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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

found out that I had a deferred amount on my mortgage in the amount of {$69000.00} of to which I believed that I had paid off my loan with the last payment which was in XXXX of 2021. The company sent me several letters saying I was late. They even filed a complaint with the credit departments. I was told by Specialized Loan Services to get a loan to pay off the deferred amount. I check with the company that they suggested and the name of that company is XXXX XXXX. The man that I spoke to told me about the credit ratings and that I could not apply for a loan. The amounts that they complained about made no sense to me at all. So here I am stuck with {$69000.00} to pay and no way to get the money to pay. I would like this to be stricken from my credit rating and not have to pay them back. Pleas help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name in Indiana on XXXX XX/XX/2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive applied for a VA Loan and the lender Im using is having trouble with getting my credit report from Experian. They havent updated it yet and since it doesnt match my legal name its holding up the loan process. 

Ive tried multiple avenues with Experian and have been unable to reach someone to help. Its been a frustratingly maddening process and I end up right back where I started when trying to solve this. Please help.
Product: Money transfers

I sent a Western Union transfer to an employee from my business account. The employee is in XXXX. The transfer went out to XXXX. The place where the employee is XXXX XXXX. When he went to pick up the money, he could n't get it because he is in XXXX XXXX. I called Western Union and they claim that they ca n't do anything but to cancel transfer, and I have to wait 1-7 days so that the hold can get off account before I can get that money to sent again. This is an emergency and I do n't understand if they are Western Union why does it have to be so difficult to change the location.
Product: Prepaid card

I stopped working at XXXX XXXX. I lost the card and was charged a XXXX $ overdraft fee by someone who probably found it, but there was no money on the account seeing as i left this employer. it declined so i do not understand why i was charged in the first place. I went through the app trying to cancel the account with no help. Then i decided to research/find a number to call for customer support, but there is no number. I dont want this account i want it closed. I did everything XXXX said do and the account is still opened. This is a huge issue, I am no longer with that employer and i do not have the card and when i went to report it stolen they just tried to send me another, even tho i did everything to close the account. ALSO i said it was stolen i was still charge the XXXX $ so I want it resolved.
Product: Payday loan, title loan, or personal loan

I opened my loan on XX/XX/XXXX. On XX/XX/XXXX, their website stated the " today 's payoff '' balance of my loan was {$5000.00}. There was no indication of additional interest or fees. There was an asterisk next to the amount but it only stated that I needed to call the local branch to obtain a payoff balance for a future date. 

I paid the " today 's payoff '' balance in full on XX/XX/XXXX and received a final confirmation message on their website that " Your payment of : {$5000.00} has been applied to your account. '' I interpreted this to mean my account was now fully paid off. 

I later found that my loan wasn't paid off I'm accruing interest on the interest. The first time I spoke to them about the balance, I believe I owed them around {$100.00}. I told them that I paid the full payoff balance on their website and was told that they would investigate. 

The interest continued to compound over time and I hadn't heard back so I reached back out and spoke to someone at my local branch. I provided them with screenshots I had taken for my own records showing the " today 's payoff amount, '' my payment being made, and the confirmation page. Even with the proof that I paid the full balance, they stated they couldn't waive any of the remaining balance and I now owe them over {$130.00} if I want to close the account. 

I did pay the remaining balance today and received an email from the agent at the local branch as confirmation that is now paid off ; however, this whole ordeal felt very predatory and I'm grateful I had funds to pay off the balance so it didn't impact my credit score. I will never do business with this company again. 

Also worth nothing- now that I have paid off the loan, I am no longer able to access any of my loan documents on their website nor can I view my loan history.
Product: Checking or savings account

Inside atm at the PNC bank in XXXX, IL XXXX XXXX XXXX XXXX shorted me {$100.00} when I took cash out. Bank did credit it back to me to do an investigation but now taking the {$100.00} back out of my account causing me to overdraft, I know how to count and I know it shorted me so either bank is lying or the what ever company owns the ATM is lying
Product: Payday loan, title loan, or personal loan

One Main Financial drafted me a loan without disbursement to all creditors. They never notified me and continued to collected payment and interest in funds never disbursed to me or creditors. Upon finding this they held the funds to convince me to make a full payment in exchange for those funds back. I notified One Main also known as springleaf Financial in written form and verbally not to call my place business. After which I received 9 phone calls from the branch manager. My rights have been violated with these calls and interest charges above what I received. I am requesting the XXXX dollars in violation and interest charges in funds not disbursed be credited to my loan. Today they repossessed my vehicle. I am requesting the vehicle be returned along with the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please delete the noteworthy of any information in my credit record that came about due to an alleged fraud. Please delete the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX XXXX Owed : {$4400.00}.
Product: Student loan

