23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, XXXX XXXX XXXX : XXXX, 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 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. 16815-2 ( AN1 ) 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: Debt collection

Hi, I submitted a complaint on XX/XX/2021 with complaint ID XXXX on issues about collecting on 2 credit card debts. I do not know if you requested information for me but I received correspondence from Portfolio Recovery Associates, LLC. Again please find the attached letters I keep on receiving from them when I ask for verifiable proof. I keep on asking that they provide me with a contract, signature that these are mine and I am obligated to pay them. They keep on asking me for additional information, I do not understand what additional information they want from me, I am looking for proof from them.

Best, XXXX XXXX
Product: Credit reporting

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing multiple accounts that have been unlawfully and inaccurately reported on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Due to these violations, I am requesting the immediate deletion of the following accounts from my credit report : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. These accounts contain inaccurate, unverifiable, and misleading information, violating this requirement.

Obligation to Delete or Modify Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 5 ), if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Immediately delete or correct the inaccurate information from the consumers file. 
Notify the furnisher that the item has been modified or deleted. 
Prohibition on Reporting Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) strictly prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. The accounts listed above have been wrongfully reported and must be deleted immediately.

Unauthorized Disclosure of Consumer Information Under 15 U.S.C. 1681b ( a ) ( 1 ), credit reporting agencies must ensure that only accurate and legally permissible information is included in consumer reports. Since the disputed accounts fail to meet these legal standards, they must be removed.
Product: Mortgage

Select Portfolio Servicing is the mortgage servicer of the loan that we have with XXXX XXXX as the note holder. My wife and I received a federal loan to help us decrease our loan because we were upside down and we received a mount for XXXX that was sent to Select Portfolio service to put toward the principle. Once they did receive the check we asked if they could reduce our monthly mortgage payment and they said, " No. 
They claim that they had already done amortization and that they could not lower our payment. If they only service the loan then why are they acting like a bank and making decisions for XXXX XXXX. They SPS are taking in money for banks and modifying loans but they claim not to be able to lower monthly payments for the consumers that in up with this loan servicer. How can this be and this has to be illegal. So many consumers have had similar issues with SPS and they should not be allowed to be in business. 

Thanks, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Clarity have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. I was in XXXX XXXX on vacation. When i checked my email. I received an email from Western Union dated XXXX XXXX at XXXX PM. ( First email ) that said a person named XXXX XXXX XXXX can now pick up the Money. I don't know this person is. I did not know what the email was about the i found additional email that said your money has been picked up and there is three other transactions and its worth {$400.00} each transaction and the money is on that person already. I called Western Union as soon as i found out the fraudulent transaction and they advice me to call my bank to file a dispute and call CFPB for a record.
Product: Mortgage

This is the Second time this company has failed to refund an escrow overage within a timely manner. They usually take over 30 days, and often what is said is not usually done. XXXX XXXX, loan serviceer for USAA, Has withheld my escrow overage check. The loan closed XX/XX/XXXX ( was paid off XX/XX/2018). I called several times : Tuesday : XX/XX/XXXX- Check was disbursed XX/XX/XXXX and XX/XX/XXXX it was sent out. No tracking number was given. I notified them that I had not received that check only a pay off overage for {$30.00}. No viable resolution was offered. I offered to pay to have it shipped overnight. XX/XX/XXXX another check was disbursed again with no tracking number. XX/XX/XXXX I spoke with the executive resolutions department - XXXX & her supervisor XXXX. I called again today & was told again, The stop payment was approved. I have been promised yet another Date Friday ( XX/XX/XXXX ) for direct deposit this time. XXXX XXXX is certainly doing a disservice to any USAA member. 3months ( when by law its supposed to be returned within a 20-45day time period ) to receive any refund is absurd and this unethical business practice was the sole reason we paid out of pocket to refinance with another lender.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XX/XX/XXXX and XXXX (XX/XX/XXXX to verify this account XX/XX/XXXX. It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my initial dispute request to TransUnion on XX/XX/2019 via certified mail. I disputed items and there are still errors on my report. Example : TransUnion continues to report an account with an invalid address that doesn't belong to me. XXXX XXXX XXXX XXXX # XXXX. Also I've won an Identity Theft case regarding XXXX XXXX and I've provided proof but TransUnion is still reporting it. I've attached the court dismissal. Both XXXX and XXXX  have deleted XXXX account. Further, I've notified TransUnion of my Identity Theft by providing a Federal Trade Commission Identity Theft report and a copy of my Police Report as instructed under Section 605 of the FCRA yet TransUnion still continued to ignore my information. TransUnion did not comply with Section 605 of the Fair Credit Reporting Act and did not " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  and XXXX. Department of Education, and US Department of EducationXXXX XXXX. I have certified mail receipts of over 5 Letters I have mailed to TransUnion to correct the errors on my credit file. Please make sure they adhere.
Product: Checking or savings account

