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

This is the several time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

hello credit card dispute - tdbank credit card # XXXX Amount {$27.00} company XXXX date of charge XX/XX/XXXX i received product XX/XX/XXXX or so and tried to contact the company as product was defective not as shown and did not work as shown could not contact and no reply for email. Merchand website no longer there .could not mail back the product as from address was not complete and it was from XXXX . So contacted tdbank on XX/XX/XXXX and dispute the amount. said they will send paper work but did not get any. said do not pay the dispute amount. again i called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and so on and each time they said they will reopen as case closed and when asked to speak with supervisor or manager, not available will call back today and get a call 3 days later. finally i received the paperwork on XX/XX/XXXX and i faxed it to tdbank XX/XX/XXXX. why cant they take a scanned email copy so i have proof of receipt? today i got a phone call saying the dispute is closed and i have to work with the merchant? why? i already tried so why cant the credit card company take care as promised? 
please help attaching the dispute and credit card transaction thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Synchrony Bank is contacting me regarding an alleged debt that I am currently disputing its validity. They are calling repeatedly multiple times a day on several phone numbers that they have registered. On XX/XX/year> I have requested a cease and desist of all communication and yet I am still receiving multiple calls per day from an automated calling system. Even when I answer the the phone it is simply a message requesting me to contact them. 

Upon contacting Synchrony I am speaking with call center representatives in XXXX who simply refuse to properly address the concern that I am having. I am constant receiving calls from ( XXXX ) XXXX and need this to stop immediately. 

I am also looking to file a lawsuit regarding the repeated calls despite the fact that I have requested a cease and desist order on two separate occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My complaint involves my mortgage servicer 's rejection of a principal reduction payment, after several years of accepting such payments. My loan servicing was transferred to Seterus a few years ago. I have a loan modification where my interest payments are escalating to a maximum of 5 %. Under the modification agreement I recently received a credit of {$5000.00} for making timely payments. Seterus subsequently offered to recast my loan ( crediting the {$5000.00} to reduce the principal of the portion of my loan that is subject to interest charges - I have an additional loaned amount where the interest is currently deferred ). I accepted the recast offer. For the last few years I have routinely paid Seterus extra each month, to reduce the principal of my mortgage loan that 's subject to interest charges. These added payments have been accepted and show on my past statement as " principal reduction payments. '' So I was very surprised when I received my XXXX 2017 statement, to see that while I was credited with a {$49.00} principal reduction on XXXX XXXX, 2017 ( made as an addition to my due XXXXX 2017 mortgage payment ), Seterus then reversed that added payment on XXXX XXXX, 2017. The statement was accompanied by a sheet titled, " Explanation for Holding Payments in a Suspense Account. '' That sheet does not refer to principal reduction payments, and its language implies they are holding my principal reduction payment to apply toward my next mortgage payment. ( I had already sent them my XXX 2017 payment before receipt of the statement, consisting of due payment in full plus an additional principal reduction payment. ) This is the first time my principal reduction payment has been reversed. I do n't understand why I can no longer make added payments to reduce principal. I have been unable to reach Seterus customer service by phone after attempting to do so a dozen times. I then sent an email to their email address as listed on my statement, and it bounced back as not being accepted by their server, even though the address is correct. Can you help me get this straightened out?
Product: Credit reporting or other personal consumer reports

Dear Experian : Im responding to the verified no-change letter you sent me for collection account.

1. This account was PAID as AGREED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. This account PAID and AGREED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I made a purchase on XXXX and Ive selected the affirm payment plan option to buy the item, when the item arrived it did not meet my expectations and return it within the a day of the purchase, I contacted affirm and they suggested that I should still pay the loan while the refund and return settle, i finished paying the loan in full and I contacted affirm to get my refund, they keep telling me same thing over and over that I needed a case number which they provided but every time Ill call Ill get a different XXXX, they requested documentation which I sent to affirm, they stated that they never received confirmation from XXXX regarding the return and refund, so I contacted XXXX and requested a letter from them which states that they did in fact sent a refund to affirm, its been 3 months already and Im still not getting my refund when I have provided affirm documents that state return completed, refund issued and a letter that they have sent the refund information to affirm, this is a step closer for me to get my issue resolve before I seek legal advice, I dont think a company should be taking advantage of consumers this way this is plain sight scam they are known for doing bad business practice specially with money returns.
Product: Money transfer, virtual currency, or money service

