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

XXXX  XXXX 15 U.S. Code 1666B - Correction of billing errors For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Checking or savings account

At Huntington National Bank I've tried removing all of my accounts because money from the U.S. Gov. is still going into an account that I have no access to. The bank will not remove ALL of the accounts under social security because there is fraud taking place within them. They keep one open that is using the name XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX. Since I am not officially married my name has been always under my original birth name. The social security office is conducting fraudulent business as well keeping a false identity. This money needs to be delivered to my physical address immediately on a ATM card instead of going into an account I can neither close nor access. Last year I submitted to the IRS a claim that my identity is being stolen & social security is labeling a different name attached to my social security card. & has reached a serious data breach within all U.S. Gov. systems nationwide. The bank thus maintains one account because of the S.S. department refusing to properly identify me. They are using it to obtain trillions of dollars because I am employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2019 someone acquired my Bank of America Visa information and used it to open a subscription with XXXX XXXX -- a video game company. I saw the charge on my XXXX bill, reported it as fradulent, received a refund and got a new credit card. Then the charge appeared on my XXXX bill. I repeated the process. When it showed up again in XXXX, I repeated the process once more and began researching. That's when I learned about the Account Updater service. When I asked Bank of America to opt me out of having my account details updated for participating merchants they responded that they had no control over that and told me I had to call Visa. Visa told me it was the card issuers ' responsibility and sent me back to Bank of America.I can't cancel the subscription through XXXX XXXX because there is no contact information for the company on its website. Nor do I know what name the subscription was opened under. I can't believe that neither Bank of America or Visa is unable to suspend account updater for me.
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 furnished by XXXX, XXXX, and Equifax has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.
Product: Debt collection

XXXX, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXX which is 12 years later these companies Mr. Cooper/XXXX XXXX are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for two wars to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right
Product: Credit card or prepaid card

I signed up for Barclays American Airlines Aviator business card with XXXX  points sign up bonus and {$95.00} statement credit after meeting the minimum spend. I got the advertised XXXX points but not the statement credit. It has been XXXXXXXX XXXX  since I emailed Barclays about the missing credit with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit profiles and noticed multiple credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable as the address didn't exist. I subsequently contacted Experian regarding the inquiry on my credit profile. Experian signed the certified mail receipt from my letter on XX/XX/XXXX. It is now more than 30 days from the date of my dispute and Experian has neither responded to my dispute or removed the 2 unverifiable inquiries from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX continue to send letters stating it is not me trying to validate the debt on my credit file. I have sent notification that indeed it is me ask for validation of such debt. Therefore the agencies are not doing their jobs in verifying the information and continuing to allow false information to remain on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$6400.00}.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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: Money transfer, virtual currency, or money service

On or about XX/XX/2018, I paid my monthly bill through Suntrust Bank, acct # XXXX. My rental check of {$1500.00} that I requested was never sent to my rental agent, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; therefore, XXXX XXXX XXXX began a small claim ( approximately {$220.00} ) against me for none payment of rent for XXXX. I had asked for the check to be mailed by XX/XX/2018. After the XXXX county sheriff put a summons on my door XX/XX/2018, I paid XXXX XXXX XXXX {$1800.00} ( rent plus the cost of court. ) On or about XX/XX/2018, XXXX XXXX XXXX sent me my lost check. The company said a XXXX XXXX found the check included in his accounts receivables. He then took it upon himself to deliver the check to the intended company. 

The company that Suntrust uses for Billpay is actually unknown to me, and they won't divulge the name. I believe the company is XXXX, located in Florida. .1. I made a claim for the Billpay company to refund my {$220.00} ; they never replied to me ; however they wrote in my file that I supplied them with an incorrect mailing address for XXXX XXXX XXXX. That accusation is incorrect. That company had paid to that same address for the three previous months without any incident. 2. The Billpay company owes me a written response.
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 redress ( 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 unprotect
ed.