Back in XX/XX/2023 i received a check for USDXXXX under my personal name, it was issued by the XXXX Treasury , i deposited this check into my personal checkings account in Bank of America also in XX/XX/2023. 

Bank of America frozed my account the day after my deposit, they were saying that the check was forged and altered, and that they were going to report me to XXXX  XXXX. In XX/XX/2023 they finally decided to close my account, and they have been holding the funds of this check since XXXX, i have called many times to the number XXXX, i have try to provide documentation of why did i received the check, nothing have worked until now. 

I have also tried to open a personal bank account in XXXX banks and they have closed them. 

I am feeling a little desperate and with no idea what should be my next step in order to get my funds reimbursed to me.
Product: Mortgage

Back in XXXX, I completed the three month loan modification trial period plan with BOA. That should've results in a permanent modification due to the successfully completion of the required trial payments. After, the trial I didn't receive the permanent modification. It was sold to XXXX, XXXX on XX/XX/XXXX where the mortgage went from XXXX to XXXX. Now, XXXX XXXX XXXX XXXX XXXX XXXX has the mortgage since XXXX. I tried to modification with them and have been denial for all trials. Even thought the original approved modification should've transferred over when they assumed the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Target for 2 payments reporting as late from 2017 and it’s showing on my XXXX  report as updated but still not on my XXXX  and XXXX. It’s affecting my payment history negatively on my score.
Product: Debt collection

I am writing to bring to your attention a discrepancy in the information pertaining to my accounts held with your bank. According to my recent credit report, there seems to be inaccurate information regarding the status of these accounts. 
XXXX XXXX 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

XXXX has been non-compliant with removing the unverified account CBE GROUP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CBE GROUP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  Account. It shows on my credit report that the account is closed. My credit score dropped from around 680 to 630. It also does n't have the correct amount of money I owe from XXXX XXXX. I tried going through XXXX XXXX  but nothing came of it.
Product: Mortgage

My original mortgage loan was sold to PennyMac mortgage servicing company several years ago. Ever since several times a year I receive harassing phone calls and letters from the company demanding that I send insurance verification or some other documentation that is not even my responsibility to obtain. Even worse, when I go out of my way to have the documents sent, they continue to barrage me with calls and harass me about it. When I finally got someone on the line and explained that it had already been sent, they spend 15 minutes looking and found the requested document. So even when I provide what they are asking for at great inconvenience to me, they do n't process it and continue to harass me over it. They should get the documents directly from the HOA and not harass me seveal times a year when the insurance policy is updated.
Product: Credit card or prepaid card

Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response. 

Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to no response.
Product: Credit card or prepaid card

Chase called to what they called evaluate my credit limits and allow I have a better credit profile now then I did when I opened the credit card they lowered my credit limit by 150 %. The person and I did not have a pleasant conversation as I was working at the time they called. When I tried to follow up with a phone call to a supervisor they told me the person making the call has the ability to raise or lower my credit limit as they see fit. For this reason I believe that the decision to lower my credit limit was personally motivated and not in line with credit limits extended to other customers with the same credit profile.
Product: Credit card

XXXX the XXXX I went withdraw {$100.00} from my account using my credit card. I received a notification from my banking app that it was out me over the spot me limit. I changed my limit from {$20.00} to {$25.00} dollars. I never received the money from the atm. Speaking to the people where the atm was that said it was a third party & I would have to call the number on the atm. Once I called the number they said I would need to file an ATM ETF dispute but Chime just does regular disputes.
Product: Checking or savings account