The CFPB is the biggest waste of taxpayers dollars as it is anything but Consumer Protection. This organization believed a pack of lies from Bank of America on my complaint. Refer to my complaint with Bank of America on your idiotic site. I was defrauded and taken advantage of as a Senior Citizen by a greedy Bank of America employee on the pretext of assisting me. I have a witness as well as a voicemail of admittance on my phone from the Bank of America employee that defrauded me yet the CFPB sides with Bank of America? Shame on you and I hope something such as this scam happens to a CFPB employee. This organization is a disgrace to the American Public. I challenge this organization to publish this complaint as surely it will not be.
Product: Bank account or service

Bank of America account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They continue to call me after I have told them it is not my account. It has been removed from my credit file multiple times.
Product: Debt collection

On XX/XX/2018 I received a notification on a couple of sites called XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX informing me that a company by the name of Diversified Consultants had place a collection in the amount of {$2100.00} on my credit report without notifying me in writing that I owe the money which they didn't and notify me of my rights to dispute this debt they say I owe which they didn't either and it wasn't within a certain amount of time. I don't know this collection agency and I would like this to be removed from all 3 credit reports which are XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report from XXXX XXXX acct # XXXX that was disputed in XX/XX/2017.. It was removed and about 1 month later it was reinserted without my knowledge.. I called Equifax to see why it was reinserted without my knowledge and that I wanted it deleted because they didnt notify me no later than 5 business days after the reinsertion ... The account was never deleted.. On XX/XX/2017 I sent Equifax a 5 day reinsertion letter and I still didnt get a response.. below you will find an attachment of the letter I sent Equifax..
Product: Debt collection

I had an original Auto Repair Loan paid off with XXXX XXXX that came directly out of my account that was paid off on XX/XX/2022. The original amount of the loan was {$500.00}. The company called numerous times using the telephone number ( XXXX ) XXXX. I tried on several occasions to call the number back but it said it was nonexistent. Upon further investigation, I found the website which is under XXXX XXXX but the letters sent to my address are under Universal Account Servicing , LLC XXXX XXXX XXXX XXXX, XXXX  XXXX. In previous phone call, a rep told me they bought delinquent accounts from XXXX XXXX, however I received a letter from XXXX XXXX notifying me my account was paid in full. I have sent the information to XXXX XXXX XXXX Account Services via email and their online portal. They still continue to report that I owe {$120.00} and I am 90 days past due which affects my credit. I called today and the rep informed me they had to contact XXXX XXXX and I told him that did not make sense because they purchased the so called debt from them. He placed me on hold and returned and told me they had to contact the bank to verify and I told him that did not make sense because I sent paperwork via XXXX website with confirmation my account was paid in full on XX/XX/2022. When I told the rep I was recording all correspondences, in other words documenting each call along with paperwork because I felt the company fraudulently obtain my information and decided to charge me for money not owed, the rep immediately told me because I was recording he had to immediately disconnect the call. This company is a scam!!!!
Product: Checking or savings account

A couple of weeks ago ; Bank refuses to honor old English birth-given name & surname during visit to a branch and during phone call staff stated my account was on a restriction after bank updated account with a change of Information form to include birth-given name and surname of US ID with matching signatures. During phone call staff stated they were going to cancel account. I went to branch for a bank card and the staff said my account was on restriction than told me to call number and talk to security and they were not helpful. I write to remove restriction idea/intimidation and use/confirm debt deferred line of credit with bank checking and savings accounts and receive a debit card. Also an error on statement of account ; a ending balance without visible debit I assume the line of credit is to great to cite ; I cite you in behalf of staff_clerk confusion ; they may have translated it as a restriction.
Product: Debt collection

I have asked this company to investigate the person or business entity that was responsible for this bill that they are allegedly stating that I owe. I have attached the document 's that were sent to me and these do not show that the checks were being paid by the state of Mississippi. I asked them to get canceled checks and to send me a signed copy of all document 's and the attached document 's do not show my signature on anything nor is the contract that they signed with the actual debtor. This is FRAUD and I want this matter to go away and this isn't my responsibility. The bill that they are attempting to collect is the responsibility of the State of Mississippi or HUD. This was a account back in XXXX and that particular entity in the government that was paying my rent is no longer in operations so i can't get any records or any information on the the payment 's that were being paid. I am requesting that Procollect investigate the full extent of who is responsible by getting canceled checks that will show that they came from the State Of Mississippi and this debt is not my responsibility. This company is deliberately holding this bill against me to destroy my lively hood for corporate greed. I spoke with these people over the phone and they told me that this was gon na remain and that I owe this money. This is not the correct amount that is owed because they added XXXX to the bill and that's illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION HAS NOW TAKEN OVER 60 DAYS TO RESPOND TO MY CLAIM AND HAS NOT DELETED DEMANDED ACCOUNTS REQUESTED UNDER 15 USC 1681a ( 2 ) ( I ) -EXCLUSIONS-. TRANSUNION IS VIOLATION UNDER THE FCRA 15 USC 1681i and 15 USC 1681a ( 2 ) ( i ). TRANSUNION IS REPORTING CHARGED OFF DEBT ON MY CONSUMER ACCOUNT WICH IS DEFINED AS INCOME BY THE I.R.S IS NOW IN VIOLATION UNDER THE FTC DEFINITION OF DEBT PARKING AND I.R.S DEFINITION OF CHARGED OFF INCOME REPORTING INCOME ON MY CONSUMER REPORT. TRANSUNION HAS NOT FILED A FORM! 099C NOR HAS SENT TO ME A 1099C FOR REPORTING CHARGED OFF DEBT AS INCOME AS WELL NOT FILING PROPER TAX FORMS FOR IT. IF THESE ACCOUNTS ARE NOT REMOVED IMMIDIATELY I WILL BE FORCED TO FILE A I.R.S 3949a FORM AND A I.R.S 211 FORM AGAINST TRANSUNION AND ESCALTE MATTERS
Product: Payday loan, title loan, or personal loan

