23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I received notice that based on my credit score from XXXX in XX/XX/2020, my APR was being increased to 17.99 % on XX/XX/XXXX. 

I have had this card for about 10 years so I phoned to question why they were not using my current credit score rather than going back to a score from 5 months earlier. I was told that they intended to raise it sooner but due to Covid it was delayed. I closely follow my credit scores which are either XXXX or XXXX. I spoke with four different people and the manager told me sorry, there is nothing we can do about it. 

I feel I am being penalized just so the credit card company can get more money.
Product: Mortgage

My husband died XX/XX/2020. Lost a great amount of monthly income, approx {$4000.00}. XXXX XXXX XXXX with current " mortgagee ''. This company is in a " TRUST '', only modifications, no refi 's. Company is Select Portfolio Servicing. All docs were submitted via email attachments on timely basis ( dated ). On 1 document I received ( XXXX ) states my SS $ was HIGHER than direct deposit. I called, was advised once ALL payments made, a review of account AND income would be made. Loan mod proceeded with TEMPORARY monthly amount as I was advised. NO missed payments. Payments were entered ahead of schedule with confirm #. Upon completion of TEMPORARY payments, received NEW agreement with SAME AMOUNT DUE AS TEMP. No changes. One Rep told me the TEMP IS the NEW monthly amount. Numerous calls made ( documented-CSR name/EXT./time of call ) as to WHY an added 125 % onto my income? Had my Attorney ( paid him {$350.00} for 1 phone call to SPS Acct. Rep/no info ) SHE had NO answer. Finally got answer from another CSR. ALL clients are subject to this 125 % tacked onto GROSS income. This is fraud, in my opinion, as I do not make that amount of money. They are attempting to obtain more money from me. I DID NOT sign papers, received numerous calls after stating I was not accepting why docs NOT received. I am back on monthly auto draft with higher monthly amount. I feel I was not treated respectfully, especially by my Account Rep. Most of the CSR 's tried to help, but they had no answer. How do I proceed?
Product: Credit reporting or other personal consumer reports

There was an inquiry on my credit report ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) and ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) regarding a loan inquiry in which I never lawfully gave them permission to do a " Hard Inquiry ''. I want these inquiries removed from my credit report and One Main Financial to be responsible for this illegal action taken.
Product: Debt collection

On XX/XX/, I received a letter from Hunter Warfield attempting to collect a debt from XXXX at XXXX in XXXX Colorado ( XXXX ) in the amount of {$7300.00}. I attempted to contact XXXX at XXXX to rectify this fraudulent account. They were aware that the person that was using my name was identity theft. I contacted them prior to filing the police report. A detective ( XXXX XXXX XXXX ) assigned to the case contacted XXXX at XXXX to identify the perpetrator but was unsuccessful. The person was later evicted and the remaining unpaid balance was sent to collections.
Product: Debt or credit management

I was interested in using Bright money to repair my credit, and upon going through the sign up process I realized unlike advertised, it was billed yearly at a go, so I decided to close the app and back out, only to log back in and realize I had been signed up with an automated payment scheduled for the yearly subscription.
Product: Credit card

BARCLAYS BANK DELAWARE reporting to my credit file an account which is not mine.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 21 days before the payment due date.

EQUIFAXNever 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!

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

I sent my mother XXXX dollars on cashapp. My phone auto corrected the description to a foreign city. I realize that this city would be a red flag and may deserve scrutinizing. However I as the customer do not deserve to be demeaned in the manner that this was handled. Threatening actions taken against me and my money or the money I am sending to my mother. A person who is and has been a cashapp customer for years. Not to mention asking me to agree to something that Ive already agreed to when I have done nothing wrong. The way this was handled is poor and unacceptable. As a customer I feel targeted and singled out by a financial institution for their own inability to prevent fraud or illegal activities from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX # XXXX ( account numbers are inaccurate ) h

as 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 or other personal consumer reports

I want this account removed .The amount is incorrect. I was already out of the apartment and I have a 60 day notice and a ledger that states that the rent was paid in full at the end of the lease.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding CashApps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using CashApp numerous times and reporting discrepancies, my financial institution and CashApp failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that CashApp has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX  Account Name : XXXX  : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX Balance : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Mar Joe Enterprise To Whom It May Concern : Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above XXXX XXXX XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. { Creditor/Collection Agency } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ).

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { original creditor/collection agency } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Mortgage

I registered and attended New Jersey XXXX expo on XX/XX/2018 at The XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. I participated in the home buyer class. Attendees were told of a NJ State government program that gave first time home buyers {$10000.00} grant to help with down payment. Also present were some financial institutions, who have agreed to work with the state in providing loans to individuals who meet the criteria for the loan. The only condition for this loan was that a beneficiary must live in the house purchased for a minimum of five years. If the beneficiary decides to sell the house before the end of this five year period, he or she will pay back the money in full. Unfortunately, I engaged one of the firms ( Family First Funding LLC ) that I met at this expo for mortgage loan. 
I was approved for {$500000.00} with a credit score of XXXX. But towards the end of the process, the mortgage firm said that my interest rate with be 6.125 %. This came as a shock because the market rate at that time was about 4 %. The loan officer told me that the higher interest rate was due to the fact that I was receiving a grant of {$10000.00} from the state through them. But I was made to sign a paper stating that the grant had no impact on the interest rate. 
The worst thing is that when I spoke to the loan officer about 2 months ago, she told me I can not refinance until after 2 years. At different points I was ambushed with very little information that came at the last minute or when it was impossible for me to look for another lender. 
They lied about the government grant determining the extraordinarily high rate ; and I was never told at the time I signed for the loan that, I can not refinance until after two years.