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 redress for these violations.
Product: Checking or savings account

I am writing to file a complain against Navy Federal Credit Union regarding several over draft fees have incurred. Despite having funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My mortgage statement and payment coupon are not delivered to my house in time for me to make an on time payment on my mortgage. I have complained numerous times to Select Portfolio Servicing Inc.. The company representative states that SPS Inc. is within their rights to delay the generation of and mailing of my statement and payment coupon beyond the grace period date, and that the delay should be blamed on the United States Post Office poor service. The company makes no allowance for my reliance on the USPS to return payment timely. The company stated that if I were to return payment beyond the grace period date, I would be charged a late fee regardless of when my statement and payment coupon was received by me. 

SPS Inc. representatives state that I could sign up for their internet based payment method. This is unacceptable to me. I do not trust a company, that does not care enough to mail a statement timely, would care enough to safeguard my banking and other personal information online. 

I have to wait by the mailbox daily hoping that my statement and payment coupon will be delivered in time for me to immediately write out a check and return to them before the date a late fee would be charged or worse, be recorded and reported late to credit agencies. 

This intentional delay causes undue stress on me. This intentional delay unfairly enriches SPS Inc. as my payment is posted to my account, after the first of the month, every month. 

I would like the CFPB to address this important issue with SPS Inc.. SPS Inc. acknowledges slower mail delivery, it is incumbent upon this company to adjust the date that my mortgage statement and payment coupon are printed and mailed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX , XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Dept of ED/XXXX  , has violated my rights. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed disput with experian about a collection accout medical debt from XXXX financial for {$680.00} i sent proof the to both experian and XXXX that i'm on texas medicaid been on it since 2016 that they can not do balance billing.. i want to the er for an emergency they then bills from differnt dr saying they do not accept medicaid i told them im protected by state and federal law they refused to do anything reported it to the credit company experian they said we veryfied the debt is true .. witch is not it is a fraudlent bill
Product: Debt collection

This is a debt that does not belong to me and The original date the debt was said to be mines is incorrect, Ive disputed this more then 7 years ago and its been off my credit till XX/XX/2020. This debt is in violation of the State statutes of limitation in Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a federal investigation. This practice violates the Fair Credit Report Act ( FCRA ) XXXX XXXX, which mandates a reasonable investigation disputes.Furthermore, Equifaxs XXXX XXXX also contravene the consumer financial protection act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB administrative proceeding ( XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complied with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Experian has been reporting these accounts and have not been able to show me proof of my original signature that i started these accounts. XXXX XXXX XXXX ( Account number XXXX ) & XXXX XXXX / XXXX / XXXX  ( Account number XXXX )
Product: Credit reporting

I am complaining against Early Warning because they are denying me my FCRA Right to block fraudulent information that is reporting on my early warning file. I went to open up a checking account and was denied because of information that is reporting on my early warning file. The fraudulent information is being reported by XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never had any type of banking relationship with these institutions. I filed a police report with the XXXX County Sheriffs office and listed these accounts on the police report. I filed a complaint with the CFPB and attached a copy of the report and got a response from a XXXX XXXX. He requested for me to fill out their identity form which I did and returned to him by email. I contacted today their customer service number because today is the fourth business day in which they have to block the fraudulent information per my police report. They are denying me my right and telling me that the information is sticking to my file. I explained to them how could this be legal and they are telling me that is what is going to be and I can file a rebuttal. This can be considered a rebuttal through the CFPB portal. This is not legal and I need this matter resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I was contacted by IQ Data, a specifically XXXX, whom yelled, screamed, threatened me, and refused to accept any information that would prove that I dont owe them, or Country Lake Apartments any money. 
I am enclosing a letter from Country Lake Apartments themselves saying I owe them NO money. I would like this to be removed from my credit report. As well as I would like XXXX and IQ Data to answer for the harassment bullying behaviors and attempts to illegally extort money from me, when clearly none is owed. 
I would like an investigation opened into this and their criminal behavior. As well as it removed from my credit report. Please, and thank you.