Jp Morgan Chase closed my account with out notice on XX/XX/2023 went to get groceries and gas for my family and my dept card was frozen said declined so I called chase knowing I had funds in my account with know way to provide for my family on the XXXX talked to XXXX branch manager in XXXX she said they don't know why but I was able to get my funds out and explained I get paid on Friday the XXXX of XXXX she talked to someone on the phone and said I could access my funds wensday the XXXX but chase is still closing my account called that Friday and XXXX the branch manager said my account was closed and apologized. But that doesn't fix things because I had no food to feed my family or fuel to travel to get help and chase never kicked my compensation check back to va to be resubmitted to me and as I know of today the XXXX of XXXX they still have not sent it because I am begging for help as a veteran of XXXX pretty sad when a institution that says does for veterans denies your rights to access your funds after banking for 12 years and you only gained small interest rates if any from them.
Product: Debt collection

XXXX XXXX report states open account, past due placed for collection what was this account sold for this account is not accurate in balance clarity, XXXX, XXXXXXXX XXXX  are reporting false information this account was sold to a third party collector who pays pennies on a dollar making the amount false and fraudulently tying to collect on a higher amount enclosed is my request from you
Product: Credit reporting or other personal consumer reports

I DID NOT SIGN ANY AGREEMENT THAT FIRST XXXX XXXX  COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Product: Debt collection

I contacted the CFPB regarding a debt and a dispute between myself, XXXX, and XXXX XXXX. 
XXXX/XXXX XXXX sent my account in to a collection company entitled XXXX XXXX   that appeared on all 3 Credit Reporting Agencies and as of XX/XX/2018 I believe all three CRA 's have since amended the information at XXXX XXXX  and the information has been deleted from my credit reports due to my attaching correspondence from XXXX XXXX that showed XXXX balance on that account. 

Since the correction of that issue an additional collection company has been calling me about this same debt at XXXX/XXXX XXXX. I spoke with a company representative at DCI Collections at XXXX and was informed that XXXX had sent them this debt and that it needed to be resolved immediately. 

I was informed that XXXX/XXXX XXXX would continue to send this derogatory information to various collection agencies so I am requesting assistance in getting this matter cleared up once and for all.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately 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 XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres.o.sk
Product: Debt collection

Grant & Weber collection agency is intentionally, and fraudulently, damaging my credit. They received this debt from a medical procedure that was performed on me in 2013 - my employer was supposed to cover the cost of the procedure, but then reneged and lied to the hospital about the status of my insurance coverage ( separate issue ). Since 2013, Grant & Weber has charged over {$5000.00} in interest on the collection account. In addition, they have reported to the credit bureaus EVERY MONTH a 'failure to pay ', even though I never established a payment plan with them. This monthly logging of the 'XXXX  ' is causing the account to be refreshed/renewed each month, instead of progressing through the fall-off period. They are intentionally, and fraudulently, reporting it this way so that the debt can not fall off. I have contacted Grant & Weber to dispute the debt, but they refused to investigate, and refused to help me with the original creditor.
Product: Credit card or prepaid card

I applied for the Barclays XXXX XXXX XXXX card and was denied solely for too many recently opened accounts. However, the rest of my credit history and income supports my qualification for the card. Additionally, I have over a year of credit history, as well as a variety of good-standing credit accounts. I believe that with all of this, I am qualified for the card.
Product: Money transfer, virtual currency, or money service

Please help! I did not authorize transactions on PayPal. I contacted the company but I did not receive any money back. There are 2 amounts was unauthorized. One is {$450.00} to XXXX XXXX and another one is {$500.00} to XXXX XXXX.
Product: Mortgage

In XXXX, I received correspondence from my mortgage servicer, that I was almost in foreclosure for non-payment. I called and asked when I didn't make a payment, and they told me it was in XXXX of XXXX. I called my bank and requested canceled checks proofing that I had made the payment and that it was cashed by the loan servicer. I had all of XXXX and every check was cashed. I called again and asked since you are accusing me of not making a payment, tell me which month and I can prove that I made the payment and there is a mistake on your end. Again I called and could not get a definite answer, it was XXXX, it was XXXX. They could not give me an answer. The person I spoke to, XXXX, told me he would talk to his supervisor, and the supervisor would call me on XX/XX/XXXX, at XXXX am EST and tell me when I did not make a payment. The phone call never came. I called again and got another representative, and once again the same thing, this one said my loan started with a rearrange. I have mortgage statements from the beginning and the unpaid amount did not start until XXXX. I am being damaged by this negative credit impact, my credit score has already dropped XXXX points and a loan that I applied for, I was denied because of this issue. What type of financial institution doesn't know when a customer did not make a payment?