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

On XX/XX/XXXX I transferred by XXXX XXXX XXXX XXXX and XXXX XXXX balances to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Experian letting them know the balance on my XXXX  card was incorrect. XX/XX/XXXX I received an email from Experian that after their investigation they would not change the information. As a result of the fraudulent information my credit score decreased due to the utilization.
Product: Credit card or prepaid card

I was affected by Hurricane Irma, forced to evacuate the area XXXX XXXX XXXX XXXX XXXX FL where I lived and my home was not livable afterwards. Fema paid for a month of hotel stays but I had no options besides moving to TN on XX/XX/XXXX with family because the repairs and damages were just too much. I had XXXX credit card accounts with Capital one. My last payment on account ending in XXXX was for XXXX on XX/XX/XXXX prior to the hurricane. The account ending in XXXX was also paid the same day in the amount of XXXX. We evacuated XX/XX/XXXX. Not having enough resources to rebuild, I had to leave my residence and moved to TN to start all over. I called Capital one in XXXX once I was mentally stable enough and situated in TN. The refused to give me a break on the XXXX late fees that occured on both accounts ( XXXX late fees adding up to XXXX all together ) The only option they would give me would be for me to make half the payment ( on each ) and then agree to another payment XXXX or XXXX weeks later! They dont offer account protection services, otherwise I wouldve enrolled to protect myself like I did with my other credit companies. When I lost my job due to company shut down XX/XX/XXXX they didn't give me ANY options at that time either so I ended up making payments to them with the little income of XXXX a month from Unemployment! Try living off that as a single mother with XXXX kids until I was able to find employment and still continue to pay Capital One 's Tough Army! Now of course after experiencing a tremendous loss from the hurricane, my XXXX kids and I having to stay in Fema approved hotels for a month and then having no choice but to leave my home state and depend on family to help me until I got back on my feet, undoubtedably, it took a couple months to start recieving sufficient income to get caught up on things. I have called different times hoping to get a different result from a different person and they would never offer me anything other than a payment plan that was unfeasible to get caught up. And if it took a month or 2 to get caught up, they still would add the late fees each and every month which would make it impossible to get caught up! These accounts prior to the natural distaster were at their limit.-one for {$1400.00} which is reporting on their website as totalling out to XXXX at this point!! And the other limit of XXXX reporting at XXXX! Despite being informed of my situation they continued to call and call my phone until I could no longer afford my phone bill and they had no way of contacting me. Thats how destitute I was after this misfortune happened!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've filed multiple CFPB complaints against Equifax for reinserting over and over the same erroneous " XXXX '' inquiry ( see provided attachment ) back on my credit report. Not only did Equifax reinsert this fraudulent information, they reinserted the inquiry three ( 3 ) times as shown in the one attachment. When Equifax removes information per a complaint it takes only a few months for the same erroneous information to show back up despite multiple CFPB complaints and removals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has lowered my credit score..CFPB please step up and remove the error
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise Credit obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.
Product: Checking or savings account

On XX/XX/23 an unauthorized charge of XXXX was made by a company listed as XXXX  XXXX they say it was an ach payment. I don't know who this is and no one has access to my account. I contacted the dispute office of the card and they told me it would take anywhere from XXXX to XXXX weeks to investigate. I received a letter from them stating that they would not be issuing a credit back to my account. If I wanted to discuss this further they said that I could write them at a XXXX XXXX XXXX I have unsuccessfully tried to find XXXX  XXXX  contact information to hear what they say was purchased.
Product: Prepaid card

I received a pre-paid Amex gift card on XX/XX/XXXX for {$100.00}. I tried to use the gift card online and in person at two different vendors- XXXX XXXX on XX/XX/XXXX ( on line ) and on XX/XX/XXXX ( in person ) and XXXX XXXX on XX/XX/XXXX ( on line ) - both of which say they accept Amex as a form of payment. I ensured the purchase amounts did not exceed the remaining balance on the card. Each time I tried to use the card, I received a declination message from the vendor, and a {$0.00} transaction fee charged to the card. Amex website now shows the active card balance of {$99.00} as a result of these transaction fees. 

I called Amex customer service, and the representative stated these two vendors do not accept Amex gift cards at this time, which is not in line with the vendor policy of accepting Amex as a form of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit report. This is impacting my life and score.
Product: Mortgage

Huntington bank has not released a paid off lien on my house from 2009. The verification of mortgage satisfaction was never filed at XXXX count records. This is preventing me from refinancing my current loan from XXXX XXXX  to XXXX XXXX. I need your help to get Huntington to create a Mortgage lien release and file it with XXXX County in XXXX PA. I have emailed and faxed Huntington and all they say is " Paid Real Estate has received your request, our service level is 15 business days. A Title search will need to be supplied, the customers name, account number if known, and address for release. If the loan is an old merger/acquisition loan you MUST provide proof of payoff before the release can be prepared. Requests are completed in the order received ; if you don't receive a response to your inquiry within 15 business days please send a follow up email marked " Urgent ''. Only send the Urgent email after the 15 business days have been exceeded ''. 

This is what I sent them : Hi can you please send me a Leon release letter for my hose loan that was paid off 7 years ago? 

Im trying to refinance and my verification of mortgage satisfaction was never filed at XXXX count records.Please send me this verification and file the release with XXXX county. Please call me if you have any questions. Please do this today so I can close on my house. 

I suspect they are short staffed, improperly trained or inadequate automation. Please help me. Thank you XXXX XXXX XXXX XXXX XXXX, XXXX PA. XXXX. Cell XXXX.
Product: Money transfer, virtual currency, or money service

After a successful purchase from the buyer who bought my phone, paypal held my funds for three anxious days after that it said I could transfer my funds but as soon as I try to do it they limit my account and said they needed more information after providing the correct information .PayPal just decides to ban my account for no particular reason now I can't get my funds and they leave me here confused and a bit worried. Do your best you can to help. Thank you!
Product: Mortgage

On XX/XX/XXXX or XX/XX/XXXX I stopped into the Chase Bank location at XXXX XXXX XXXX, XXXX TX XXXX and spoke with XXXX XXXX ( sp? ) about cancelling PMI on my mortgage. She wasn't sure of the process and called into customer service. She was told and relayed to me that all I needed to do was to pay down the balance on the mortgage to less than 80 % and actually wrote down on a sticky note the amount I needed to pay. On XX/XX/XXXX, I made a payment of approximately {$13000.00} to bring the balance of the loan just under the 80 % requirement. I called Chase and they said that now I had to have a BPO done in order to verify the value of the home. I told them that is not what I was originally told and that I wanted my money back then. They decided after a few days of my case being escalated that Chase would pay for the BPO. I said fine and when the BPO came back, I was told that the home has increased in value from the purchase price of $ XXXX to $ XXXX. Had I just had the BPO done, I would have been over 20 % equity and should not have had to make the payment of {$13000.00} towards my principal balance as it was not needed. Now Chase is refusing to refund me the money. Please help me get my money back as I would have never paid down the principal balance if I knew that they were going to require a BPO as part of the process.
Product: Credit reporting or other personal consumer reports

My info was bought and sold illegally, because i was a victim of the data breach for equafax, i want these items deleted from my credit report effective immediatly, i am attaching proof that equafax has admitted that is was in fact a victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports, i am sending all the names of the accounts and the account numbers. i am also attaching proof.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> **Cavalry Portfolio Services** Attn : Customer Care XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX **Re : Account No. Unknown XXXX last four social. 

To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately. 

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ).

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) 1345.01 if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. 1692k ).

- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**.

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased. 
- **Cease credit bureau reporting** unless legally required.

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 confideniality under 15 U.S.C 1681. 

Account name : 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 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 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. 

XXXX is re-aging the debt which is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with both Equifax and XXXX. 
I have been trying, unsuccessfully to get my name corrected. I have contact both more than once. 

Each needed personal information. Which I sent. 
All I have been trying to do is remove the middle initial " XXXX  '' from my name. I do NOT have a middle name. 

XXXX - did NOT address my issue, but instead sent me a copy of my credit report. 

Equifax required that I send via USPS, a copy of my drivers license, social security card, and recent utility bill, which I did about 2 months ago. They say they never recieved it. 
So now, my vital personal information is floating around out there in someone elses hands. Someone can now use that information to steal my identity, because they have no secure online way of me sending my information via email or on a secure website. 
I filed a complaint about this with them - no reply. 

Both agencies are next to impossible to deal with, let alone get information corrected. 

What can I do?
Product: Debt collection

Hello, I am currently receiving requests for wage garnishment from a debt collector for an additional amount that they were not awarded by my local court system. They have been overpaid for the amount that was awarded and actually owe me over {$500.00}. 

