23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, Carrington Mortgage Services, LLC, purchased my Loan from XXXX While I was In dispute of it being an illegal loan. Before the final papers where supposed to be signed I contacted by phone CMS to not complete the transaction because of the dispute. But, HUD had already allowed XXXX to sell and claim the Insurance. I wrote to The CEO of Carrington explaining that the original Deed covered under the First time Homeowners program had restriction which were ignored in creating my loan, thus making it invalid. Carrington has also ignored these restriction. I am attaching the part of the the deed restrictions as pointed out to me by the director of the XXXX County Housing Authority which overseas the XXXX program. I also had a second mortgage with XXXX and after researching the restriction, released my Lien in full. I am also attaching a copy of the Lien Release. I have asked XXXX to release my Lien and now I am asking Carrington Mortgage Services, LLc to also release my Lien.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On Friday, I attempted to login into my USAA account and was prevented from doing so. USAA was making me enter a token, but the app would not generate a token. I called USAA multiple times, and they refused to verify me without a token, I can not provide a token if the app is not generating a token. in the past, I have been able to get verified by sending a secure text message to my cell phone or answering additional security questions and for whatever reason USAA decided to remove that as an option from my account. They required that I send them a drivers license which I did and I called back asking if they could verify it so I could access my account once again, and once again again, they refuse to give me access to my account. And told me I have to wait up to three business days in order to gain access to my account. There has been no suspicious activity. There hasnt been anything unusual and Im not sure why USAA is preventing me from asking my account. They really should not be in business. At this point. Ive done everything theyve asked and Im not sure why they removed any other options From getting verified so at this point, theyre just holding my money in my account hostage and refusing to give me access
Product: Money transfer, virtual currency, or money service

As a user of zelle, i did not receive formal warnings and disclosures that would have alerted me that my funds would not be reimbursed and they could not locate my funds. No resolution was offered and after seeing the CFPB 's findings, i believe that Zelle failed to protect its users.
Product: Credit card or prepaid card

On XX/XX/2020, I made a payment on the above-named account in the amount of {$260.00} to satisfy the minimum payment. The billing cycle for this account is 31 days and it ended on XX/XX/2020 ( see attachment ). On the morning of XX/XX/2020, I paid off the remaining balance on the account in the amount of {$3700.00}. These two payments together totaled {$3900.00} which was the amount I owed on my monthly statement. When speaking with Virginia BOA representative ( Ms. XXXX XXXX she told me that I had paid off the account and my account paid in full. I was notified on XX/XX/2020 that an additional {$32.00} was owed on the account. I was confused as to why I had to pay this amount since I : ( 1 ) satisfied the total amount owed in the pre-cycle balance at XXXX XXXX  on the last day of the billing cycle ; ( 2 ) did not have any transactions fees that would be subject to daily or annual interest calculation ; and ( 3 ) did not have any transactions posted at the beginning of the new billing cycle that was subject to interest accrual. The interest accrued was not in accordance to how BOA stated they calculated interest on my average daily balance, which states : To calculate a daily balance for each day prior to this statement 's billing cycle that had a Pre-Cycle balance : ( 1 ) we take the beginning balance attributable solely to Pre-Cycle balance ( which will be XXXX on the transaction date of the first Pre-Cycle balance ) ; ( 2 ) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day 's daily balance ; ( 3 ) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. 

So, on XX/XX/2020 I paid the {$32.00} and BOA issued me a new statement of {$0.00}. BOA incorrectly charged me equal to one percent ( 1 % ) of my APR when I paid off the entire balance by the end of the billing cycle. I am asking for a refund of the {$32.00} that was incorrectly calculated and billed to my account.
Product: Credit reporting

My previous dispute with Equifax did little to resolve the issue that XXXX XXXX XXXX maintains XXXX account on my credit report that should have dropped off in XXXX. Equifax did from my last dispute has no payment history, even though the account opened in XXXX, and went into default in XXXX. Therefore, under the 7-year rule of the Fair Credit Reporting Act this account needs to be removed immediately and permanently. There is no debate on this as by legal statute this credit trade line have outlived its usefulness and it must be deleted. I demand that all information be purged with XXXX XXXX XXXX and that any connecting collection agency be notified that this credit trade line can no longer be enforced either by state court actions or on the application of negative information on my Equifax credit report, or any other pertinent credit report. Equifax must delete this trade line permanently!!!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

XX/XX/2023 I opened a checking & savings account with Chase bank. 

