23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I ACCIDENTALLY LOGGED OUT OF MY ACCOUNT ON THE APP, AND WHEN I TRIED TO LOG BACK IN I RECEIVED A MESSAGE SAYING, " YOUR ACCOUNT HAS BEEN PLACED ON HOLD FOR YOUR SECURITY '' ... I RECEIVED A EMAIL STATING THAT I NEED TO SEND IN A PICTURE OF MY IDENTIFICATION, AND A BANK STATEMENT / LETTER.. WHICH I'VE DONE, AND I EMAILED THEM ASKING THEM WHAT'S GOING ON ALL I RECEIVED WAS XXXX EMAIL FROM THE SUPERVISOR TELLING ME THAT IT'S BEING REVIEWED AND THAT I WOULD GET ANOTHER EMAIL WHEN THEY HAD MORE INFORMATION.. I TRIED CALLING THE XXXX NUMBER CUSTOMER SERVICE AND I CAN'T EVEN GET THE OPTION TO SPEAK TO ANYONE.. IT TELLS ME THAT I SHOULD HAVE RECEIVED AN EMAIL AND IF I HAD ANYTHING ELSE THAT I NEEDED TO TALK ABOUT I CAN EMAIL THEM AT THE WEBSITE THAT THEY SENT ME THE EMAIL FROM ... NOT TO MENTION, I DIDN'T RECEIVE MY DIRECT DEPOSIT UNTIL AFTER CHRISTMAS SO I HAD TO GO THROUGH CHRISTMAS WITH MY GRANDKIDS WITH NO PRESENTS FOR THEM I EMAILED THE MULTIPLE TIMES ON CHRISTMAS DAY AND EVERY TIME I EMAIL THEM I GOT A RESPONSE ALL DAY THROUGHOUT CHRISTMAS AND NOW THAT MY MONEY IS LOCKED UP I CAN'T GET THEM TO RESPOND BACK TO ME FOR THE LIFE OF ME... AND THERE'S NOTHING SUSPICIOUS ABOUT MY ACCOUNT.. THE ONLY THING I DO ON MY ACCOUNT I BORROW FROM CREDIT UNION A CASH ADVANCE, EMPOWER AND I HAVE A CASH ADVANCE FROM XXXX ... AND I TRANSFER MONEY FROM MY XXXX ACCOUNT TO MY CASH APP WHEN I RECEIVED MY MONTHLY BENEFITS.. IT CAN'T BE LEGAL FOR THEM TO HOLD MY GOVERNMENT BENEFITS FROM ME LIKE THIS... I HAD ALL MY BILLS ON EXTENSIONS AND NOW I HAVE TO PAY LATE FEES, BECAUSE I DIDN'T PAY MY BILLS ON TIME I HAVE XXXX LATE FEES I ALREADY LIVE ON A FIXED INCOME I CAN'T AFFORD THESE LATE FEES.. THIS IS RIDICULOUS.. I CAN BARELY AFFORD TO BUY FOOD EVERY MONTH. IT WOULD BE GREATLY APPRECIATED IF SOMEONE CAN TAKE THIS MESSAGE INTO CONSIDERATION AND GET BACK TO ME AS SOON AS POSSIBLE I CAN REACH THAT XXXX OR XXXX THANK YOU, AND HOPEFULLY YOU'RE HAVING BETTER DAYS THAN I'VE BEEN HAVING .... HAVE A VERY BLESSED DAY ... PS, I'M ATTACHING SCREENSHOTS OF THE MESSAGE I RECEIVED FROM ME TRYING TO LOG INTO MY APP... AND IF I CAN ATTACH MY EMAIL FROM THE SUPERVISOR I WILL...
Product: Debt collection

" XXXX '' from United Recovery Systems ( URS ) ( XXXX ) keeps calling my client, XXXX XXXX for a debt that she either does not owe or was fully paid in a settlement ( attached ). 

URS is contacting a represented party ; misrepresenting that a debt is due when it is not ; and harassing a consumer without any defense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 

I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 

On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with XXXX and TransUnion credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 

When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to XXXX and TransUnion effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to XXXX and TransUnion in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 

We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX # 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: Debt collection

This company is currently reporting a debt to the credit reporting agencies that is negatively impacting my credit worthiness. The company provided no notification prior to reporting this debt and did not provide an opportunity to dispute. This company has no license to collect in the state of Georgia.
Product: Payday loan, title loan, or personal loan

Application number XXXX for Paycheck protection program submit XX/XX/XXXX .They didn't respond till XX/XX/XXXX application has been canceled reason is the documentation provided didn't support the loan amount you requested.Call me today and trying explain reasons but nothing new what is not in letter what they send to me.On application what I submit is Treasury guidance : For seasonal businesses the applicant elect instend use average monthly payroll for the time period between XX/XX/XXXX and XX/XX/XXXX.Because my business is seasonal I send my bank statements to support that. On some reason bank didn't use that documents they used only my tax preparation for XXXXThis is reason why I filing complaint.They did discrimination : Refusal of available loan or workout option even through you qualify for it based on advertising requirements.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received an advertisement in the mail for a 0 percent balance transfer on a credit card with American Express. I responded to the advertisement. When the paperwork arrived in the mail, with a credit card attached, it stated 0 percent on new purchases for 1 year. I called the number on the paperwork. They said it was not for balance transfer. I explained the miss understanding and said I will not be activating this card. I did not need a credit card. I never removed the card from the paper, nor did I activate it by calling the number on the card and nor did I remove the sticker on it. 

Now XX/XX/XXXX, I receive and email that I have a balance do on an American Express Card. I called to report Fraud, since I do not have an American Express Card. They inform me that its a charge from them for a yearly fee. I explain the situation and that this card was never accepted. I was talking to the Fraud department on Saturday Night at XXXX pm and they said I could contact customer service on Monday. 

On Monday Morning I call and reach< XXXX a manager in the XXXX XXXX Florida office. She said they do not give out last names or id numbers. She said its a yearly fee they can not remove but she can help me cancel the card. I kept explaining that I do not have a card. I asked to speak to her manager, but she said her name is XXXX and she is out sick. 

I take get effort to keep my credit in excellent standing. I do not appreciate them not removing this fee. this is not a card that I have ever activated and I am thankful I ev paperwork to know what they are referring to. This was XXXX years ago that I received that information in error. I have never received any correspondence until now. It is absolutely absurd that I would own them {$95.00} but she was not willing in anyway to help removed this from my credit report. I do not want this reflecting me. I did not use utilize any credit from American Express. I did not go into agreement for any yearly charge to utilise one of their cards. I do not feel I should pay a charge in XXXX for a misunderstanding that happened in XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and they are not reporting it to the credit agencies XXXX, TransUnion, and XXXX and they are still reporting information that they don't have my consent to. I have also sent letters to XXXX, TransUnion, and XXXX letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Product: Credit card or prepaid card

1. I purchased airfare tickets on XXXX XXXX for {$2200.00} on XX/XX/XXXX 2. The airline cancelled the flight XX/XX/XXXX and failed to refund my money 3. I disputed the charge and Chase sent me a decline notice on XX/XX/XXXX and XX/XX/XXXX stating that I cancelled the flight which is false 4.Chase has failed to honor their " purchase protection '' motto after XXXX  failed to refund my money after they cancelled ALL their flights due to the pandemic. 
https : XXXX 5. I am requesting my money back for a purchase that I made but did not cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation and removal of certain information from my credit report based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations : 15 USC 1681A ( d ) ( 2 ) ( A ) ( i ) : This provision excludes from credit reports any information solely related to transactions or experiences between ( I ) the consumer and the person making the report.

15 USC 1801 : This provision establishes the policy of Congress that financial institutions ( person making the report ) have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6801 : This provision reiterates the policy of Congress that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. 

15 USC 6802 : This provision prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless they provide or have provided a notice that complies with section 6803 of this title.

Based on these provisions, I believe that the following items on my credit report are in violation of the FCRA and should be removed : XXXX XXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments XXXX XXXX : All information including and/or related to late payments XXXX XXXX : All information including and/or related to late payments Inquiries : All I kindly request that you conduct a thorough investigation into these items and, if found to be in violation of the FCRA or other applicable regulations, remove them from my credit report. Please provide me with written confirmation of your investigation and any necessary updates or removals to my credit report. 