I have contacted the company that the original debt was with and it has been satisfied. I have repeatedly requested receipts for my payments from the debt collector and have never received XXXX. I have paid everything through my debit account so I know how much I have paid. I have requested a copy of my account showing where I owe additional money and they have never produced any documents. When I asked what the additional charge was for I was told that it was for " legal fees '', which were not awarded in the lawsuit. I said no you were not awarded legal fees and so they changed their story to " cover the interest on the account ''. They were not awarded any interest either and it is very clear in the judgement. 

So they have been trying to receive payment for items that were not awarded and they can not produce any documentation showing where I owe any additional amount. When I have spoke with their phone personnel no XXXX can answer as to what the charges are for? 

They owe me a refund which I want, I can produce the documentation showing what I have over paid. I 'm tired and frustrated that I have had to deal with these people and they seem to feel they can do whatever they please. I never denied having a debt and had made arrangements to pay the debt before going to court, However, the collection company refused to accept payments from the debt consolidation company that I hired. 

Last year I filed a complaint with the Consumer Financial Protection Bureau regarding the amount I owed and they contacted the original lender and an adjustment/credit was made to the account. I thought that everything was straightened out, and for the most part it was. But now I have this lingering problem that I need guidance in handling.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are all in violation of the Fair Credit Reporting Act and Privacy Act of 1974. Willful Non Compliance can easily be proven as I have made numerous amounts of complaints both with the company and the CFPB. Every corporation furnished on my consumer report owes me by law a Privacy Notice before they are allowed to furnish any information on my consumer report 12 CFR 1016.3, I dont hold any Privacy Notice for any of the corporations I am seeing furnished on my consumer report thats a violation and inaccurate furnishing, Also according to the fair credit Act USC 1681 section 602 a states there is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Transunion, XXXX and XXXX are consumer reporting agencies an I am the Consumer. Its my right to make sure my private information isnt shared which is backed by 15 USC 6801 policy of the Congress.15 USC 604 a section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and No other. In accordance with the written instructions of the consumer to whom it relates. The financial institution and the consumer reporting agencies Transunion XXXX and XXXX do not have my consent to furnish information and they do not have my written consent. Any all consent to Transunion XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is Revoked. 15 USC 6802 ( b ) ( c ) Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

We were sent a loan estimate by CLM Mortage ( XX/XX/22 ) that had a reduced sale price of our home by $ XXXX we called to verify and were told it was correct. Now XXXX weeks later they sent us a new loan estimate for the original price ( $ XXXX ) and when we asked they said they mixed us up with other customers who had the same last name and that reduced price was not correct.
Product: Debt collection

I first received a letter from Clear Spring Loan Services , Inc. in XXXX of 2017, their letter which is attached was dated XX/XX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XX/XX/2017, which clearly shows they totally ignored my letter which they received on XX/XX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking Clear Spring Loan Services , Inc. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able tomake any communication on my credit reports. Clear Spring Loan Services , Inc. is also violating the  FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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: Credit reporting or other personal consumer reports

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 I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

Bought a Dell laptop on XX/XX/year> cost {$3600.00}, opted for DELL preferred account financing to pay off full amount within 24 months. paid monthly installments on time and also paid remaining balanced on time. now dell is saying you paid remaining balanced late by a few days so pay {$820.00} as interest ... .... 
I found it un-ethical. typically agencies reach out to you to remind you pay date is approaching no such email or call was given to me. now Dell has forwarded it to a collection agency and now my credit score is going bad. 
Could you please help me to resolve this. 
I have paid full amount of laptop still interest of over {$820.00} being charged to me.
Product: Debt collection

On XX/XX/2020, I paid off this debt collection invoice in the amount of {$100.00} to Online Information Services, it was reporting past due on all three credit bureaus. After paying my collection in full with the confirmation # of XXXX Initiated a credit dispute on XXXX, XXXX, and XXXX. As of today, this bill has been removed from XXXX, and XXXX, but I received a dispute complete email from XXXX  stating that the Online Information Services company stated that this was valid and that the status was unpaid. This is incorrect and needs to be corrected ASAP. How can it be removed as paid on 2 out of the 3,  yet on XXXX, they reported it as unpaid? I have receipts, and feel as though this has to violate several regulations in the FCRA, FDCPA.