23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # 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 any 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 XXXX 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

I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments. 
We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!
Product: Payday loan, title loan, personal loan, or advance loan

I just got a call that I am being sued for a loan from XXXX  that I never received. I didn't even sign up for a loan then. I was married, a stay at home mom, and my husband worked. I have no idea who took out this loan in my name. They said it is from cash call. They said I was making payments and stopped, and that it was on my credit and then removed. All lies! Now they want to put it back on my credit.
Product: Student loan

Fedloan Servicing alleges that I was 30/60/90/120/150 days late on my Student Loan payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They keep reporting this inaccurate information every month to the credit bureaus XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}
Product: Debt collection

Letter requesting debt validation and verification that debt is owed by me, no response received over 30+ days.
Product: Student loan

I recently contacted via email to request from American education services ( AES ) XXXX  XXXX asking if I could change my electronic monthly payment from the XXXX of the month to the XXXX of each month due to the fact that I am retired and my income in monthly social security fund that I receive I. The second Wednesday of each month. Unfortunately the second Wednesday is sometimes after the XXXX making having the funds available for my loan payment inconvenience. AES responded via email on XX/XX/XXXX granting the payment due date. My problem is that they also decided to recalculate my payments from {$190.00} to {$120.00}. This action would prolong the completion of paying off my loan and paying interest rates. I have been paying off this loan since 2002 and need to be finished as soon as possible. I simply want to continue paying the {$190.00}. I called their customer service and spoke to both a representative and then his supervisor. I was told by both that they could not change my payment due date without the recalculating of my payment. My only option would be to contact them each month and adjust the payment upward. I found this to be a thinly veiled way to exploit me and for them to squeeze more money out of me. My other option was to leave my payment due date of the XXXX to keep my payments of {$190.00}. I opted to keep the payment of the XXXX despite the constant stress this causes me. I do not appreciate the lack of professionalism and customer service shown me in this situation and would greatly appreciate your help
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. DELETE THESE ACCOUNTS 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in THE PAYMENT HISTORY. THEY ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS AN INACURATE IN REPORTING. THESE LATE PAYMENTS ARE INACCURATE AND ARE A VIOLATION OF THE FCRA AND MUST BE ( UPDATED IMMEDIATELY TO PAID AS AGREED, PAID ON TIME, NEVER LATE ). AFTER THIS INVESTIGATION, UPDATE EACH DATE IN EACH ACCOUNT TO PAID AS AGREED, PAID ON TIME, NEVER LATE '' UPDATE EACH DATE IN THE ACCOUNT HISTORY OF THESE ACCOUNTS TO NEVER LATE, PAID ON TIME, PAID AS AGREED -- -- ( 6 accounts for the DEPARTMENT OF ED/ XXXX )
Product: Mortgage

We sent our XXXX payment thru the bank on XX/XX/XXXX. I started getting texts from Village Capital on XXXX XXXX, saying they hadn't received my payment. They told me to call back on the XXXX, because it was in the mail. I back on the XXXX and they said they hadn't received the payment yet.I put a stop payment in that day. When the money was put back in my account on the XXXX, I called the mortgage company to make the payment. They said it was paid on the XXXX. I called the bank and they told me Village Capital had received the payment on the XXXX but hadn't cashed it until the XXXX. I then payed over the phone. Because they didn't cash the check in a timely manner, I was charge a fee to stop the check, a late fee and a charge to make a payment over the phone.
Product: Debt collection

Was paid in full XX/XX/year>, They removed it off one credit report but not the other two.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered a fraudulent account from XXXX XXXX XXXX with account number XXXX opened on XXXX, this account is fraudulent and was opened without my consent, please delete this account from my credit report.
Product: Payday loan, title loan, or personal loan

I contacted Check n Go in regards of a Financial hardship and family emergency and I told them l could not pay payday loan for XXXX. 
Also, l wasn't aware of the high interest rate over 40 % and {$300.00} charge on a borrow {$200.00} dollars. 

Check n Go debited my XXXX  XXXX XXXX account ending # XXXX and my account is overdrawn around $ XXXX.and bank charged {$35.00} fees. 
I am respectfully XXXX XXXX and XXXX and on fixed XXXX income. 