Thank you for your prompt attention to this matter. I understand that under the FCRA, credit reporting agencies must complete investigations within 30 days of receiving a dispute. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Mortgage

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXReceived a house that I had been paying on since XXXX in a divorce, XXXX. The loan was sold in XXXX XXXX to Select Portfolio Servicing Inc with payments to begin in XXXX XXXX to them. The escrow for taxes and insurance was transferred to them at that time from XXXX. I made a payment in XXXX, XXXX and XXXX. The house was put on the market at the end of XXXX. The insurance was paid with escrow funds and the policy began XXXX XXXX. I sold the house XXXX XXXX XXXX. 
I contacted the insurance company and they told me they are required by law to refund the monies to the mortgage company but that I would receive a refund from SPS, Inc. 
I have contacted them multiple times as has my ex-husband for a XXXX for me as well as my refund. 
The last correspondence they were to fax the XXXX and send the refund. 
I have received neither. 
The loan is in the name of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX {$490.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but Experian and XXXX refused removal
Product: Debt collection

An attorney that I fired is trying to collect after being paid cash in full. I have receipts. 
Just as well, I was notified by Plus Four that the attorney was attempting to collect yet again and that they were going to place this on my credit. I advised that the debt was not valid by certified letter which I have copies of for this exact situation. 
When speaking with XXXX XXXX they were advised of my petition of Bankruptcy and the name of my attorney. The following day, they reported to my credit in a last ditch effort to unjustly collect on a already paid debt. 

Recording of phone call placed to XXXX XXXX, dated XX/XX/2016 @ 11:29am proves notification of bankruptcy proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX  continue to report the unverified debt.
Product: Vehicle loan or lease

I bought a car on XX/XX/XXXX and traded in a XXXX XXXX the same day. We gave them the payoff. Then on XXXX, my car payment went out for my old car. Then I called and asked why it had not been paid off, and they said it's on its way. My paperwork showed a certain payoff and the dealership actually ordered a new payoff on XX/XX/XXXX and sent XXXX that payoff. My paperwork shows the old payoff and so the dealership kept {$850.00} plus the additional interest charged from my car. I have been trying to get that refunded because XXXX confirmed they never received the amount on the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ received an email from XXXX regarding report number XXXX dispute results by XXXX XXXX XXXX XXXX ( XXXX ) Dispute came back, Updated so I looked to see what was updated. The month of XXXX is reporting late. I first called XXXX about the late payment in XXXX, the rep. Told me that they did not put it on there that the data furnisher furnished it. ( XXXX XXXX XXXX  ) when I called XXXX XXXX XXXX, and told them about the late payment. The Rep. replied : THATS IMPOSSIBLE! And went on to say that we only report on the first of the month, that my bill is due on the XXXX of the month, it has not been 30 days and on the first of XXXX would not make me late.Theres no way XXXX XXXX XXXX  marked you late. 

( XXXX XXXX a natural person ) XXXX told me that they didnt do it, XXXX telling me that they didnt do it. Yet its still on my consumer report. Its inaccurately reporting. 15 usc 1681i procedure and case of disputed accuracy.

I would like for the CFPB TO REINVESTIGATE this matter. 
It also says my recent payment was XX/XX/ thats inaccurate as well, but I have transactions from my bank to prove this to be inaccurate incomplete.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX BANK XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX {$9400.00} Balance updated XX/XX/XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX Balance {$2200.00} Balance updated XXXX XXXX, XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



Thank you for your immediate attention to this matter
Product: Debt collection

Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.
Product: Student loan

Mohela has failed to place my repayment account in processing forbearance after I submitted XXXX forms to move from XXXX to XXXX repayment plans. It has been nearly 90 days since the submission of my first form with no action. This is causing me to miss out on credit for XXXX. 
Additionally, wait times to talk to a person are regularly over three hours, and email responses take weeks. I simply want to be moved to PAYE so I can repay my loans.
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 confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : Upgrade # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # 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 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

I reached out to XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!