Why do I have to wait two years to refinance? Is this legal? Is it written in the original mortgage agreement? What is their reason for this exorbitant ( higher than prevailing market ) interest rate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account, and they agreed to cease collection efforts and report to the three collection agencies. However, this collection is still on my credit report, and it needs to be removed. The account is XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct No. XXXX 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 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

The following collections account and debt listed on my Trans Union, XXXX and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my Trans Union, XXXX   and XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, i opened a " skrill.com '' account, proceeded to upload the required documents and information required. 

Included SSN, DL #, bank account information, and copy of bank statement.

I loaded {$5.00} with the respective bank account and waited for cleared funds. 
{$5.00} left bank account on XX/XX/XXXX. 

On XX/XX/XXXX my account was locked pending further upload of selfie with DL was required. I obliged. Then on XX/XX/XXXX was further locked pending a ID, DL, or passport copy upload. 

I attempted to upload my DL 7+ times over the next 2 days to no avail. Website took the front id upload then got stuck on loading screen after uploading the back every single time. 

Seeming like website failure, i contacted the phone customer service line on XX/XX/XXXX. I was then told they recieved the ID copies 4 times. So why could they not unlock the account? They wanted a copy of my actual social security card ... i said no where on the site requires this and im not going to just take your word for it and give you my most secure document. I want my money refunded and account closed. 

She stated after 5 days of funds clearing i could withdraw my funds. 

I waited, and account is still locked. 
Contacted web customer service and they said it was now 60 days for me to get my money back. 

I contacted them again and they just regurgitate the ID, DL or passport requirement for verification ... 

This is a ridiculously red flag, scam type requesting company. I just want my money back and account closed.
Product: Debt collection

I paid the collection agency in 3 payments in XX/XX/XXXX and XX/XX/XXXX for settlement amount of {$240.00}. The bill was for XXXX. They on XX/XX/XXXX XXXX XXXX XXXX tried to collect on the bill again and added to credit bureau as collection. When I called with proof they state didnt know why it came up and was sent to credit bureau. Updated credit bureau as paid, states cant remove there error.
Product: Debt collection

On XX/XX/XXXX three outpatient services were performed at XXXX XXXX Hospital in the amounts of {$110.00}, {$110.00} and {$150.00} totaling {$370.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX   ) submitted a claim to the wrong insurer although I had provided the correct insurance card for  copying the day of services. On XX/XX/XXXX, when I received a bill for {$370.00} from XXXX, I contacted them to inform them of their error and I contacted the insurer because my insurance had ended XX/XX/XXXX, but the services were prior to that end date. XXXX submitted a claim to my insurer but it was not for {$370.00}, but for {$4900.00}, a substantial increase of 1,215.5 %. They also included an additional service not previously billed, so now they were requesting payment for four services instead of three. As a result, the insurer paid a total of {$630.00}, which was an over payment in the amount of {$250.00}. Afterwards, XXXX submitted two additional bills for the same services, but this time, changed the names but left the amounts at {$110.00}, {$110.00}, and {$150.00}. Unknowingly, the insurer paid an additional {$220.00} for services they had already paid. SO there was a total over payment of {$480.00}, yet, XXXX sent me a bill for {$150.00}. The insurer and the hospital had already sent me notice of payments ( over payment ) and I only owed the hospital {$3.00}. I contacted XXXX to make them aware of what I have determined to be fraud on their and the doctor 's part and told them they had already been paid and therefore they needed to speak with the hospital or whomever got the money and bring my account to XXXX. Instead, they placed the account with XXXX XXXX XXXX ( XXXX ) of XXXX XXXX for collection. When contacted by XXXX in a letter dated XX/XX/XXXX, I disputed the debt and asked them for verification in accordance with FDCPA ; none was provided. Instead, they sent me another bill dated XX/XX/XXXX, requesting payment. I sent them a letter with proof of payments and explained how they were actually overpaid and should not be harassing me for any payment since I owe nothing. I asked them to bring my account to XXXX. I have filed a complaint with the Composite Board of Medical Examiners regarding the doctor who is collecting on this inaccurate debt.
Product: Debt collection

received collections notice that company was collecting a debt for XXXX XXXX XXXX, offering me XXXX payment options, none of which equaled the amount I " owed ''. i called XXXX XXXX XXXX and verified that my account was completely up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance {$170.00}, XXXX XXXXXXXX Balance {$2000.00},, XXXX XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX