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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXXXXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

On XX/XX/year> we made out a check # XXXX to the United States Treasury for {$9000.00} and mailed it at a " secure '' mailbox outside the post office in XXXX XXXX, NY. Someone stole the check, washed the payee and made the check out to the name of XXXX XXXX. The bank recognized this was a fraudulent check and reversed payment. The next day the name was changed to XXXX XXXX and a second attempt was made to cash the check. Even though the bank already identified fraud, the second time they cashed the check. We have filed reports with the XXXX XXXX XXXX  ( XXXX ) and the US Postal Service ( XXXX ). We have visited our local bank office in XXXX NY and spoken to the XXXX XXXX XXXX several times and provided her with all of the requested forms and documents. We have spoken to Chase bank 's fraud department ( claim XXXX ) multiple times. We have literally spent a whole day working with Chase bank to try to resolve this issue, but every time Chase just tells us they need additional information from us to process the claim. We have provided EVERYTHING they asked of us, but after over two months they keep telling us they can't do anything because they need additional information from us. They keep lying to us and refuse to do anything to restore the stolen funds they took out of our checking account. We have bills to pay and this issue is causing us financial and emotional distress.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX informed I could not access my credit report online and I wanted to dispute 3 XXXX XXXX inquiries that are fraud. I was advised a ticket was put in and in 24 hours Id receive a call. I never received the call.
Product: Credit reporting or other personal consumer reports

My account with these company was 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 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: Debt collection

I was sent a debt collection letter from TriVerity , Inc. saying I owe {$14000.00}. as of XXXX XXXX. The loan was taken out with XXXX XXXX XXXX XXXX online XX/XX/21. Their office is in XXXX XXXX, Ga. The statement they sent me showed money being withdrawn as of XX/XX/21. Most of the transactions were NSF fees. I have been speaking with a Dispute Advisor for the collection agency. He told me to file a Police report first. I tried doing that, but I keep getting the " run a around. '' The address that the Credit Union has on file is not my address, neither is the phone number the impersonator has been calling from. They even have voice recordings.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filled out a new application in XX/XX/2018and I received funds XX/XX/2018. I checked the box that asked if I was in the military. I also at the time didn’t know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didn’t. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research I’m not responsible for the exaggerated fees and APRs. I’m requesting my account to be closed due to the violation of the Military Lending Law.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following accounts violate 15 U.S. Code 1666b, are inaccurate and must be deleted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax , I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

Recently I took a mortgage loan. We closed the property on XX/XX/2020. 
the title company took {$4300.00} for prepaid property taxes to the flag star bank. 
The Bank is asking to pay for the taxes starting XX/XX/2020. 
That means the prepaid amount ( almost 1 point ) in fact will not be used and dispersed for my taxes.

It seems the bank has taken extra money which is not for the purpose of tax payment. One point prepay would have reduced my interest rate lower.
Product: Checking or savings account

XXXX had a joint account with I was the primary on the account I paid the bank by cashing a settlement payment I received. XXXX  closed the account knowing it was my money and bank went gave her the money and closed the account without authorization
Product: Checking or savings account

Received a letter from Wells Fargo that I was enrolled in their Accidental Death Product in 2012. I did not authorize this and do not know who enrolled me in this product. Called and the representative did not explain who enrolled me in this product.
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 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 fl 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 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: Checking or savings account

Dear To Whom It May Concern, I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite sufficient funds being available at the time the transactions were authorized. However, due to delays in the posting of charges and credits, I was unfairly charged overdraft fees.

This issue seems consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices by Navy Federal Credit Union. Specifically, transactions were settled with insufficient balances despite adequate funds being available at the time of authorization. I believe these practices are both deceptive and unfair. 

I respectfully request that the CFPB publish this complaint to raise awareness about these practices and ensure appropriate action is taken. 

Thank you for your attention to this matter. 

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

From XXXX XXXX social security number is XXXX XX/XX/69 year, of birth my complaint is that experian supposed to remove the 1 negative item that's changed off the account is XXXX I filed a federal trade commission identity theft report on file with experian the item supposed to be removed due to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!
Product: Credit reporting or other personal consumer reports

I reached out to Equifax multiple times about an account that was paid off over a month ago. I called by phone, sent a letter, and did a dispute online. The account is XXXX XXXX XXXX. They advised me they sent a letter to all credit bureaus to remove the account from my credit report. It was removed from other two in XXXX but not Equifax. It also is still reporting a balance as well.
Product: Student loan

I am writing to formally request assistance in resolving ongoing issues with my student loan servicer, Mohela, regarding the payoff of my consolidated loans ( XXXX XXXX XXXX XXXX XXXXXXXX ). Despite my efforts to pay off these loans in full, Mohela has continued to charge interest and has failed to appropriately apply my payments. 
Here is a detailed timeline of the events : XXXX. XX/XX/year> : I made a payment to Mohela to fully pay off the accumulated interest on XXXX XXXX  XXXX ( {$2000.00} ) and XXXX XXXX  XXXX ( {$5000.00} ). As of this date, all interest should have been paid in full, with {$6400.00} applied to interest and {$590.00} to principal. The payments applied to each loan were broken down as follows : XXXX XXXX XXXX XXXX : Principal : {$200.00}, XXXX : {$4700.00} XXXX XXXX XXXX XXXX : Principal : {$380.00}, XXXX : {$1600.00} XXXX. XX/XX/year> : I logged into my Mohela account intending to pay off XXXX XXXX  XXXX, but the system required a payment on XXXX XXXX XXXXXXXX as well. I made a payment of {$25000.00}, with {$25000.00} applied to principal and {$80.00} applied to interest, broken down as follows : XXXX XXXX XXXX XXXX : Principal : {$25000.00}, Interest : {$35.00} XXXX XXXX XXXX XXXXXXXX : Principal : {$150.00}, Interest : {$44.00} As of XX/XX/year>, XXXX XXXX XXXXXXXX should have been paid off with a remaining balance of {$0.00}. 

XXXX. XX/XX/year> : A payment of {$370.00} was made ( either automatically or manually, I can not remember ), with {$170.00} credited to XXXXXXXX XXXX XXXXXXXX, leaving a credit balance of {$170.00}. XXXX XXXX  XXXX had a remaining balance of {$31000.00}. 

XXXX. XX/XX/year> : I attempted to pay off XXXXXXXX XXXX XXXXXXXX with a payment of {$31000.00}. Again, the system required a payment on XXXX # XXXX. A total of {$31000.00} was applied to principal and {$100.00} to interest, with {$170.00} credited to XXXXXXXX XXXX XXXXXXXX, which now showed a credit balance of {$370.00}, while XXXX XXXX  XXXX showed a remaining balance of {$190.00}. 

Despite these payments, my Mohela account still shows an outstanding balance of {$190.00} on XXXX XXXX XXXXXXXX, with a due date of XX/XX/year>. Additionally, XXXXXXXX XXXX XXXXXXXX continues to have a credit balance of {$370.00}, yet Mohela is continuing to charge me interest on both loans even though they should have been paid off by XX/XX/year>. 
I have called Mohela several times to resolve these issues : On XX/XX/year>, I spoke to representatives XXXX and XXXX, who informed me that it could take XXXX to XXXX  days for the system to apply payments correctly. I was told a ticket for reapplication of payment was submitted, which could take XXXX business days to resolve. 

On XX/XX/year>, I was informed that a reapplication of credit was done on XX/XX/year>, but only {$170.00} was applied. This partial credit is not visible in my Mohela account. 

As of today, XX/XX/year>, my Mohela account still shows a balance on XXXXXXXX XXXX  XXXX, and I continue to be charged interest on loans that should have been paid off. Mohela has failed to provide a clear explanation or resolution.
Product: Credit card or prepaid card

n accordance with the Fair Credit Reporting act. XXXX  Account # XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 aslo states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX/XXXX/2017 I submited an order online with XXXX XXXX XXXX. I received a " Happy Birthday '' {$15.00} NO EXCLUSIONS coupon. After submitting my order for {$100.00}, I checked the confirmation email and the coupon was not reflecting. 
Called XXXX XXXX XXXX and spoke to an agent who said that there are exclusions and to read the back. I told XXXX this is misleading because there is no indication on the front of the coupon where it says NO EXCLUSIONS in capital letters. I asked him to cancel my order, he said he could n't and that when I receive it I can return it to any store. This was not acceptable to me so I asked to speak to a Supervisor. He placed me on hold for about 2 minutes and came back to say that a Supervisor was not available, they were all busy and he would put in a request so one could call me back in 48 hours. Not acceptable and not good customer service.
Product: Mortgage

Date : XX/XX/2020 Amount : {$1600.00} I contacted the The Money Source to discuss my mortgage payment options due to being furloughed because of Covid 19. The only option that they have is to give a three month forbearance and at the end of the three months I'm expected to come up with a lumpsum payment for all three months plus the current month. How is this going to help the American people?
Product: Credit card or prepaid card

On XX/XX/2019, I was contacted by a sales rep from XXXX XXXX XXXX. XXXX XXXX sold me advertising space on an upcoming brochure. I was told by XXXX that I would pay {$490.00} on my credit card and I would sign a docusign contract for the ad. I would also receive an email the next day from the art department of XXXX XXXX XXXX, requesting my artwork. That evening I discovered the sales rep had not been truthful about who referred her to me. I was no longer comfortable about this transaction. On XX/XX/19, I called Choice Media, no answer, so I left 2 voice mails explaining I wanted to cancel the ad. Later in the day, on XX/XX/19, I received an email from XXXX XXXX Art department requesting artwork. I responded saying I wish to cancel the ad. There was no other response from XXXX XXXX. A week later I saw the charge of {$490.00} on my Capital One Mastercard statement. I used the Capital One phone app to dispute the charge.

XX/XX/19 Cap.One responds that they found in favor of merchant. see attached. 
XX/XX/19 I finally reached XXXX XXXX. They were hostile. They acknowledge receipt of my desire to cancel, but informed me I could only resolve my dispute through Capital One. I responded to CapOne with more documents and explanation. See attached XX/XX/19 I responded again with the documents for the 2nd time. 
XX/XX/19 XXXX at CapOne said my dispute denied for originally submitting an incorrect reason for dispute. This is the first time I am hearing this. She said she will resubmit under correct reason and problem will be resolved XX/XX/19 Received letter from CapOne about dispute. I called CapOne and spoke to XXXX. She went through the story about the original reason being incorrectly submitted and claimed it would again be resolved. This is now the second time I am being told the original reason for dispute was incorrect. I am confused over this comment because the CapOne app was the method I used to submit my dispute and I am not sure what reason was selected at that time. 
XX/XX/19 Speak to XXXX, then manager XXXX at CapOne. I am now being told that my dispute was declined because I signed a non refundable contract. This is a new reason being provided by CapOne and does not support their 2 prior explanations for denial. I am now 3 months into this dispute. The merchant does not return emails or phone calls. XXXX XXXX told CapOne no refund once ad had run. They never created an ad or received any artwork to produce an ad. CapOne has paid the merchant and has charged me {$490.00}. XXXX XXXX XXXX is in XXXX, WA and I have no way of taking them to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2017 I went to XXXX and attempted to view my free credit reports. I was only able to view my XX/XX/XXXX report. XXXXXXXX gave me an unintelligible error. XXXXTransUnion said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for me.