I don't have the exact date, but around XX/XX/2020, I personally hand delivered a written notification to Check Into Cash at XXXX XXXX XXXX, XXXX XXXX and XXXX I handed it to a male who worked there and advised him that several months earlier I had already verbally requested the business to stop all ACH payments coming out of my checking account. I was now giving them this notification in writing. I had been told several times by this same male and others that to stop an ACH payment was simply a courtesy, that it wasn't mandatory. After I researched the law and saw that I definitely could stop the ACH payments, I then delivered the written notice and told him that he and others had lied to me about me having the right to stop all ACH drafts. This time, since he knew I had researched the law, he agree with me and said he didn't remember telling me that. He agreed that I had the absolute right to stop them. I gave him the notice and left the business. On or about XX/XX/XXXX or XXXX, I put a stop payment on my account just in case Check into Cash continued after my giving them the written notification. On XX/XX/2020, I checked my mobile bank account and noticed that Check into Cash had attempted to withdraw {$1000.00} from my account. I called my back to make sure the stop payment was in effect. I was told it was, and on XX/XX/2020 the money was put back in my account due to the stop payment. My complaint is that first of all, they told me more than once they were just providing me a courtesy by suspending ACH payments, and two, after me giving written notification to permanently stop all ACH payments, on XX/XX/XXXX, had the audacity to try it again against my will and without my consent.
Product: Mortgage

I paid my mortgage in full on XX/XX/2022 via wire transfer. Cardinal Financial confirmed payment in full. However Cardinal has not released the lien on my property. Washington State requires mortgages to be released within 60 days. XXXX XXXX When contacting Cardinal ( also known as XXXX and XXXX ) they claim they need more time to complete the release.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have made late payments before with the following companies below : - XXXX  XXXX ( Vehicle Loan ) - XXXX XXXXXXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, XXXX years early ( XX/XX/2022 ). 

With XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Product: Checking or savings account

I have tried to wire money domestically to a crptocurrency exchange site, Chase bank denied the transfer. When I tried to show the Chase representative the legitimacy of the exchange site, how I have transferred money between my crypto wallet and my Chase account twice recently without any problem. When I tried to access my online account to give the rep the dates, I discovered that my checking account has been locked out by Chase. The rep told me to wait while she tries to find out. My call was apparently escalated after a long hold, and the next person told me the same thing that they have denied the wire. Before I could come up with any alternate plan, I was informed that they have decided that I am high risk and that they are closing my account and will mail me my balance via a cashier 's check up to 10 business days. When I told the rep that I have bills to pay and I have no cash on hand since I wasn't prepared for their decision For the Chase bank to expedite the clising and overnight the cashier 's check overnight so that I can open another bank account to pay bills. The rep informed me that I can expedite the process by going to a Chase branch for the branch manager to overwrite the hold and give me my funds with a cashier 's check today. I went to the branch and the manager called someone, and told the person on the phone that " you guys need to quit sending people yo the branch when you know I can overwrite anything '', and placed me on the phone. The rep on the phone again acknowledged that I have not done anything wrong but they have the right to hold my money up to 10 business days for their own " research '', and that it is up to me to find alternate funds for my daily living expenses. The rep offered no solution but refused to return the money today or any attempt to expedite the process. I asked to close the account today and get my money out today. Again, the rep refused to unlock my account, refused to close the account today, refused to return my money today, refused to release any amount of money for my living expenses for the next 10 days, refused to expedite the process, and that it is required by law for them to do so. He suggested that I can try to call every day but will be told the same thing.