XX/XX/2023 I was notified that my account will be closed with no notice as to why & the remaining funds in my account will be mailed to be by check XX/XX/2023 I reached out to chase bank in regards to the exact date in which my check shall arrive XX/XX/2023 I reached out again doing a follow up on my funds to which I was told there was no information to give me that I did not already know and that I would just have to wait the full XXXX business days XX/XX/2023 I reached out again to inquire about my remaining funds not arriving by the date given to me & reminding the banking team that it has been well over XXXX business days by this point to which the associate responded by telling me that I now have to verify a few things in regards to the initial paycheck that was deposited into my account this is an extremely time sensitive matter in which I have been more than cooperative although I am being mistreated throughout this ordeal this will be the second time with Chase banking that I have been a victim treated as a suspect and I just do not believe that is a professional way to conduct business.
Product: Debt collection

Last months rent of my lease was late with XXXX at XXXX. The leasing office allowed me to mail a money order through XXXX. I received an emailed receipt of payment on XX/XX/year>. However, I have been repeatedly harassed by XXXX XXXX  XXXX  about this debt being unpaid. I have emailed them proof of payment through the leasing office. They have added a collection to my credit report which I have disputed through XXXX with proof of payment and proof of emails. XXXX stated the collections information was accurate despite proof of payment.
Product: Vehicle loan or lease

Credit Acceptance has given me the most horrible experience. Their company has a history of complaints and unethical practices. Its motto, " We change lives, '' yes they do change your life to XXXX. They have been reporting on my credit for over 5 years now and adding interest I am assuming not sure because the car has been with their company for over 5 years and the interest just started in XXXX. I reached out to them, and they sent me a payment history that is so different than what they are reporting on my credit report. I called and spoke to someone and they told me my account is open when for 4 years my account was closed. How does a closed account become reopened with no merchandise? Credit Acceptance 's loan performance disclosures belie a deeply flawed business model. In XXXX, Michigan thus far in XXXX, nearly one in eight of all available civil lawsuits filed in the city involve Credit Acceptance suing borrowers. They have been untruthful regarding Truth In Lending Act violations due to hidden finance charges. I want this company to " do the right thing ''. Something is wrong with the morals and ethics of this company. People are more than just a profit. Do honest business with clients. Please stop reporting inaccurate and start practicing ethical business with customers.
Product: Debt collection

I sent a letter by certified mail receipt on XX/XX/21 to portfolio recovery regarding Not XXXX but XXXX accounts I never was notified of this account or knew about it for that matter by the way. But this is my main point I sent letter certified mail and return receipt ( I NEVER GOT A RETURN RECEIPT BACK EITHER ) image of numbers for tracking are attached. I track letters and discovered they arrived on XX/XX/21 and I receive letters dated XX/XX/21 you dont find that suspicious considering it take 30-45 days to conduct an accurate investigation? So they sent me letters indicating that account # XXXX belongs to me. They letter didnt validate the debt AT ALL on top of that I also inquired about another account # XXXX you may be saying XXXX, get to the point my point is a credit card statement doesnt validate this debt also the company didnt conduct full investigation and they also didnt address # XXXX XXXX therefore requesting removal of account btw I was never noticed about this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately. 
XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}
Product: Debt collection

I have taken action against PHEAA student loan servicer but, I do not have legal counsel as yet due to my Pending claims filed with The Dept. of Education Civil Rights division, and Borrowers Defense, Fraud and False Cert Division, The Office of The Attorney General/Collections and Practices violation department, ADA violations claim, ( age, race and ethnicity and disability ), FTC, Cease letter sent and collection calls are coming in again and possibly some spoof calls, and XXXX XXXX XXXX of California claims filed are all pending. I have received wage garnishment notices, letters rejecting all of my claims filed from PHEAA, its legal team and collection partners. Making allegations that nothing ever happened within the PHEAA agency, its Sub servicers, collection partners and affiliates, that indicated violations of fraud, mishandling, false reporting/writings of any sort happened. Discrediting me and making demands and threats to force me into paying on a student loan debt that I don not owe. PHEAA, and its legal team was unresponsive to the fact that my private loans were converted with my federal loans, consolidated without my consent or knowledge, slapped with high fees, charges, penalties and was given a different type of loan name. Adding, I never received anymore disbursement after XX/XX/XXXX yet, PHEAA alleged, I took out more disbursements in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is false and PHEAA has been unresponsive to my claim. My claim status is pending investigation ( s ) with the above reporting agencies listed. PHEAA is not following proper practices and violating my rights as a consumer and as a debtor taking action against illegal collections.
Product: Credit reporting or other personal consumer reports

