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

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Product: Mortgage

Our mortgage just recently got sold to Selene Finance from XXXX XXXX XXXX, when confronted with XXXX XXXX XXXX told us we have no say in the matter, that nothing will change on our contract on our modification when Selene takes it over, well here we are the second month they have sent us and our PMI insurance went from XXXX to now XXXX. When you call them you can not get connected to speak to anyone. Can you tell us what to do now, since we have been contacting you about this issue for the past 4 to 5 months.
Product: Credit card

I am a month behind on XXXX of the XXXX credit cards I have with Capital OneOn XXXX they left a message, on XXXX I talked to a human and explainedThey said ok, we will be looking for a payment on XXXXXXXXOn XXXX they left a message at XXXXXXXXI called back and talked to a human at XXXX and explained a paymentis already scheduled, why are you calling and harassing me? 
They said they would note it on my account, like the other XXXX people weresuppose to do, and not to keep calling me. 
Then, they called me AGAIN at XXXX about the same thing!!! 
I AM BEING HARRASSED!!!!!
Product: Checking or savings account

My recently opened TD bank checking accounts were shortly after closed and I was told at the branch that they do not have explanations why I can not continue relationship with the bank and ever open another account in future again. I also called the fraud prevention center because I was advised by the manager of the branch location near me to call and verify my identity, which I did and I was cleared and the account was reopened for two days, and than I was locked out again. I called the number of the bank to find out whats the problem, and I was told that I need to go to the branch. I was told at the branch that the TD bank has ended relationship with me and no further information was available, no explanation. The account was closed on XX/XX/2023 with balance of XXXX cents. I dont understand what is the reason for this type of mistreatment, they gave me no valid reason. This has been happening to me with several different other banks prior to this one like XXXX  XXXX closed me with no explanation, than XXXX, XXXX XXXX, XXXX XXXX, XXXX and I applied for XXXX was denied, applied for checking account at XXXX XXXX  was denied, XXXX XXXX  was denied a checking account. I was not told a reason why! I called and went to the branches and followed their instructions of verifications, and no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently sued for the improper use of consumer credit file information, including information that is not shared with this entity. 
I requested a disclosure report and received a letter stating the process by which they gather information from credit bureaus and other government entities. The problem is that I requested a letter seeking validation of the information listed on this consumer report with their company. Of which, I did not receive. 

A Consumer Alert Security Freeze Identity Theft Security Date Placed XX/XX/XXXX A request to opt out of their consumer reporting agency was sent on XX/XX/XXXX. I received a copy of the consumer report by mail on XX/XX/XXXX. 

XXXX XXXX & XXXX has a XXXX Bankruptcy listed as Dismissed. XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Does not share or validate the information with third parties. This information could not be validated using personal, or identifiable. 

XXXX  has violated my right to privacy. I requested to Opt-out as well as suppress the information in their database and unfortunately, they have continued to maliciously use my personal inforamtion causing reputational harm when applying for homes.
Product: Credit card

This message is in regards to an incorrect charge for {$300.00} on XX/XX/year>, labeled " Credit Adjustment '', that Chase has applied to my Chase XXXX XXXX credit card account ending in x XXXX. I am entitled to a {$300.00} annual travel credit each year on my Chase XXXX XXXX credit card. I received that {$300.00} credit on XX/XX/year>. But for some reason, I am being charged ( not credited ), I repeat CHARGED {$300.00} on XX/XX/year> for something that I did not incur. Over the past several weeks, I have sent numerous secure messages to Chase customer service and I have also called multiple times, and Chase refuses to remove this incorrect charge. My last communication with Chase card services was on XX/XX/year> with a supervisor named " XXXX '' in the XXXX XXXX Texas XXXX, who stated that I would have this resolved in XXXX business days. It has now been almost XXXX weeks since that time, and it has NOT been resolved. I am now filing a formal complaint against Chase card services with the XXXX XXXX XXXX XXXX ( CFPB ) as well as the Better Business Bureau ( BBB ). I am further requesting that in addition to removing the incorrect {$300.00} charge that Chase has put on my account, that Chase also issue me a refund of {$450.00} for the credit card annual fee, due to the amount of time that they have caused me to waste on this issue, as well as their unprofessional conduct towards me as a customer. I find it very unprofessional from a company like Chase, who I have multiple credit card accounts with and have been a loyal customer with for many years.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in MONTHS REPORTING LATE to be removed 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 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I was storing funds in Gemini XXXX program and was very reliant on 5 day XXXX payment terms. It has been one month with funds still frozen and no update on when they will be available, as this year 's tax deadline for trading purposes quickly approaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX late open XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : **** Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why theyre there. When I checked my report as usual, I was surprised to see unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. I urgently request a thorough review of my documents to prevent this from happening again.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Common Wealth Financial on XX/XX/18. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Mortgage

