23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent notice offering option to pay online. Input all information but site would not accept payment. Tried 3 times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company XXXX XXXX , XXXX in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of Capital One bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company capital one sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I am concerned about the accuracy and honestys of your companys data. As per FCRA section 611, we must have accurate records on the file with those who rely upon them most, including customers and potential lenders and employers. 


I would appreciate it if you could take care of any names listed incorrectly in your database. My name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any old addresses in your system that varies XXXX XXXX XXXX XXXX North Carolina XXXX. It will ensure the database has accurate information about me.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXXXXXX, 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 reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and WELLS FARGO, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

On XXXX XXXX, 2017, Ditech denied the Home Affordable under the HAMP Program claiming that the 31 % is less or equal to 31 % of the gross income. Pursuant to the XXXX servicing Guide published on XXXX XXXX, 2017, servicers are required to include the monthly payments for all Heloc. Thus, the housing debt ratio must included the following : Principal & interest Taxes & Insurance HOA dues The principal & interest, taxes and insurance included for the fist lien : 1. {$660.00} Second lien ( HELOC 2. {$580.00} HOA dues 3. {$210.00} total Housing expense $ {$1400.00} divided by monthly verified income $ XXXX % The record reveals the the debt to income ratio exceeds the 31 %. Ditech failed to abide by the XXXX servicing guide published XXXX XXXX, 2017. The records reveals i am eligible for the XXXX Program.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

We have an earned cashback reward of {$400.00} in our account. Our credit card company, Synchrony Financial, forfeited this amount by arbitrarily closing our account without us doing anything wrong. Their response to our question is all earned reward cash are forfeited once the account is closed. 

So, our question to Synchrony is : if you want to forfeit your customers ' reward cash, you just simply close their accounts, correct? Their response to this question is yes. 

Our position is, if they want to close our account, that's their prerogative. However, they should not be allowed to forfeit customers ' reward cash which has been earned legitimately, according to agreement. 

If credit card issuers like Synchrony are allowed to do this, then they can rob customers ' cash rewards by simply closing their accounts using some fictitious reasons.
Product: Credit reporting or other personal consumer reports

This is my XXXX request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE XXXX : HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Mortgage

XXXX XXXX Shellpoint Loan # XXXX XXXX XXXX has been working on a short sale since XXXX XXXX. The short sale was approved and then the mortgage servicing transferred from XXXX to Shellpoint. Since Shellpoint 's servicing of the loan, the short sale review has been mishandled. Shellpoint has delayed the review, obtained a value, countered the buyer, then took so long to complete the review that they needed a new value of the property. This cycle has gone on 3 times. We have had numerous buyers walk from this transaction because Shellpoint makes inaccurate and misleading statements and then does not follow through with them. 

Shellpoint completed their most recent appraisal in XXXX XXXX. The appraisal came in at {$360000.00}. The buyer was countered at XXXX. The buyer increased their offer to the full appraised value of XXXX. Since that time, Shellpoint ( XXXX XXXX - SPOC ) has delayed the review, not responded to calls, ignored messages sent from the customer service department, and did not provide reasonable updates on the file. Since we submitted the buyer 's increased offer of XXXX on XXXX, I have been unable to obtain an update on the review. On XXXX/XXXX/XXXX, I was advised that the SPOC XXXX had put a note on the file with a counter of XXXX which is XXXX over appraised value. I can not reach the SPOC 's manager and the escalation line provided on their website directs to the XXXX department. There is not a single person to reach out to or anyone to hold accountable for the review. It is bad business practice to counter the same buyer twice based on the same appraisal. This, again, shows that Shellpoint has no intention of working with their borrower. Extremely misleading.
Product: Credit reporting or other personal consumer reports

This account was paid. Ive contacted Experian, XXXX and XXXX XXXX on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from Experian and XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX - XXXX : {$470.00} Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX on my credit from Capstone and I have provided my marriage certificate and my drivers license to show that my name wasn't XXXX in XXXX. I have been married since XXXX so my old license was destroyed when I changed my name but the collection agency said they are not removing it because it was me The representative that I spoke to was rude and nasty and didnt want to hear anything I had to say when I called to find out how could I have gotten a apt in my maiden name 5 years later when I havent used my maiden name since XXXX. I am sending over this complaint to see if I can get some resolution to my problem. Thanks.
Product: Debt collection