Address of Check N Go XXXX XXXX XXXX XXXX California XXXX XXXX www.checkngo.com
Product: Checking or savings account

Wells Fargo bank has again on the 7th time or so shut down my card due to false implications of fraud. I have been sent 5 different cards by Wells Fargo since moving to XXXX. Th have consistently shutdown my cards on numerous occasions, minimal on my part. Wells Fargo sent me just recently a new card and shut if off the next day. I was left stranded at a gas station for almost 2 hours recently waiting for them to clear my card so I can get gas. They also sent me two cards in XXXX  where I am and they have simply abused me since they sent me the first card to XXXX. THIS IS DISGUSTING. PLEASE HELP ME FROM THIS WELLS FARGO ABUSES
Product: Credit card or prepaid card

On XXXX XXXX I contacted Chase regarding my credit card payoff amount. I also asked them to adjust the amount to remove two late fees. The customer service representative obliged and provided the amount I would need to pay to bring the balance to {$0.00}. The woman was courteous and professional, and I believed we resolved the matter quickly. 

I logged into my account on XXXX XX/XX/2021 and noticed there was a charge for approximately {$23.00} on my account. I called customer service and spoke with the supervisor. I explained that I received the payoff amount from friends, family, and my retirement account, which is why it was important I obtained the right number for the {$0.00} balance. The supervisor explained to me the customer service rep could not have informed me what the interest charges would be, since they are calculated after the bill close date. I explained to him that I was not expecting an additional charge after the last payment, especially since I specifically asked her to advise me on what I would need to pay to bring the balance to {$0.00}. However, the supervisor informed me it was a valid charge, and he would not credit my account {$23.00}. I asked if there was a way to dispute the charge via writing, or with an escalation team above him. He stated that this was within his purview and he will not waive the charge since it is a valid charge according to policies and procedures. 

I tried several times asking for contact information for someone I can write to, he did not provide any contact information and repeated that he is the last person who will be able to help me, but the company will not waive the charge. I do not have any additional funds to cover this balance, or the {$38.00} late fee I will be charged for not paying by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Account name : CXXXX XXXX XXXXXXXX Account number : XXXX Account name : Credit Collection Service Account Numbet : XXXX Account name : Credit Control Corp Account number : XXXX You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

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

On the XXXX of XXXX, I sent them a letter asking to validate some negative items on my credit report that I was not familiar with. After 30 days I got no response, I sent them another letter on the XXXX of XXXX to complain that I haven't gotten any response yet and up to this day, they haven't notified me of anything. Here are the things I want to be removed from my report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX 4. Validate inaccurate/ reported late payments XXXX Account Number : XX/XX/XXXXXXXX please remove inaccurate reported late payments update to payed agreed 5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my experian credit report twice two different accounts number and wouldnt remove the lost and stolen account with the balance {$1100.00} and I have XXXX accounts now and I would like for the old account number removed from my credit report and keep the new account number on my credit report please fix and my second issues is Im unable to make any change on my XXXX online profile and Im getting a error message saying this online profile is not available I cant make any changes such as my phone number or request a credit limit increase at all or update my phone number
Product: Checking or savings account

Wells Fargo had not giving me no money for XXXX XXXX dollar sue I have been a customer since 2011 and I have not received no payment no notification wells Fargo fail to pay customer and notify the customer
Product: Mortgage

Roundpoint took the XXXX 2016 mortgage payment from my account even though it transferred the loan to another servicer in XXXX. When I realized this had happened, I called to ask. They have been saying for 3 weeks that the payment is on its way to the new servicer, but the new servicer had not received the payment as of XXXX XXXX. I requested some sort of control/wire/transaction number to proof that they had sent out the payment and were not just sitting on it, but they have refused to provide any proof. Their only response is to keep waiting ( even though it 's been 3 weeks and they think it 's believable that mail takes this long within the US ). Given this company 's terrible reputation, I 'm very concerned that I might lose my money or not see it again in months. Please help me.
Product: Credit reporting or other personal consumer reports

I have an American Express credit card. I opened the account on XX/XX/XXXX and the monthly bill is due in full every month. AMEX automatically pays the full bill from my AMEX bank account and there is nothing I need to do to pay the bill as they take care of taking the money from my AMEX savings account. 