Hello, I am levying this complaint against SPS ( Select Portfolio Servicing ), as they are a loan servicer apparently acting on behalf of my actual note holder, in which they keep secret. 
My wife and I are in a state of stagnation with SPS, we have been pushing for a loan modification with SPS since XXXX 2016, we have been more than compliant. 
We have submitted every document they asked for multiple times. 
SPS has engaged in a relentless and classic form of stonewalling, and as they do so they are causing a serious financial dilemma for my family, as we have only been able to afford to pay the principle and interest. Here 's the scenario ; they 'll ask for a document, telling us that this is the last document they need, we always comply, then we here nothing, they go dormant. we contact them asking for the status of the modification, they 'll ask for some document they already received from us. 
SPS has a team of phone answering personnel who run interference for the so called underwriters, whom they claim are the problem ... they will never let us speak to the underwriters, Never! 
I have literally begged them for an viable answer, they know were sinking fast, so there must some sort benefit for them not to comply with us. Please help! I know we ca n't fight them alone, And I know we wo n't last like this. 
Currently with the payment were making the escrow is not being met, and its getting worse. I told this to SPS, they usually reply ; sorry ... 
PLEASE HELP US..
Product: Student loan

was unable to start repayment on my student loans and navient informed me I was ineligible for deferment due to the fact i made more then the maximum eligible salary. They then stated the maximum salary you can make and be eligible as a full-time employee. The amount was substantially lower then minimum wage as is legally impossible to make that low of a income. They then forced me into a forbearance causing my loans to continue accruing interest.
Product: Debt collection

I don't know the exact dates, but my XXXX XXXX took out a credit card in my name, I've tried to file a police report for fraud but I was told that because it happened in another state there was nothing they could do. The amount was for {$1500.00} dollars, and the debt ended up being {$1700.00}. I've tried numerous times to dispute it through the credit bureau that it was fraud by my ex spouse, and they keep saying it was in fact myself that got the card. The card was through Discover.
Product: Student loan

Hi my name is XXXX, I have been in contact with a company called Kentucky Higher Education assistance authority, This company has used every deceptive skill available. Whenever I would ask for verification into what company are who I was dealing with, I was always given misrepresentation and received some form of harassment. I still do n't know if the company is a collection agency or are they the XXXX XXXX. I feel from the deceptive forms of communication I have received from this company is brutal and unfair. I reached out to this company after receiving correspondence about a student defaulted student loan. Once I asked them to verify who I was sending information to, I was held in contempt for refusing to verify demographics. From my understanding of the law this company should not have been able to proceed with wage garnishment if I was working with them to rectify the problem. They constantly harassed me with threats of wage garnishments and said that my income tax was due to be garnished as well. The more information I sent this company, the more information they used against me. I worked three extra trips in XXXX to be able to pay off classes at XXXX XXXX in XXXX of XXXX. So, I could continue taking classes in XXXX. My wages was garnished for XXXX on the XXXX of XXXX and on the XXXX of XXXX a total of XXXX or more. I cant understand why I did not receive a thirty day notice stating the exact dates the wage garnishment would go into effect. I also cant fathom that this company still has n't told me if they were working on behalf of a collection agency or a private student loan company.., or the XXXX XXXX. I reached out to the XXXX XXXX for assistance and ask if they could contact me if they were indeed the XXXX XXXX. I never heard back from XXXX XXXX XXXX. I was asking for assistance in seeking out information into whom or what company I was dealing with, however I did hear back from XXXX XXXX once I faxed my personal information to Kentucky Higher Education Authority thanking me for submitting my information to him ( supposedly the XXXX XXXX ). I replied back that I did not send them information, however, confused still. This company XXXX  XXXX has violated so many of my rights. I also cant believe how the XXXX XXXX could form an in-biased opinion if they are working for or with the legal team for XXXX. I asked if this was a private company how come I was n't issued a court date or judgement. I guess since I do n't know who I have been dealing with from the start I started looking for legal counsel.
Product: Debt collection

