23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never received a letter regarding this debt. It appeared on my credit report last year. I wrote to the company and spoke to the company requesting validation of the debt and why was it not notified but just added to my credit report. I never received anything from them.
Product: Credit reporting

I am requesting that Experian immediately update and correct the address listed on the Experian Credit File to read : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to correctly identify me in their system.
Product: Checking or savings account

At XXXX I transferred XXXX $ and XXXX $ into My BBVA USA account in two transfers from my XXXX XXXX XXXX account to BBVA account # XXXX. At the same time I transferred it I went to the ATM to get the BBVA balance and it said XXXX. After XXXX XXXX transferred the funds BBVA claimed they were never received but my account went from XXXX $ to XXXX . The bank stole both deposits as I owed only XXXX $ to them and a photo of the atm receipt is attached. The XXXX transfer numbers are ( 2021 XXXX XXXX XXXX $ ) ( XXXX {$2000.00} XXXX XXXX ) XXXX. 
Please stop their theft of my transferred funds. They never showed up.
Product: Debt collection

On XX/XX/ I received mail from Sayer Law Group, PC a debt collector stating I owe a debt ( account number XXXX ) which is a violation under 15 USC 1692b ( 2 ). Sayer Law Group, PC is in violation 15 USC 1681 ( b ) infringing on my rights to privacy. Sayer Law Group, PC is in violation 15 USC 1692e ( 10 ) by using false representation and deceptive means to coerce payment of alleged debt. Sayer Law Group, PC use profane and obscene language stating the word owe and stating the word debt, which is a violation under 15 USC 1692d ( 2 ). Sayer Law Group, PC is in violation by using deceptive forms 15 USC 1692j to collect alleged debt. Sayer Law Group, PC is in violation of 15 USC 1692f ( 8 ) by using symbol on envelope by their address.
Product: Mortgage

Was in trial payments for a modification/ Special Forbearance trial payments of {$1700.00} which all for that amount were met. XX/XX/XXXX received a letter to finalize Modification with the new amount effective XX/XX/2021 but the amounts had changed to Principal and interest {$1400.00} Estimated Escrow {$520.00} Total {$1900.00} we had loan docs notarized and returned on Saturday XX/XX/XXXX at Navy Federal Credit Union called to confirm they were received and attempt to make payments for the difference since I saw it on the new ppwk but Navy Federal said to wait since it was going thru the Modification process and to hold off on making payments. Once The modification was processed it reported me 30 days late since the loan processor was also behind on processing the modification so when adjustment was made it made my unirla trial payments look like I never made it since the new loan docs dated XX/XX/XXXX changed the total amount
Product: Student loan

Over the years I had noticed a few times it seemed money was added to my student loan balance in addition to the interest, so I started keeping my own records. I noticed a balance added with no reason when I logged in on XXXX XXXX XXXX. The week prior, XXXX XXXX XXXX my balance was {$24000.00} and I made a payment of {$300.00} ( Which would lower it to about {$24000.00} ). The week after a balance was mysteriously added to my account. On XXXX XXXX the balance rose to XXXX.I track the interest accumulation carefully and this one did n't add up. 

I made multiple attempts of getting an answer from customer service and trying several reps, in which they denied it ever happened. They told me my records were not correct, not only on that day, but they actually changed the balance amounts historically to reflect a higher amount on specific dates. I finally reached a manager after multiple attempts for and answer and hours on the phone. The explanation after extensive digging ( and denying it ) was that " they added back uncapped interest from XX/XX/XXXX'' and that it was an error in the system which effected a group of accounts, so they added it back in XXXX. I sent in a certified letter requesting the explanation in writing on XXXX XXXX, but they refused to provide it. They would only call an offer to explain on the phone. The real thing to consider is ; how many other times have they done this and not been caught? This could have happened multiple times and who knows how many students. Adding money 3 years after the apparent system error did not sound believable to me and it took a long time before getting an answer.When I graduated I owed roughly {$24000.00}, over years of being underpaid from corporate greed the balance grew to {$31000.00}. Finally with a better income I was able to pay it back down to the original amount. How many other times they discretely added money in there we may never know.
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to XXXX dollars for every violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent your company a dispute letter requesting your methods of verification and questioned your investigation practices. As a consumer I requested to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The items I requested as methods of verification are The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING. Your unjust investigation practices caused me to contemplate XXXX, have Financial breakthroughs, and lose sleep. Please send the methods of verification requested for the accounts listed below or delete the accounts from my credit report and update my personal information immediately. Thank you in advance
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I recently opened American Express credit card because they had a promotional offer of {$200.00} statement credit if {$1000.00} is spent during the first 90 days. I followed the rules and spent over {$1300.00} within the first 90 days. I recently came to find out that, after they made me spend over {$1000.00}, they denied me to give me the {$200.00} statement credit they promised me. I even remember chatting with one of their representatives on XX/XX/2021 asking him or her when I will get my {$200.00} statement credit and I was advised within 8-12 weeks of spending the {$1000.00} within 90 days. When I was chatting with the representative, I spent about {$600.00}. So, I wasn't there yet. So, I thanked him or her and continued putting charges on my credit card. Why are they making customers sign up by offering a promotion but then deny the statement credit after customer spends whatever amount they were required to spend? I will include my chat conversation with the American Express representative.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX  XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Klarna has let me use the loan settings in previous instances and has forced me to pay off the loan, but not allowed me to reuse the service while stating that the service is still accessible to me my last name has been updated previous last name being XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX I never allowed them to run my credit report. I went in for service and never to buy a new car. They never asked me to run my credit report. please remove this inquire ASAP
Product: Mortgage