I filled out an application for the SAVE plan for repaying my student loans as I can not afford the high monthly payment that was originally posted. I have called four times and spoken with a representative each time. They tell me that my application is being processed and a new monthly payment will be posted shortly. They also tell me that the past due balances will be erased when the new monthly payment is posted. It has been four or five months now and multiple calls. The monthly payment amount has not changed and the past due balances continues to grow. I never received any confirmation from them that my application to SAVE was being processed or had been processed. I never receive any notifications regarding my new payment amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

on XX/XX/25 at XXXX XXXX XXXXXXXX, Superlatives RM called my father and requested my phone number. That is solicitation and harassment. They are attacking my family members for a debt I do not owe. XXXX XXXX XXXX has not proven I owed a debt to them. They tried sending a person to an address I do not live at. Now they are trying to find out where my parents live.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts Ive marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of inaccurate and unverifiable information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that you maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following accounts are disputed : * XXXX, Account Number : XXXX ... ** * XXXX XXXX XXXX XXXX Account Number : XXXX ... ** * XXXX XXXX XXXX, Account Number : XXXX ... ** I contend that these accounts are either not mine, contain inaccurate information, or lack proper verification. I request immediate investigation into these accounts and demand that you provide verifiable proof of their validity.

As defined by 15 USC 1681a ( 5 ) ( a ), " credit '' is " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' I have no recollection of entering into any such agreements related to the disputed accounts. Therefore, their presence on my credit report is inaccurate and damaging. I am requesting the following actions : 1. **Complete Investigation : **
Conduct a thorough investigation into the disputed accounts.

2. **Verification of Debt : ** Provide me with complete and verifiable documentation proving the validity of these accounts, including original signed contracts, account statements, and any other relevant records.

3. **Immediate Deletion : ** If you can not provide sufficient verification within 30 days, I demand the immediate deletion of these accounts from my credit report.

**Notice of Legal Action : ** Please be advised that if these inaccuracies are not corrected within 30 days of the date of this letter, I will pursue legal action to protect my rights under the FCRA. I will seek damages for each inaccurate item, including but not limited to {$1000.00} per violation, as well as attorney fees and court costs. I have retained legal counsel to assist me in this matter. 

I expect your prompt attention to this serious matter. Please send all correspondence and documentation to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my father who is my co-signer filed bankruptcy. He DID NOT include my vehicle in his bankruptcy. My car loan company XXXX decided as of XX/XX/XXXX that they were going to report to the credit bureaus that my car was in my fathers bankruptcy. Also they put my account in their bankruptcy department refusing to give me any receipts of my payments and also not reporting to the credit bureaus of my payments Im making so my credit isnt getting any recognition of my payment history. Im the main applicant on my loan yet XXXX will not even recognize that and refuses to even change the lies they reported to the credit bureaus. I had filed a reaffirmation XX/XX/XXXX as asked by XXXX to get my car out of the bankruptcy status with XXXX but judge XXXX denied it because my car was not part of the bankruptcy so there was no point in a reaffirmation. As of XX/XX/XXXX my loan is now showing on my credit as closed XXXX in chapter XXXX bankruptcy which is completely false. I have NEVER been late on a payment in fact Im a month ahead in payments. I gave a very LARGE down payment. I have reached out to XXXX countless times and they treat me as if I tried stealing my car like Im trying to get it for free through a bankruptcy always so rude and disrespectful to me. I have contacted my parents lawyers I paid them to file the reaffirmation and wasted that money being that there was really no need for it. The lawyers have argued with XXXX as well as XXXX who represented XXXX. I reached out to XXXX XX/XX/XXXX and was informed by XXXX that as of XX/XX/XXXX they no longer were representing XXXX and they cant help me fix the false information on my credit. XX/XX/XXXX my credit dropped 56 points the day XXXX reported my car was in bankruptcy status. Then XX/XX/XXXX my credit dropped 76 points the day they changed the report to discharged in chapter XXXX bankruptcy. This company has not only lied to credit bureaus but they have ruined my credit, they are lying saying my account is discharged in chapter XXXX bankruptcy, not reporting my payments to show good payment history on my credit, my credit score isnt going up at all from my good history with the company which is a huge reason when getting a car loan, also them refusing to give me receipts is pathetic, but how they speak and treat me is embarrassing especially when my account was never in my fathers bankruptcy. XXXX keeps telling me the only way to remove this now that the reaffirmation was denied and judge XXXX completely explained when it was denied was to refinance through another lender but I have tried and keep getting denied because the false information XXXX has put on my credit reports. When I reach out to the companys who I tried getting a loan through they explain because what XXXX has reported they cant give me a loan.
Product: Debt collection

