sent letters but we don't get any notification till I first done. Can you please have the original
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : FARMERS FURN Account Number : XXXX Account Name : SPRINGOAKCAP Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of 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, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX XXXX, XXXX, Dept of Ed/XXXX,  XXXX, XXXX XXXX  and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Debt Validation and Collection Practices Dear Sir/Madam, I am writing to formally file a complaint against Foster and Monroe regarding their attempts XXXX collect an old debt that I believe they have failed to validate properly. I am concerned that their actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and wish to seek your assistance in resolving this matter. 

Details of the Complaint : Creditor Information : Foster and Monroe XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : Account Number : [ Your Account Number ] Debt Amount : XXXX Nature of the Complaint : Failure to Validate Debt : On approx XX/XX/year>. I requested written validation of the debt, including details on the original creditor and the amount owed. To date, Foster and Monroe have not provided any documentation to substantiate the legitimacy of this debt. 
Right to Sue : Additionally, I have concerns regarding their right to initiate legal action against me for this debt, especially given that it is an old debt. I am unsure whether this debt is still enforceable in my state based on the statute of limitations for debt collection. I live in Arkansas and incurred this debt over 16 years ago while I was still in service. I believe that Foster and Monroe 's lack of communication regarding my validation request indicates a disregard for my rights as a consumer. Their actions have caused me unnecessary distress and confusion. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and provide guidance on the appropriate steps I can take to protect myself against potential legal action related to this debt. Additionally, I would appreciate any assistance in ensuring that Foster and Monroe comply with the debt validation requirements established by federal law and remove this from all three of my credit files. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent TransUnion Corp.a request to reinvestigate several items on my credit report.. 

On XXXX/XXXX/XXXX, TransUnion sent me a letter/report which did not correct the incorrect information for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. 

The specific information that is still incorrect on the report dated XXXX/XXXX/XXXX and needs to be corrected includes the following : XXXX XXXX XXXX XXXX Reported Balance is listed as {$0.00}, which it is not. The current balance as of XXXX/XXXX/XXXX was {$130000.00} ( see attached statement ). 
Under Pay Status, it states that my account was included in Bankruptcy. I filed for Chapter XXXX bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XXXX/XXXX/XXXX ( see attached XXXX XXXX. The Chapter XXXX Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Pay Status on this credit report. 
The Payment History ends in XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XXXX/XXXX/XXXX and I am ahead of schedule in my payments ( see attached statement ). 
Under Last Payment Made, it states that my last payment was on XXXX/XXXX/XXXX, which is erroneous. My last payment was recorded on XXXX/XXXX/XXXX for {$1100.00} Under Remarks, it lists Chapter XXXX Bankruptcy, which, once again, should not be referenced on this report, since this loan was not included in the bankruptcy, It lists the loan as closed on XXXX/XXXX/XXXX. This loan is not closed, as can be seen from the attached statement. 

XXXX XXXX XXXX XXXX My loan is listed as closed on XXXX/XXXX/XXXX, which it is not. Please see the attached statement. 
The Balance is listed as {$0.00}. The current balance as of XXXX/XXXX/XXXX was {$21000.00} ( see attached statement ). 
Under Pay Status it states : Account Included in Bankruptcy. As stated above, I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XXXX/XXXX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. This loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Pay Status on this credit report.

The Last Payment Made is listed as XXXX/XXXX/XXXX. I made a payment of {$400.00} on XXXX/XXXX/XXXX. 
Under Remarks it states : Chapter XXXX Bankruptcy. Since this loan was not included in my bankruptcy, there should be no mention of it in this section. 
Under Estimated month and year that this item will be removed, it lists XXXX. I am not sure why this date is different from the removal date for XXXX XXXX XXXX XXXX, which is listed as XXXX, which is seven years after I filed for bankruptcy.
Product: Debt collection

Midland Funding has continued to report inconsistent rention dates on multiple accounts, to the XXXX credit agencies. On account XXXX, they report to XXXX a retention date of XX/XX/XXXX -- XXXX XX/XX/XXXX -- no reporting on XXXX. Account XXXX they report to XXXX a rention date of XX/XX/XXXX -- no reporting to XXXX -- and a reporting of XX/XX/XXXX to XXXX. On account XXXX they do report to XXXX or XXXX -- to XXXX they report a rention date of XX/XX/XXXX. On account XXXX they do not report to XXXX & XXXX -- but report a rention date of XX/XX/XXXX. On these accounts, they do not report an original creditor or contact information for the original creditor. They have failed to report correct information on any account that they hold of mine. I have submitted numerous disputes with each credit agency, & they continue to verify each account with each agency, even though all information that they report is inconsistent.
Product: Credit reporting or other personal consumer reports

After being notified of my personal information being used in several data breaches, I reviewed my credit report and noticed an account that I did not authorize, along with relevant inquires. I have no recollection of applying for applying for this account, and it is negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off of my credit report in 4 days! This account is damaging my credit. I have no connection to this account and urgently request the immediate removal to prevent further harm to my credit. I disputed this account and it was not removed. 

XXXX XXXX Account # - XXXX {$410.00} XXXX XXXX XXXX Inquires XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Having unauthorized accounts on my credit report is a nightmare. These errors have been dragging my score down for so long, and the toll its taken on my opportunities is hard to measure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could Experian verify this account. Surly they never investigated.