23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New property tax amount was sent in XX/XX/XXXX to Mr. Cooper, but they didn't process the change. Had to call/message/email to get them to update escrow. Followed up on change in XX/XX/XXXX to see why process wasn't completed. Was assured it would be updated. 

Received updated escrow statement on XX/XX/XXXX noting increase in payment due from XXXX to XXXX because of unfixed property tax impacting our escrow. Waited until next escrow statement on XX/XX/XXXX to show change. 

New escrow updated but still was not reflective of refund that was to be received for property tax update. Payment still increased to XXXX. Emailed and messaged but no further help was provided. Increased payment amount of XXXX was taken out. Not even the updated payment of XXXX was taken. 

No response received as of today.
Product: Payday loan, title loan, personal loan, or advance loan

I was the sole owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX - which operated as a butcher shop in XXXX, Georgia. 

I, on behalf of my company and as the personal guarantor, entered into XXXX XXXX XXXX XXXX XXXX with Maison Capital Group Inc. ( " MCG '' ) on the following dates : XX/XX/year>, XX/XX/year> ; and XX/XX/year>. Per these agreements, I was provided the following amounts from MCG : {$19000.00} ; {$38000.00} ; {$43000.00}. As a result of these agreements, I was to pay back the following amounts respectively : {$29000.00} ; {$58000.00} ; {$66000.00}. MCG was making daily withdrawals from my account in amounts equal to $ XXXX. I was unaware of the unconscionable and predatory terms at the time of executing these agreements. In late XXXX, I made the difficult decision to shut down my business as I could no longer maintain or continue its operations. As a result of shutting down the business, I was unable to maintain the payment obligations under the agreement as it was my sole source of income. As a result of these missed payments, MCG filed a complaint noting my default. Note I did not receive any breach of payment or default notices from MCG prior to the complaint being filed. I did not receive personal notification of this complaint, other than my XXXX  coming across mail left in my mailbox ( per my request ) as I am currently out of the country. Now that I have sought advice from others, I am realizing how predatory the underlying loan agreement was to start from. My family and I have attempted to resolve this matter amicably over the course of the last week and a half ( since we became aware of the complaint ), however neither MCG or their legal team has been reasonable or cooperative when I have requested payment plans or other solutions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$360.00}
Product: Student loan

In XXXX of XXXX I filed my income driven repayment plan like I always do. Navient is one of my lenders. The other three lenders accepted my repayment plan but Navient did not. I was not aware that they rejected it. I did not receive letters even though they stated that they sent them. In XXXX of XXXX I filled my taxes. I was supposed to get {$5000.00} back. Navient put in an order to take my taxes only four months after they rejected my income driven repayment plan. I had to call them and they would not give the money back. I set up a payment arrangement for {$5.00} a month for a year with the collection company they sent me too. I was a single mom and that is all I could afford. After a year I was able to stop paying the {$5.00} and then they accepted my income repayment plan. I have never had any issues with my other lenders accepting my repayment plans but Navient went after me. I felt completely scammed. I absolutely hate working with them. This year I filed my repayment plan with them and all my other lenders give me a {$0.00} balance to pay every month. Navient came back and said I owed {$50.00} then month. I had to call and ask them why. They had to reopen my file and they said it 's because when the paper work was processed by them it did not take my other loans into account. They fixed it right away so I had a {$0.00} payment every month. I have to really watch my loans with them because they are always trying to pull something.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXX  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 XXXX XXXX XXXX. 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 to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Credit card

I requested on XXXX 2015 for Capital One to have my credit card closed and I paid my account in full. Capital One put the account in restriction mode and they have assessed their bank fees for annual fee, interest fee and late fee on an account that I requested closed with a zero balance. I am demanding to have Capital One issue credit to account. I contact them on XXXX XXXX, 2015 to request and the agent was so rude and would not provide information. Her name is XXXX ( would not provide last name ) ID # XXXX, telephone XXXX. 
I asked her why she ca n't provide last name since I provide my personal information she was so rude and stated she ca n't.
Product: Checking or savings account

I filed a dispute in XX/XX/2018 for {$30.00}. XXXX XXXX XXXX is the merchant. Today I was alerted by Chase that my account was - {$21.00} due to a dispute reversal. I contacted Chase spoke with XXXX who offered a scripted " I do apologize '' before transferring me to XXXX. XXXX informed me that XXXX credited my account on XX/XX/XXXX. I apologized for the oversight on my part and inquired about overdraft feesm XXXX informed me that Chase sent out a letter on XX/XX/XXXX. I informed the representative that I had receiced an email regarding a claim which had been approved but to date had not received notification regarding a denial. XXXX repeated the same scripted " I do apologize but a letter was sent on XX/XX/XXXX. '' She finally stated that there was nothing she could do and Tranferred me to XXXX her supervisor. I was informed by XXXX that an overdraft fee would not be applied to the reversal but overdraft fees would be applied to the pending transactions in my account. She read my pending transactions, there are six. I asked XXXX how was it fair that I may be charged multiple overdraft fees when I was aware of my spending and what was in my account and now due to now due to a lack of communication from Chase I am being held accountable for their error. XXXX provided the same scripted " I do apologize '' and offered to transfer me to the business department for assistance with the overdraft fees. There are no overdraft fees I am trying to prevent them! I am looking at between $ XXXX {$130.00} in fees all because Chase stated they sent a letter which I never received!
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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions Experian is reporting addresses I never lived at and are tied to questionable accounts. My address is stated on my government-issued ID. Information other than my personal accurate information is being used to " validate '' these accounts, a violation of my rights.

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 or 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  has updated that this XXXX account is paid a settled. Whereas transunion and XXXX  has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need transunion and XXXX  to update comments as paid charge off settled account as XXXX  did
Product: Debt collection

I called Jefferson Capital regarding a collection on my credit report. The only option was for me to call another collection agency. I called the other number and spoke to a lady. I asked her about the debt. I wanted proof and verification that this is in fact my debt. She asked me to verify my info and email. She told me that she would send me the info via email. Then she ask me if I could make an arrangement to pay for the debt. The debt is {$9900.00}. She was willing to settle it for $ XXXX and in 30 days remove it from my credit BUT she would need to contact Jefferson Capital to verify if they would allow the settlement. I said ok. She said she would call me back. I NEVER heard from her again. This was on XX/XX/XXXX. I called back the next day and it went to a man 's voicemail. So I called with my sons phone and spoke to another lady. She stated I should definitely hear back from the company on Monday XX/XX/XXXX. I have yet to receive any email nor any call. This is affecting my credit score and it really is unfair that a company is reporting on my report yet allowing a different company to collect the debt. As a consumer I feel afraid I will get scammed out of my money in this instance because I can't be certain that they will keep their word. Especially from this experience so far.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

My mortgage just got sold to another servicing company as of XXXX/XXXX/2016, the first letter I received stated this fact and said for the transfer should be complete in sixty days, that during this time no service fees or late charges would be assessed. I had to reset my ACH with my bank and the new ACH would start on XXXX/XXXX/16, after that date I would make XX/XX/XXXX payment directly. What a nightmare, I have received twelve letters and six phone calls as of today XXXX/XXXX/16. The latest being my payment would go up from {$400.00} per month to {$450.00} due to them being able to keep a two month reserve in the escrow account. 
I am retired, was on XXXX, now on social security with a fixed income and coming up with this added payment will be dificult. By my understanding I have until XXXX/XXXX/16 to have my ACH set up and the XXXX payment made without all this harrassment with letters and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

DOES ANYONE AT EXPERIAN KNOW HOW TO READ?????????????????????????? OR DO JUST LIKE TO IGNORE THE TRUTH AND LIE??????????????????????????? I DID NOT SAY THE INQUIRES WERE UNAUTHORIZED, THE INQUIRES ARE ON MY REPORT FOR MORE THAN 2 YEARS. SEE THE ATTACHED COPY OF MY REPORT. As of today, XXXX, Experian has failed to delete four inquiries from my credit report. All four credit inquiries are scheduled to be deleted at the dates specified by law. Experian is in violation of the FCRA. This is an ongoing and recurring problem with Experian. ( 1 ) - .XXXX XXXX XXXX - Bank Credit Cards XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 2 ) XXXX XXXX XXXX Auto Financing Companies - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 3 ) XXXX XXXX - Credit Unions - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX ( 4 ) XXXX XXXX - Bank Credit Cards Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX. Experian is in violation of the law. This is an ongoing and known problem with Experian,
Product: Debt collection