I have a mortgage and associated escrow account with Cardinal Financial ( https : //cardinalfinancial.com/ ) when we refinanced our house in late XX/XX/XXXX. Cardinal Financial has failed to pay the property tax on the property associated with the mortgage account for the tax year XXXX. There is more than sufficient amount in the escrow account to cover the taxes amount. Inspite of repeated alerts by phone calls and email almost every month starting in XX/XX/XXXX, the tax has not been paid yet ( as of XX/XX/XXXX ) and is now delinquent, with interest ( and extra fees ) compounding. The tax was due on XX/XX/XXXX and now fines continue to incur starting XXXX. Cardinal Financial continues to assure every week for the past few months on phone calls that it will be paid in the next 2 days ... .so far nothing has happened. 
In addition to this I was sent an escrow refund check, when there was still dues to be paid and I am struck as to what needs to be done with the check. 
The customer service is worst I have ever encountered : It takes an hour to reach a representative and after repeated assurances that it is being taken care of, the call is put on hold for another half hour, the calls is transferred to a supervisor, who put the call on hold for another 30 mins at which point the call gets dropped. They might as well not have a customer service department at all.
Product: Mortgage

My mortgage company ( Alliant Credit Union ) paid the previous owner 's tax bills, on multiple occasions, even after they were told they were paying the incorrect parcel ID. 

They've paid ~ {$45000.00} in taxes for XXXX, despite the tax bill having a completely different parcel ID and incorrect owner information. 

My wife and I have called on multiple occasions to try and resolve. Their only response is that they can't refund us, until they receive the money from the previous owner. They have been reaching out to the previous owner since XXXX XXXX, with no response. 

I'm now having to pay a ~ {$10000.00} mortgage payment each month, to fund my escrow account, due to the company paying {$45000.00} of someone else 's taxes. 

I recently sent the lender 4 questions regarding the issue above on XX/XX/XXXX. It was escalated to a " resolution specialist '', who didn't answer of the questions. In addition the end of his email states " We believe that this response fully addresses your concerns expressed to our Customer Service Department. Should you have any further questions, please contact our Customer Service Department. '' Again, not a single of my questions was answered. My wife and I literally laughed at the ineptitude. 

This has been going on since early last year. I've reached out to them for the last time. I've now involved my lawyer.
Product: Debt collection

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

The original creditor was XXXX XXXX XXXX that was a credit card. I bought a big purchase that did not reach me in time in XX/XX/2021. I returned the parcel to the company it was purchased and received a notification that my order would be refunded in four days. After contacting the company after a week with no return I was told my order would need an investigation tracking the order before the return could be released. 
I notified the creditor of the situation and they told me that I wouldn't endure fees once the refund was processed. I was notified the case for the parcel was closed and the refund had been return to original form of payment. When I contacted Credit One I was informed they sold the account due to non payment. I began disputing the collection with midland agency with no help to accurately display the credit.

When contacting Midland Agency of this year and speaking to a manager they confirmed that had on file that the return was processed and indeed was returned to my account. But I still had to pay them because they bought this account a they would be willing to offer me a discount if I paid to settle that day. I declined because I don't have the purchased items, the money I spent, or my account. That would be me paying double for inaccuracies on my account. They told me they would open their own investigation which resulted in them sending me a letter saying they verified the account was mine and I needed to pay. There was no evidence of them trying to acknowledge the returned money on the card. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I request that this account be removed from credit report from all reporting agencies along with my information and information of the account being held.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I received a letter saying I had been sent to collections for a debt in the amount of {$130.00} that I had paid. The debt was paid on or before XX/XX/XXXX to the billing company directly. This payment was priory to the due date of XX/XX/XXXX. I have email receipt confirmation of the full payment. This debt was sent to collections after being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate nor verify authenticity of the XXXX XXXX account on my report. There are many missing details that are legally required to have provided on the report. The account status and available balances and credits are incorrectly reported. There are several missing on time payments of over {$500.00} that are not being reported. Have listed details in the attachments yet Equifax continues to commit credit fraud.
Product: Credit card or prepaid card

The company offers XXXX interest financing for certain purchases based on the amount of the purchase. The length of the promotional balance depends on the amount. I had XXXX separate purchases charged on the account ; 1 purchase has a XXXX interest promotional balance for 6 months and the other for 24 months. 

The monthly payments I have been making were being applied to both balances instead of paying down the promotional balance that was set to expire first. I have another store credit card and that is how they apply their payments. I feel that applying a large percentage of my payments to the balance that's not set to expire until 2024 is an unfair practice.
Product: Student loan

I have had my student loans refinanced by Mohela XXXX. I was a XXXX XXXX   XXXX at The XXXX  XXXX  at the City University of XXXX XXXX since fall 2019. The registrar and I sent in an in-school deferment form ( which Mohela made very difficult to get a hold of to begin with ) six times. They kept claiming they didnt receive it. I was still making payments while in school because I didnt want problems. Finally in XXXX, I stopped paying because my registrar said they got a confirmation that mohela received my in-school deferment. 

Mohela then reported me being three months delinquent on my account and said they cant accept the inschool deferment because we didnt submit it in time. So now they messed up my credit and charged me tons of fees even though I was a full time student.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and impacting my financial credibility. It is crucial that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. The following items thare are fraud should be remove right away : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00}.