23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was de-escrowed in XXXX 2014. I chose to pay my taxes and insurance on my own due to previous problems with Ocwen. I paid my homeowners when it was due. Even though my escrow was closed and had a XXXX bal they paid it too. They show a negative balance in my escrow for the payment they made. The insurance company refunded them their payment and they have not credited it to my account to remove the negative balance. Faxed them the info several times they refuse to understand and have raised myinterest and principal payment to get their XXXX back and they already got it back from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter asking to investigate the following XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
also to remove a an accurate address listed on report XXXX XXXX XXXX XXXX IL, XXXX I Also sent another letter on XX/XX/XXXX with no response from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d.

- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX  bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is illegal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18. 
( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.
Product: Student loan

Since XX/XX/XXXX, I have had my auto-debit for my loan account to include the full scheduled payment and an additional {$500.00} solely dedicated to a higher-interest GradPlus loan. Since this time, I have recertified for IBR. The first auto-debit after the new base payments began, XXXX still deducted the additional {$500.00}, but attributed it amongst all of my loans rather than the assigned loan. This WAS corrected by them after a lengthy phone call to correct the matter, but there is no guarantee that I wasnt charged undue interest or that the other loan balances were adequately readjusted either. XXXX attributed the issue to a system upgrade error that they knew of when IBR accounts recertified. 

I have not had issues since the corrected issue in approximately XXXX until my XX/XX/XXXX payment, where the base payment and additional {$500.00} were auto-debited and the additional {$500.00} again distributed to every loan except the one it is scheduled for. There has been no change in loan status, no change in payment amounts, etc. It is inexcusable that I must continually monitor their activity to ensure this THEFT stops occurring, and it is THEFT. It is financial THEFT in the extra interest charged on a higher loan not being attributed its payment appropriately and it is THEFT of my time, which must be spent to correct.
Product: Credit reporting

I have disputed these items for years and have filed with the FTC in XX/XX/XXXX and have also filed XXXX police reports since then and the companies refuse to remove and tell me that they have founded the accounts to be mine. They sent me statements after statements but I explained to them that they are not mine. I asked for a signature and they still have not sent me proof of signature or something concrete to prove the reason why they are insisting they are mine. The rest of the debtors have released the debt from my file but XXXX, XXXX, and XXXX XXXX ( comenity bank ) still persists.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX NEW LOAN OF {$40000.00} WITH LOANME XXXX XXXX XXXX XXXX XXXX, CA XXXX PAYMENTS XXXX DUE ON THE XXXX OF EACH MONTH XXXX MADE A PRINCIPAL ONLY PAYMENT OF {$1000.00}. 
ACCOUNT STATES XXXX PAID TO PRINCIPAL AND XXXX PAID TO INTEREST. 
MADE SEVERAL CALLS TO COMPANY TO FIX THIS ISSUE AND ADJUST ACCOUNT BALANCE. 
XXXX TRANACTION REVERSED AND PAYMENT POSTED CORRECTLY TO PRINCIPAL. 
XX/XX/XXXX XXXX XXXX {$2000.00}. PRINCIPAL PAYMENT OF WHICH XXXX POSTED TO PRINCIPAL AND XXXX POSTED TO INTEREST. AFTER SEVERAL ATTEMPTS TO DISCUSS WITH SOMEONE WHOSE WAS ABLE TO FIX IT. ALL CALLS RESULTED IN A SUPPOSED CALL BACK WHICH NEVER HAPPENED. ASKED TO TALK TO SUPERVISOR, NONE AVAILABLE. 
XXXX SPOKE WITH A XXXX XXXX WHO SUBMITTED A TICKET TO FIX THE PAYMENT. SAID IT SHOULD BE CORRECTED IN A DAY OR XXXX. 
MADE NUMEROUS CALLS TO FOLLOW UP. STILL NO CHANGE TO ACCOUNT. 
WAS TOLD I WOULD RECEIVE CALL FROM XXXX ON FRIDAY XX/XX/XXXX. 
XX/XX/XXXX LEFT ANOTHER MESSAGE. 
SENT SEVERAL EMAILS. NO RESPONSE TO ANY. 
XX/XX/XXXX SPOKE WITH XXXX XXXX AND WAS TOLD THAT PRINCIPAL PAYMENTS ARE NOT ALLOWED. WAS TOLD TO FILE A COMPLAINT WITH CUSTOMER SERVICE ONLINE. 
XXXX SENT EMAIL TO CUSTOMER SERVICE ONLINE. EMAIL RETURNED UNDELIVERABLE. 
LINK ON WEBSITE DOES NOT WORK. 
XX/XX/XXXX CANCELLED ANY AND ALL ELECTRONIC TRANSACTIONS WITH LOANME THROUGH OUR BANK UNTIL RESOLVED.
Product: Checking or savings account

They would withdraw the biggest pending amount first before withdrawing then in order of transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.
Product: Checking or savings account

I discovered unauthorized charges on my account in XXXX, reported them promptly, and while I appreciate the initial efforts made by the bank, I am still facing a significant loss of approximately {$1000.00}. 

I understand that an investigation was conducted, and some funds were reimbursed. However, my subsequent claim, followed by an appeal, was denied, citing that the charges were not considered fraudulent as the card was in my possession during the period of unauthorized transactions. 

This reasoning seems perplexing to me, as the mere possession of the card does not negate the fact that these charges were unauthorized and unknown to me until XXXX. It challenges the essence of security and trust that customers place in their banking institutions. I am struggling to comprehend how, despite acknowledging the charges are not mine, they are not being treated as fraudulent. 

Additionally, I would like to draw your attention to the nature of the charges themselves. The names associated with these transactions, such as " XXXX '' and " XXXX '' appear highly suspicious and do not resemble legitimate businesses. It is evident that these entities are not genuine, and the frequency and magnitude of the charges further underscore their fraudulent nature. As a responsible account holder, I assure you that I would never knowingly engage in transactions with such obscure entities, and it is disheartening to see these charges dismissed as legitimate. Your reconsideration of this aspect would greatly contribute to a fair resolution of this matter. 

As a college student, every dollar is crucial to my ability to afford education. The financial strain resulting from these unauthorized charges is impacting my academic pursuits. I urge you to consider the gravity of my situation and the vital role these funds play in my ability to continue my education seamlessly. 

I have exhausted all internal avenues with the bank, and regrettably, my appeals for a fair resolution have been unsuccessful. At this point, I am left with no choice but to inform you that if my funds are not fully restored promptly, I will be compelled to file a police report regarding this matter. It is disheartening to resort to such measures, but I believe it is my only option to seek justice and recover the funds rightfully mine. 

I kindly request your urgent attention and a thorough reconsideration of my case. Your assistance in rectifying this matter promptly will not only alleviate my financial burden but also reinforce my trust in the bank.
Product: Mortgage

As of XX/XX/2023, My loan with R P Funding is now 3 months behind. Over two months ago, the state has granted home owners an approved grant to help catch up late payments. I applied and was approved to have allocated {$1700.00} towards my delinquent payments. The social Services of XXXX XXXX has reached out to the Loss Mitigation Department of R P Funding Lending of XXXX, Florida requesting a immediate response as they have held my case open for an extended times with efforts to help all qualified applicants. To advocate more for my account, I too have asked by calling over 5 times, I have reinforced the documents by fax over 3 times, I have emailed the documents request forms and additional two times to the Loss mitigation department. It is now three months sense we have requested the response of signed I-9 documents for the IRS and they again will not reply to our request. We have been told twice that they were exulting the forms to return two months ago. First they never did admit to receiving the documents. Then once they said they have accepted them four weeks later, loss mitigation representatives states they have 5 days to respond. We have yet to get the forms signed and delivered in order for the social services of XXXX XXXX to submit payments. 
They are restraining me from my constitutional rights to receive their cooperation when having a third party to pay off or on my debt to them. 
I am asking that the government jump in to help me in resolution with this company. 
I also am not sure if I need to complain to the Federal Housing Agency but I don't see why not? Please contact me for further counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


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

I request the immediate removal of any other personal identifiers that are not exactly as stated above. If you continue to report information that is not in full compliance with the mandatory procedures for lawful reporting, I demand that you provide irrefutable proof of the accuracy of these claims and the processes followed in reporting them. 
I assert my legal right to have only accurate, current, and fully verified information on my credit report. Therefore, I am requesting that you delete all data related to the XXXX XXXX and XXXX XXXX XXXX XXXX accounts that do not meet these standards. 
Please send me physical documentation that confirms your compliance with all reporting requirements. If you can not provide this proof, I demand the immediate deletion of the above-mentioned items from my credit report. 
According to 15 U.S.C 1681e, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, 12 CFR Part 1022 ( Regulation V ) requires that furnishers : Furnish information with integrity.

Ensure the accuracy of the information.

Conduct reasonable investigations of consumer disputes.

Metro 2 compliance standards must be followed to ensure data integrity. Any deviations from these standards compromise the accuracy of the reported data, which is a violation of my consumer rights.

I challenge you to prove that the reported information regarding the XXXX XXXX and XXXX XXXX XXXX XXXX accounts has been lawfully and accurately reported. If you can not do so, I demand that you remove these items immediately. 
Failure to address this matter properly will compel me to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given any of the following companies ' permission to access my credit report in any capacity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, 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 have 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. 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 or other personal consumer reports

The credit bureaus XXXX XXXX and Transuion are reporting items on my credit report due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, TransUnion, and XXXX. XXXX  has blocked this incorrect reporting, but XXXX  and Transunion continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.
Product: Debt collection

judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in 2009 when economy tanked and consumer was laid off for 2 years. I have paid {$2100.00} and have the money order receipts for these payments XXXX XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and XXXX and XXXX wanted to go overall of that on the phone. Barclays charged this account off but is still reporting on my credit. I called Barclays and they can not give me any information because the account was sold. XXXX and XXXX say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. XXXX and XXXX filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in 3 years
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle with Bridgecrest and made the first payment on XX/XX/XXXX. Unfortunately, on XX/XX/XXXX I had to file bankruptcy to stop a debt from an ex-husband. All of my bills were paid on time and I had not missed any payments, the filing was simply to stop a tax debt that was not mine. When I filed, I notified Bridgecrest to let them know that I would be reaffirming the loan, however an employee name XXXX XXXX contacted me to inform me that even though I would be continuing to pay for the vehicle, they would no longer report the payments ( I was willing to live with that ), and also that they would be REMOVING the account completely from my credit file. This I DO NOT AGREE WITH. Other than for punitive purposes, there is no reason to remove an account from anyone 's credit report. This is a form of " Re-aging '' and I believe it's illegal. I spoke to another employee there who stated that reporting was voluntary, and that's fine, however, once a company decides to report that account has to remain with accurate information. My other accounts remained but reflected the bankruptcy status. I even mentioned this to the bankruptcy trustee and even he stated that he had never heard of such a thing. I paid that account on time until the surrender and I want that account put back on my credit for it has re-aged my credit reports by its removal. That account was opened in XX/XX/XXXX and the credit file that it was removed from states that my oldest account is only 8 months old. This has in essence re-aged my credit report. At the time that Ms. XXXX informed me of there unscrupulous policy, I had her email a copy of my payment history for my records and for proof. Please let me know what documentation you need as this is in direct violation of the FCRA. I am trying to resolve this issue through this method however, I am prepared to take Bridgecrest to court as it has caused some financial hardships with having to pay higher interest rates because with this account being removed from my file, it appeared that I had not financed a car prior. I also have two finance managers from two well-known dealerships that are willing to make a statement and/or testify if I have to take this to court verifying the above statement. The original contract date was XX/XX/XXXX. Reaffirmation amount was to be {$18000.00}. Bankruptcy case number is : XXXX
Product: Credit card

On XX/XX/2024 I received a " Card Approval Notification '' e-mail and then a " Fraudulent Email Alert '' e-mail from Synchrony Bank the Credit Card company for my Sam 's Credit Card. Apparently, someone was able to get online and change my Home Address and Phone Number in that account. Then they were able to get a card sent to them and used it after activating it the same day. I called Synchrony Bank to get this resolved and they had to verify my identity using some phone app because the thieves had replaced my home address and phone number with theirs. Upon, trying to make this app work I had to take pic of my GA Drivers Lic. The front one worked fine but when I was taking the back one I tried XXXX times and even had my wife verify I was doing it correctly the last XXXX times and it rejected my image. So, I have to wait XXXX biz days to get a code to verify myself only problem is they never asked me for my actual mailing address so they will be sending that code to the actual thieves. I asked HOW this could have happened? How did someone hack my account and change that information? I received NO answer and now I am looking at trying to fix this.
Product: Debt collection

I C System has placed me under collections for an account that I have no knowledge of. 
I am requesting a formal letter be sent to my address at the very minimum including an original invoice, description of charges and anything else relative to this case that supportd my alleged debt. I have had a lifestorage unit in the past, nearly 1 year ago but have opted to sell all of the belongings in the unit in order to cover that months lease payment and closed my account with them at a {$0.00} balance.