I have disputed the accounts that are included and they do not relate to any transactions I have made or authorized. FTC Report attached. Account XXXX : ( XXXX XXXX XXXX : XXXX ) Account XXXX : ( XXXX  XXXX : XXXX - this one was removed as a collection but Shows as closed and reports a late payment, It is NOT My Account : ) these also were investigated by XXXX and XXXX with the same result a removal. I have had to go back and forth withExuifaxas if I am bothering them for trying to get help with this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Equifax. I have been very ill this past few years and going through this back and forth withEquifaxis taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

There are also a number of inquiries that I did not approve these people to run my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone illegally opened a account with XXXX and even though I reported illegal, they turned it over to Pinnacle LLC who for over 5 years refuse to remove from my credit Reports, also everytime I ask for validation of this account, they just renew it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my American Express card was over the limit of {$1000.00}. by {$3.00}. The amount of {$3.00} was allowed to go the limit by Amex, not by my choice. I didn't authorize that or agree to it. Because of this I was immediately reported to the three major credit bureaus, and each of them dropped my score score by XXXX point. XXXX. Not XXXX or XXXX, but XXXX, which sent my credit rating to " XXXX ''. I have no recourse and was told by a customer service rep at Amex that it was decided by an algorithm. 
As a single-father who started over in 2019, ( in 2019 I had perfect credit ), I have spent every year living below my means and trying to rebuild. It's taken me 5 years to rebuild my credit, point by point. I was only just up to " XXXX '' last week, with the goal of reaching " XXXX  '' so I could consolidate my cc debt and move on. When I had {$96000.00} in student loans wiped out my credits core barely moved up, only a couple of points. 

I've used a XXXX XXXX and XXXX XXXX to monitor my credit and help repair it, but now it's gone... wiped out and literally destroyed by a {$3.00} overdraft, which I did not agree to. Amex could have just declined the charge. How is this legal? How is this disproportionately cruel, and destructive response justified or fair to me as a consumer? Amex is selling my data to a credit bureau who then turn around and is allowed to use it against me -and sell it back to me in the form of " repair ''. It's an endless cycle of XXXX XXXX XXXX. This is by definition indentured servitude. It's horrific and should be illegal. What do I receive from my data being sold? Who gave the permission to do this? I spent 5 years, 5 rebuilding my credit one point at a time. One overcharge of {$3.00} should not ( legally ) drop my score by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate the account. Please follow the law so that this situation can be settled quickly. 
XXXX/DEPT OF ED XXXX Date Opened XXXX XXXX, XXXX Balance {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD A CHANCE TO CAREFULLY REVISE MY CREDIT REPORT BUT TO MY SURPRISE I DISCOVERED SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS REPORTING ON MY CREDIT BUT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIIES AND HAVE THE REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE UNDERSTAND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting Equifax Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from Equifax. There was definitely an error on their part. There was definitely an error on their part. Equifax is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( XXXX XXXX XXXX XXXX )
Product: Debt collection

This company represents the State of NJ and are collecting a debt on their behalf. To get my NJ driver 's license, I agreed that I owed a debt and made payment arrangements. I have a representative payee that handles my social security XXXX payments. The company demanded that I give them banking information, ( a debit or credit card ) so that they could have payments taken out automatically. I gave them the card number that is in my daughter 's name. For the past 12 months this company has been sending me letters notifying me that they are taking the money out and to make sure it is available. I just received a notice from NJMVC that my driver 's license and registration privileges are suspended and that I needed to contact this company. When I spoke with them they informed me that the card had been declined. I receive no notice at all that there was a problem. I believed the monthly letter from them and had no reason to believe otherwise. They refuse to give me any information. They are rude and nasty and state that I should have known that the money was not being deducted and the only way to get my driving and registration privileges reinstated is to pay them the {$1200.00} for the back months that their request for funds were denied and to give them a card so that they can take the payments out automatically. They claim I owe in excess of {$11000.00} ( a judgment against me resulting from a car accident I had in NJ in 1999 ) NJMVC states that the judgment is for {$7000.00}. I asked for the contact information of the original debtor and they claim they do n't know it. I ask to speak to a supervisor or someone from the legal department. They take my name and phone number and never call me. I asked for a copy of all correspondence to me and they stated that 12 months of letters is to much to mail out. They have never mailed me any other documentation except the letters confirming that they were taking the money out of my custodial bank account in my daughter 's name ( she is my representative payee )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report Please verify the following accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  XXXX XXXX : {$380.00} XXXX XXXX XXXX  XXXX Balance {$660.00} XXXX XXXXXXXX XXXX Balance {$1400.00} XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXXXXXX XXXX Balance : {$380.00} Be advised that this complaint is my follow-up to make sure that the listed accounts are verified.