I dispute that the debt was mine and they wont give me any information of charges or payments. They said illegal to disclose. Disputed with credit agencies. I gave up on disputing and willing to pay debt that isnt mine and collection company will not send a statement of settlement. They want me to pay to restart debt clock and refused to settle in writing. I told them your site specifically tell to have written agreement their answer was then file a complaint with you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX  XXXX acct # XXXX {$730.00} ( ive never had XXXX  and XXXX  is no longer in business ) XXXX XXXX acct # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX acct # XXXX {$1500.00} ( i never stayed in florida ) XXXX XXXX
Product: Debt collection

In XX/XX/2023, I rented a vehicle with XXXX ( XXXX, CA ) and XXXX told me they cancelled the original reservation I reserved as they were going to make a new one for me in office and cancel the old one. I paid for the new reservation at the XXXX, CA branch. In XX/XX/2023 they sent me a bill of {$500.00} saying it was for the rental, but they had told me they cancelled the old reservation already. I had called and they told me it was a mistake on their part and they will remove the charge. Since then I have received a bill every month and every time I got the same bill of {$500.00} I had called with my Father as we were both told that I do not owe that amount. We spoke to several supervisors and employees from corporate and they all said I do not owe it. I called the XXXX, CA branch as well and they told me I do not owe and there is no balance owed. I would like to get this resolved so it is not reflected on my credit. The original employee I spoke to, told me verbally multiple times that the original reservation was cancelled. This total that I do not owe has just been sent to debt collections after being told multiple times that I do not owe it.
Product: Credit reporting or other personal consumer reports

Hello, My XXXX accounts are showing that there are late payments on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and this is showing inaccurate. I had a forbearance at the time and these dates are over XXXX XXXX XXXX and should not be reporting anyway. Please delete these account because this is affecting my ability to apply for credit. 
Account:XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 CREDIT COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX MA XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against CREDIT COLLECTION SERVICE for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. CREDIT COLLECTION SERVICE has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with CREDIT COLLECTION SERVICE. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with CREDIT COLLECTION SERVICE proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. CREDIT COLLECTION SERVICE conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that CREDIT COLLECTION SERVICE take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If CREDIT COLLECTION SERVICE is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

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

TD Bank has fraudulently and erroneously reported me, XXXX XXXX XXXX, to XXXX XXXX, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where TD Bank received this information. I do have a current checking account with TD Bank, I opened with my wife, XXXX XXXX XXXX, about 10 to 12 years ago, which is still open and in good standing, this is the only account I have ever had and still have with TD Bank. I called there Customer Service, XXXX line today at XXXX XXXX and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau,   which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an inquiry on XX/XX/XXXX from CBNA/BBY and they have been continuously doing this every month. Currently, my wife and I are in the process of buying a home and obviously any inquires can hurt our position. We did not ask for an increase or a new credit card from them and do n't know why they would pull credit on XX/XX/XXXX and do it every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a credit report from XXXX Credit bureau. On the account it mentions an account that I allegedly had with XXXX XXXX XXXX and the account number for that account is XXXX. On the XXXX credit report it states that the XXXX XXXX XXXX account was paid in full and that the last payment was made on XX/XX/2015 and XXXX is providing this information based on a dispute that I filed. So, if the last payment was made on XX/XX/2015 and the account is paid in full then this account can not be a charged off account. XXXX and Equifax have different payment dates for this same account. How can it be that the three credit bureaus have different information on the same account and they are getting the information from the same source which is the creditor. I have submitted a copy of my most recent XXXX Credit Report and circled the payment date and the account status on the credit report. 
The XXXXk XXXX XXXX account that is reporting on my credit report is inaccurate and should be deleted immediately. From XXXX XXXX I have been asking the credit bureau for there method of verification as it pertains to this account but all I have gotten are letters stating that the account is been reported accurately on my credit report but no method of verification and this is a clear FCRA violations.