This is some sort of fake debt collector law firm that has called family members, harassers me, claims I will go to jail. Uses abusive language on the phone.
Product: Credit card

Case Number : XXXX Merchant Name : Quality Auto Parts XXXX, CA XXXX. : Billing Discover Card We are submitting this information in regards to the above Dispute Case. This is a XXXX of XXXX XXXX XXXX. 

On XX/XX/XXXX a purchase was made using our Discover Card for XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00} ( part+tax+shipping charge of {$150.00} ). 

This Transmission was advertised by the Merchant as being Tested and Inspected in GOOD READY CONDITION to fit and READY to WORK in your vehicle. ( see photo ) It was not! What arrived at the XXXX, Ohio, XXXX XXXX had a XXXX, XXXX housing which in no way matched their claimed advertisement of tested and inspected good condition. What they sent was DAMAGED goods. Obviously, it was never inspected. Our XXXX XXXX contacted us that he could not use this XXXX in our vehicle nor would he ever put this transmission in any vehicle! The transmission fluid would leak out, causing transmission failure. 

We contacted the merchant and sent them pictures of the damaged part, which they did not dispute. They never sent a return address or return authorization nor did they say they would pay the return shipping. 

Time issue was another big problem. The initial order was place XX/XX/XXXX, when were informed the part would take XXXX days to arrive in Ohio. Multiple weeks had passed and the merchant claimed they had shipping problems. Confusion and excuses were ongoing. In the mean time, our car was sitting on the transmission shop rack. Time was of the essence. 

By XX/XX/XXXX we had waited long enough. This timeline far exceeded the XXXX day quote merchant promised. At this point we had no faith in this merchant. We wondered if we had been scammed. After digging into their rating with the BBB of XXXX, California, we were dismayed to see they were no longer accredited with them and that they had an F rating with a number of complaints XXXXTrust was definitely out the door by then. 

It was at this point we contacted a local XXXX XXXX XXXX and purchased a transmission from this merchant. This part arrived in a reasonable time with no trouble. This purchase can be found on our Discover Card. This transmission cost about twice the price as the damaged XXXX from the XXXX XXXX merchant. 

After another phone call to XXXX XXXX XXXX, I see this merchant has lied claiming that I was going to lift the dispute off of this claim with Discover. 
I told him specifically, that the Dispute was staying on this claim and Discover would be investigating it. 

In conclusion, we are requesting a full refund to our Discover Card in the amount of {$1600.00} from this merchant. He falsely advertised good, working parts, and what was sent was cracked, damaged, and not usable. 
Discover Card needs to take their payment back from XXXX XXXX XXXX and credit my account. Otherwise, I will have been cheated Twice.
Product: Debt collection

I am not liable for this debt with XXXX XXXX OF XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. Duplicate Accounts XXXX*Amount Disputed : {$53.00} demand this account to be deleted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander continues to verify this account after they were instructed to remove it due to the multi state settlement agreement they entered into with the attorney generals office. 
I have submitted 4 disputes this year with XXXX and the latest dispute was again verified a few days ago. My account meets all legal the criteria. I continue to incur damages and was recently denied credit due to this matter. Additionally, Santander violated several other laws in which I will pursue legal action if this issue isnt immediately resolved.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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

Original " delinquency date '' for XXXX XXXX is XX/XX/XXXX. Three months later on XX/XX/XXXX this car was repossessed. As of XX/XX/XXXX, this account is 7 years old and should not be on my file any more. All Equifax does is add remarks to my file and the account remains on file. All the other credit agencies already took XXXX off but Equifax refuses. This is my second complaint about Equifax XXXX for different issues ) within the last four months. They should have no business storing people 's history if they can not operate within the law. Thanks.