23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I requested a review of my escrow account because it is an FHA loan and the amount owed has dropped below 20 % so that the PMI should not be charged to my account. I was told they would conduct a review and that I would receive a letter within 30 days. 

I contacted them again in XXXX to follow up and I was told they had conducted a review and that I was entitled to a refund and that a check would be mailed to me. 

I contacted them again on XX/XX/XXXX and I was told they stopped charging me the escrow payment but they needed to conduct a review and that a request for review and refund had never been submitted and that a review would take until XXXX at the end of the year. This makes no sense. How did they determine to remove the escrow unless they completed a review. It seems they are holding onto my excess escrow for some reason. 

At this point, it seems like they are withholding my escrow refund purposely for some reason. It has been 6 months and now Im being told it will be near the end of the year, fo them to conduct yet another review..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 an account without my written instructions. 

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I demand it be deleted and to not be put back on in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Convergent Outsourcing has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. Convergent Outsourcing Still hasnt fixed there mistakes. In accordance with the fair credit act Convergent Outsourcing Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. Convergent Outsourcing has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX XXXX still reporting false information for years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX  30 days late XXXX XXXX 60 days late XXXX XXXX days late XXXX XXXX 60 days late XXXX XXXX days late This account has been paid and closed and I will like for the late payments to please be updated to paid. 


Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered 60 days late, than 30 days late and go back to 60 days late. A payment can not be considered 60 days late 2 months in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ) Since XXXX of XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX and XXXX in XXXX of XXXX. XXXX ) On XX/XX/XXXX, an XXXX XXXX account ending XXXX was open while XXXX XXXX was in prison. This is Identity theft which XXXX XXXX demanded this account to be deleted on XX/XX/XXXX. XXXX ) On XX/XX/XXXX, an XXXX XXXX by XXXX XXXX was opened one month afteXXXX XXXX XXXX XXXX XXXX  XXXX Page XXXX of XXXX Complaint Detail XX/XX/XXXX, XXXX AM XXXX XXXX was released from a XXXX prison sentence. XXXX XXXX CHALLENGES and demand this account to be deleted because its not possible to get approved without any credit history after XXXX years and its evident this is part of the identity theft claim that was filed on XX/XX/XXXX. XXXX ) On XX/XX/XXXX, a XXXX XXXX charge card was opened in the same year XXXX XXXX was released from prison, and this is evident that identity theft occurred because how would an individual after serving XXXX years establish enough credit in 3 months to be approved for a {$15000.00} credit limit. This account was also challenged for identity theft, and we demand this account to be deleted. XXXX ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX accounts were reported to be opened under Identity theft in which account ending XXXX was deleted and account ending XXXX was not deleted and this account was opened on XX/XX/XXXX, and account XXXX was opened in XXXX. This account was part of the identity theft data breach, and we demand that this account be deleted. XXXX ) On XX/XX/XXXX, a XXXX XXXX XXXX account was opened and was unauthorized by XXXX XXXX and this is another XXXX XXXX account which is inaccurate, and we demand that this account be deleted. 

Company 's Response We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : 1. XXXX XXXX Account Number : XXXX 2.XXXX  Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have filed a dispute with the dispute department against XXXX for items I did NOT RECEIVE. The purchase is dated XX/XX/XXXX, posted XX/XX/XXXX in the amount of XXXX. Case # XXXX When I contacted the XXXX to cancel he advised me to contact customer service and when I did, customer service advised me they can not cancel or reimburse me. I contacted them 3 separate time and they stated Im not eligible for a reimbursement although I didnt receive the items and the order not being canceled correctly. Due to them not providing me assistance and denying my request to cancel I decided to dispute it through citi, my bank. I DIDNT receive the items and order was closed, Citi has allowed for the transaction to still go through. They are allowing fraud on my account. 

When I called today I was told I can only appeal the dispute by mail, which takes 5 business days to receive and another 5-10 business days to process. So I have to wait almost a month for reimbursement on a dsipute they did not handle correctly to begin with. 

I recently received funds from a family member and I can not even access the funds due to their negligence because it all went to that negative amount and its putting me in an even deeper financial crisis. 

All I wanted was for them to dispute that charge and not allow fraud for failed services to my account and they are not willing to help and provide a 3-4 week turn around time.
Product: Mortgage

I closed on my mortgage about 2 weeks ago. Chase reached out to my mortgage broker yesterday where they told him they immediately needed a form which they had forgotten ( Notice of Right to Cancel. ) They have bugged my broker several times within two days and I have in turn been bugged several times. I have not been near a printer and have been unable to print this form. I will do this as quickly as I can but this pressure is unreasonable. 

Chase clearly lacks a proper control environment. Both the initial error ( why do they not have better controls for a Critical Business Service? ) and the follow up ( where do you draw the line for UDAAP? Why am I told that Audit is threatening my mortgage? ) This behavior is inexcusable from a lender who can not manage their own internal processes. 