On XXXX and XX/XX/XXXX, AMEX reported the bill was not paid for both months to all three Credit Bureaus. This was incorrect as the bank paid the bills automatically as it has always done. I called AMEX and requested why this was incorrectly reported and they could not give me an answer other than to say the bills were paid for both months automatically and that my account was in good standing and has never missed a payment. They also said I needed to contact the credit bureaus and dispute the erroneous information. I did so, and the Credit bureau stated I need to contact AMEX to address the issue. They both just went back and forth about who to call and did not fix anything. I also made disputes with the credit bureaus which went nowhere. I have done this XXXX times already and only XXXX of the XXXX errors have been corrected. 

I still have the second error on my credit report listing as unpaid. This caused my XXXX XXXX to drop from XXXX to XXXX and it appears nothing is being done about removing the second erroneous and negative credit entry.
Product: Checking or savings account

I opened a robinhood account a few weeks ago. Was approved to trade and I deposited money into the account. All of the sudden my account was restricted and I no longer could withdrawal my money. I called customer support and they said all they need is bank statements to verify me, however, when I provided this they never lifted the restriction. They also kept telling me that it will be resolved on a specific date, however, they keep pushing that date back. My money is sitting there and can not be withdrawn and I keep calling customer service and they keep telling me that only a supervisor can help me but a supervisor is never able to talk to me nor they contact me.
Product: Credit card or prepaid card

Ive been having problems with XXXX XXXX since my first purchase. I use a specific credit card for my payments just so there will be no issue. But when they try to take the money they say its declining and not allowing them the payment. This happened last month in XXXX, but I called with the same credit card and the payment went through. Next month same problem, but this time they reported me 30 days late to the credit bureaus. They have been doing this to me since I opened the account with no resolution. My credit is being damage because their system is not working. When they took my payment last month they said it was XXXX payment. Now ima 6 days late on XXXX and now they are saying Im 35 days late. I paid in XXXX the representative that took my payment said thats what I owed for that month and now Im being reported late I really dont understand whats going on.
Product: Credit reporting or other personal consumer reports

Uplift/XXXX XXXXXXXX reported my account late in XX/XX/XXXX. I wrote them several letters and disputed this and they still will not remove it. I have several accounts with them and have always paid on time within 30 days. The following loan ID 's are being reported as late for XX/XX/XXXX : Loan ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan debt that I did not incur Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reported on my personal credit file and was found in my reports with 3 credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : {$930.00}.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was approved for a Disaster Forbearance Plan. However, I was subsequently denied the plan without sufficient notice. Due to ongoing postal service delays in the Southeast in spring 2024 that were investigated by the US Congress, I did not receive communications about the change until nearly two weeks later.

Once I became aware that the plan was no longer valid, I promptly made the required payment. Despite this, my mortgage is being reported as 30 days late to the credit bureau. This reporting does not accurately reflect the circumstances, including the postal delays and my efforts to address the issue immediately upon learning about the change.

I request that this late payment be removed from my credit report and that the company review its communication and reporting practices to ensure fairness, particularly during times of regional disruptions like the postal delays we experienced.
Product: Mortgage

My wife and I took a conventional interest-only 5-year ARM mortgage from Countrywide Financial which was later acquired by Bank of America on XX/XX/XXXX. Countrywide 's mortgage system has a serious system glitch. When I make principle payments more than once a month, their mortgage system consistently miscalculates interest as it ignores the principal payment. They promised to hold off interest accrual until they have fixed this system error. However, instead of resolving this error, Bank of America sold my mortgage to XXXX. Unfortunately, this issue has never been resolved. Nevertheless, we paid the full principle balance on XX/XX/XXXX. We just learned that the dispute with BofA significantly damaged our credit scores. 
Can you ask Bank of America to repair my credit score?
Product: Debt collection

I completed an on-line complaint ( XXXX ) on XX/XX/XXXX regarding harassing calls from XXXX. Starting XXXX, it appears that the company is using another phone number to continue the harassment. The new phone number being used is XXXX. The only identification is " cellular call ''. I have " Googled '' both numbers and other individuals say that they also, have been harassed by both telephone numbers and that Midland Credit Management is the caller. The calls occur on a daily basis, sometimes multiple calls a day.