In XX/XX/XXXX, I received a notice from Brock and Scott in reference to a XXXX card I had. My first payment for this garnishment was in XX/XX/XXXX and ended in XX/XX/XXXX. This garnishment stopped on XX/XX/XXXX ( dismissed ) due to me paying. I just recently bought a house. A few weeks ago my HR director called me in the office to advise me that this same company is garnishing my check again. I called Brock and Scott on XX/XX/XXXX and spoke with XXXX. I asked XXXX, why did no one call me and send any notice to me. She said they sent it back in XX/XX/XXXX and it came back undeliverable. I advised her that is not true because this is the exact same address they had when they did the first garnishment. XXXX, then advised me to hold on. When she came back to the file she advised me that they will send me a copy of. On XX/XX/XXXX, someone left a someone left an envelope on my door. It was the garnishment documents that they claimed they sent in XX/XX/XXXX and to my old address that is listed in the paperwork. XXXX, advised me that the new filing letter was sent on XX/XX/XXXX, but came back undeliverable. On XX/XX/XXXX the attorney submitted a new filing. I asked her could she send me ALL paperwork pertaining to this. She said that she has too speak to her manager. I also advised her since I never received any type of notification from them. She then asked me is there anything else she can do. I advised her again this is paid per my last paperwork.
Product: Credit card or prepaid card

i bought the card at dollar general on   XX/XX/XXXX     and they put a hold on the card and i was trying to use the card to rent a uhaul to move and thet wouldnt take the hold off. i was calling how many days in a row and they still didnt wan na take the hold off the car. so the  one  day i called and told the company i demanded the {$500.00} sent in a check on   XX/XX/XXXX     and they said i would receive the check XX/XX/XXXX and i still didnt receive it. i gave them  3  extra days and called on the  8th  and they said i had to wait more  3-5  days for them to track the check and i called today the  11th  and they still told me i had to wait. im very irritated with this company.
Product: Credit reporting or other personal consumer reports

My account with JPMCB was never late. I have had exceptional payment history with JPMCB and 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 by 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 of ( XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 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.

( JPMCB ) 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: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX I do not know who this account is. I did try calling XXXX XXXXXXXX, and they directed me to XXXX whom said I would have to speak with XXXX and could not assist me.
Product: Debt collection

The Williams and Fudge is trying to collect a debt from the school XXXX XXXX of XXXX. I do not owe that money because the XXXX XXXX schools are being shut down due to multiple accounts of predatory lending and usage of high - pressure tactics to increase enrollment. Over half of these schools are already closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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: Debt collection

I was residing in Connecticut at the time of the incident in which I was hospitalized. And so now I reside in a different state I lost track of that account I would like to resolve this issue.
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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Hello, My wife and I just paid off our XXXX mortgage, we were never late or have any negative information on our credit, after we paid off XXXX loan in full and it was in good standing, XXXX closed the account with zero balance, my question is why did my wife and I credit score go down between 24-36 points. I thought that when you pay off the loan and you are in good standing your score should go up not down less debt. 
Can someone please explain to me why this is happening, reached out to XXXX they said they reported it correctly, I also reached out to Equifax they said they can't do anything. Where is the justice here for people who are hard working and pay off the debt they owe with never being late. 

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

I applied for a mortgage and had my credit report used with a specific company on Saturday, XX/XX/XXXX, XXXX on Monday morning I started receiving repeated phonecalls from callers with mortgage brokers whom I did not engage. I have since been told that the problem is with Equifax. I have received XXXX phone calls and about XXXX text messages from various brokers at different numbers since Monday. They start calling at about XXXX in the morning and call until XXXX at night. I have no way of stopping the contact other than blocking each individual number. But there are too many numbers to keep track of and it is causing me problems.