Please tell Chase to invest in controls, not harassing me. Can you please give me a way to contact Chase? I asked to contact them and was told by my broker that this is not possible. If I am going to have to work with Chase as an investor, they need to behave better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX  a copy of a computer print out with no record of the payment from NYS Department of social services and it  was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet  this remains on my XXXX and Experian reports. XXXX has consumer disputes and Experian does not.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX I have 1 missed payment on XX/XX/XXXX date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$4600.00} date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$27000.00} date open XX/XX/XXXX, XXXX XXXX XXXX XXXX I owe {$18000.00} date open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments date open XX/XX/XXXX, XXXX XXXX XXXX XXXX late payments date open XXXX are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Debt collection

Nemo 's collection XXXX has a debt listed on my credit report that is not mine. I never signed a contract or entered into any contract with the people who owe this debt. I have disputed this with XXXX XXXX and Nemo 's to no avail. I have been unable to get credit or a loan due to this horrible ding on my credit report. 

I have attached the letter I sent to Nemo 's requesting all copies of said contract, etc. They did not send anything but a statement requesting payment. 
Further exploring by a family law official exposed the fact that this debt was discharged in a bankruptcy and is in the public records. I have also included the letter with the case number, as well as other supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXXXXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX ET cutoff time on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXs Deposit Account Rules and Regulations specify neither days ( e.g. Saturdays ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, 24/7 message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take 72 hours for a payment made to XXXX XXXXXXXX XXXX via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXXXXXX XXXX to penalize consumers for accepting that assertion at face value.
Product: Student loan

Initially prior to the payments for student loans to start back up after covid I had Federal Student loans. I had my loans consolidated using XXXX which in turn they used Mohela as my servicer!! I've had no billings statements since then sent to me!! Then come to find out my loans went from Federal to Private without my knowledge prior to agreement signed! I wasn't told this before the agreement!!! Had I been told that I wouldn't have agreed to it! Plus since repayments started I believe last fall my balance has only gone down like {$700.00} with payments of {$300.00} a month! Most of my loans were over XXXX XXXX XXXX and the remaining ones were XXXX + years prior to consolidation!!! At a minimum I believe I should be moved to another provider preferably back to where I came from!!!
Product: Vehicle loan or lease

I have disputed this account multiple times with Wells Fargo, and they have continued to kick the can down the road, they respond with letters telling me they will respond, then they send me a letter demanding more information from me, when they are the ones furnishing said information. I've asked for your help before because I don't know where else to go, please help me, they are reporting incorrect information and stalling on responding. They have committed multiple violation of the FDCPA and FCRA, they still have not responded to my original dispute, they just keep stalling. I need help!
Product: Credit reporting or other personal consumer reports

PLEASE HAVE THE HARD INQUIRES BELOW REMOVED FROM MY CREDIT REPORT. I HAVE NO ACCOUNTS WITH THESE LENDERS AND HAVE NO KNOWLEDGE OF WHY ITS ON MY CREDIT REPORT. THERE IS 27 TOTAL HARD INQUIRES THAT NEEDS TO BE REMOVED BUT I HAVE 9 LISTED BELOW. 

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

In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX XXXX on Date : XX/XX/, 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 an account without my written instructions.

This inquiry from XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent, because I did not authorize this company to pull my credit file.
Product: Debt collection

XXXX XXXX a rep for GREENBERG , GRANT & RICHARDS INC. located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX contacted me on XX/XX/XXXX about collections with quickbooks over payroll. My company missed payroll in XXXX and XXXX covered it. I had a XXXX XXXX during this time and my mother in law died a few days later. This was no excuse, but I was going through a lot. I had every intent to pay this debt. XXXX XXXX XXXX stated that he worked for a law firm and had been retained to take care of this matter. He implied he was a lawyer, when he is not. He stated that XXXX has a zero tolerance towards payroll and my failing to cover payroll could be construed as intentionally committing fraud which is a felony. He stated to me that he would prefer to get this handled before they " go this route '' but I had to start making payments now. All I had was XXXX which I paid. He wanted another XXXX on a specified date and the remaining amount on another specified date. I am seriously ill. I missed the second payment because receivables had not cleared my business accounts. When the payment was missed, he stated that I had committed multiple felonies with the intent to commit fraud that crossed state lines. I told him that I was trying but having serious health issues and family issues. I paid the XXXX a few days later and was told I could pay the rest at the end of XX/XX/XXXX. A few days later while being with my mother on her death bed ( she died that day ), I was again harassed by XXXX XXXX about payment ( though he already told me I had until the end of XXXX ). On XX/XX/XXXX I paid the debt in full to XXXX XXXX XXXX. 

I realize I owed a debt. The tactics though by XXXX XXXX XXXX should be considered illegal. Having a XXXX XXXX, mother in law die, then my own mother dying and then having to endure threats by XXXX XXXX is unacceptable. I have copy of emails that shows the threats. My wife was present when he represented himself as an attorney. 

I have 3 master degrees, graduated from XXXX XXXX  ( not an attorney ) and I am a former XXXX XXXX. SO I know the laws. I know the actions that he made to try to intimidate me are illegal. Quoting the law and implying he was an attorney could also be construed as practicing law without having a bar card with the state of California. I want a formal investigation done on this individual and appropriate fines against GREENBERG , GRANT & RICHARDS INC.who is vicariously liable for the conduct of their employees.