Received a letter about a court hearing. Call the leagel office listed to find out what it was about. 
They said I took out a loan in XXXXXXXX XXXX  XXXX with XXXX XXXX on line. 
My identity has been stolen after a breech of the 3 credit reporting agencies. 
I had credit cards taken out in my name, apparently this loan, several of my bank accounts were also hacked into along with my social security and my unemployment claim. 
I did NOT take this loan out. I was separated from my husband and the divorce was final XX/XX/XXXX. 
It may even be possible that he took out the loan in my name... I honestly don't know. 
I sold my house in XX/XX/XXXX to pay off my bills that I owed. 
I am at a loss as to what to do! 
I had been XXXX since the sale of my home... no money to my name... until XXXX XXXX XXXX when I was able to get a Section 8 housing voucher. 
I have nothing in my name and lost everything I had. XXXX XXXX Sheriff 's Department in XXXX investigated the identity theft and found that a ring in XXXX had stolen my identity. Nothing could be done about it. 
I checked with legal services and was advised not to file bankruptcy because I had nothing for anyone to come after me for payment of things that were not mine.
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/2020 my BOA unemployment benefit card was declined. I believe the account was closed due to a fraud claim I submitted and BOA rejected the claim and closed it. I then asked them to reopen the claim and reconsider being that the amount was nearly {$400.00} and it was clearly fraud. The transactions were under very strange codes. Well I never heard back from BOA and next thing I know my account is closed with nearly XXXX in it. I then called customer service and was told my account had been closed with no notice nor warning to allow me to withdrawl my funds. I have tried calling numerous of numbers, stayed on hold for hours just to be hung up on. It has been over a month and still no letters no check with my remaining funds nor an explanation as to why it was done. No answers nor assistance. My unemployment has also been messed up and I am now dealing with being evicted, unable to pay any of my bills during this pandemic. If someone could please help me with some sort of guidance as to how I can solve this issue as soon as possible. 

Much Appreciated
Product: Credit card or prepaid card

I have sent various letters to request an explanation as to why Elan Financial has closed my account. My account was always paid up to date and never late. I went through their customer service and they said that the decision was made based on a letter where I advised them that taking action against me due to age, religion, sexual preference and nationality is illegal. The company didn't respond just advised that they had decided to close the account. This action has harmed me due to closing a account that I had always paid in time and was one of my longest used cards. 
I should not be discriminated based on the factors they provided and never responded to the fact that I placed a complaint with CFPB. They actually verbally told me that they will make me pay the price for complaining to your organization and they did so by closing my account to hurt me.
Product: Debt collection

XXXX XXXX has attempted to collect a non-viable debt from a fraudulent transaction. They have sold the alleged debt to XXXX XXXX as they could not sustain it under XXXX XXXX. No debt exists. They simply move it from one company to another and then re-attach it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several credit card accounts on my credit report that does not belong to me. 
XXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... AccounXXXX Number XXXX... Date the Account was opened XX/XX/XXXX
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$63.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

These following accounts are reporting inaccurate information on my credit report and need to be deleted.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX was included in my identity theft Affidavit XXXX XXXX and Experian sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. I have repeatedly asked that they remove this from my report This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

And according to nd according t

o 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure.
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 XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXXXXXX XXXX, Account name : # XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX Account name : XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

I have written to discover and experian in an attempt to correct this account, it has never been late and Experian will not respond. 

In accordance with the Fair Credit Reporting Act. 

XXXX and Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX states I have a Debt in the amount of {$3100.00} that I have no knowledge of. I have tried to dispute this prior and the response back from Trans Union is that it was verified as accurate. No one has shown me proof or verification of what this is for. If this is a debt Transunion or XXXX XXXX XXXX XXXX believes I owe then I must be provided with documentation on what it is, my signature and all applicable documents.
Product: Credit reporting or other personal consumer reports

FCRA 605B, as I understand it, mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. 15 USC 1666b 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!

15 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 XXXX  days before the payment due date. 

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


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


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


Update the late payments from my consumer reports
Product: Consumer Loan

Ally Financial made me the primary borrower on a loan that I co-signed for a XXXX gentleman. When he got behind the vehicle went out for re-posession without me being notified. When I found out, I took possession of the vehicle with XXXX miles and contacted Ally. I was assured by Ally that if I paid off the vehicle and late fees for over $ XXXX they would issue release in my name. The buyer has since left town and the release was issued in both our names, leaving me no way to dispose of the vehicle. Ally refuses to re-issue the release after apparently committing racial discrimination and fraud.